What is Call Validate used for?

To confirm applicants are who they say they are, help meet KYC requirements and reduce application fraud, before a lending decision is made.

How does Credit Canary provide it?

Through Connect, so identity checks run alongside credit, affordability and payment data in one journey rather than as a separate step.

Identity Verification & Fraud Checks

What is Call Validate?

Call Validate is TransUnion's digital identity verification and fraud prevention suite. It combines device intelligence, identity proofing and authentication into a single solution, helping you verify who your customers are, detect synthetic identities and stop fraud before it happens.

Credit Canary gives you access to Call Validate's full range of checks through a single API: digital ID&V, watchlist screening, deceased checks, bank account validation, ownership fraud alerts and real-time fraud intelligence. Use them individually or combine them into a single verification workflow.

8

Checks available

Mix and match per application

<500ms

Response time

Real-time decisioning

From £0.32

Per check

ex VAT · volume discounts

Complete verification suite

Every search returns structured JSON covering identity, fraud, address and financial verification.

Identity Verification

Passport verification
Driving licence check
NI number validation
Mortality screening
Deceased record matching

Address Verification

Electoral roll matching
Residency confirmation
Address history
Years at address

Bank Account Validation

Sortcode verification
Account number validation
Modulus check
Direct debit eligibility
Account status

Card Validation

Card number validation
Luhn check
Card holder match
Card expiry check

Real-Time Fraud Alerts

Real-time fraud alerts
Risk scoring
Alert categorisation
Alert severity

Telephone & Email

Telephone validation
Email validation
Account confirmation

CIFAS Check

CIFAS file check
Fraud history
Match details

Notices & Markers

Data correction notices
Dispute flags
Privacy notices

Simple, transparent pricing

No hidden fees. Volume discounts available.

CallML / Digital ID&V

£1.25

ex VAT

Watchlist Screening

£0.37

ex VAT

Deceased Check

£0.52

ex VAT

Bank Account ID Element

£0.32

ex VAT

Bank Element

£0.68

ex VAT

Bank Account Premium

£0.44

ex VAT

Ownership Fraud Alert

£0.45

ex VAT

Real-Time Fraud Alerts

£0.65

ex VAT

Get a Quote

Built for identity verification teams

More than just an API. Credit Canary gives you the tools to verify, decide and act on identity data.

API-First Integration

Clean, RESTful APIs with structured JSON responses. Integrate once and access all Call Validate checks through a single endpoint. Full documentation and sandbox environment included.

Decisioning Ready

Feed responses directly into Credit Canary's decisioning engine. Build rules, scorecards and automated workflows that act on the data in real time, no manual processing needed.

Console Access

Run individual verification searches through the Credit Canary Console and view formatted summaries. Perfect for manual review, compliance checks, or when your team needs to pull a quick report.

Combine with Call Report, full ID&V + credit in one flow

Pair Call Validate with Call Report to run identity verification and a full credit search in a single workflow. Verify who the applicant is, screen for fraud, and assess their creditworthiness, all through one API integration and one decisioning flow.

Frequently asked questions

Simple, clean API responses

Structured JSON you can parse, store and act on immediately. No XML. No SOAP. No surprises.

GET /v1/identity/call-validate
# Response, TransUnion Call Validate
{
  "product": "call_validate",
  "reference": "CV-2026-04-001",
  "status": "completed",
  "identity_verification": {
    "overall_result": "PARTIAL",
    "passport_valid": true,
    "driving_licence_valid": true,
    "ni_number_valid": true,
    "mortality_check": "PASS"
  },
  "fraud_alerts": {
    "decision": "REFER",
    "risk_score": 260,
    "alerts": [ "..." ]
  },
  "bank_validation": { "..." },
  "address_verification": { "..." },
  "cifas": { "clear": true }
}

Ready to connect?

Book a 30-minute demo and we'll walk you through the verification workflows that matter most for your business.

Book a Demo Developer Docs