A single CreadLayer API key unlocks every trust primitive — identity verification, fraud scoring, trust profiles, consent ledger, and merchant monitoring. Merchants onboard all their data (customers, orders, business info, documents) through one integration. No separate keys per API, no piecemeal setup.
API integration is the process of connecting two or more applications or systems via their APIs (Application Programming Interfaces) to exchange data and perform actions automatically. It acts as a digital bridge, allowing different software tools to communicate with one another seamlessly.
For CreadLayer, this means your platform — whether a marketplace, logistics provider, fintech app, or gig platform — can instantly verify identities, assess fraud risk, check trust scores, and manage consent without ever leaving your existing workflow.
No separate keys for each service. No siloed integrations. A single API key connects merchants to every CreadLayer trust primitive — and every data type they need to onboard.
Name, phone, email, CKYC, PAN, addresses, device fingerprints, and consent records — all verified through one API key.
Order value, payment method, delivery pincode, product details, return history — scored for fraud risk automatically via the same key.
GSTIN, PAN, CIN, turnover, beneficiary ownership, bank details — merchants onboard their entire business profile through a single API credential.
Upload CKYC documents, PAN, passports, driving licenses, address proofs, and business registrations — all processed through one integration point.
Fetch identity trust scores, merchant trust scores, fraud risk scores — every score comes from the same API key, same endpoint pattern.
Verification results, fraud alerts, score changes, consent updates — all delivered to your webhook endpoint, configured once per key.
How it works: Merchant generates one API key from the dashboard → sends any data type (customer, order, business, document) to the relevant endpoint → all APIs authenticate with the same key → results return in milliseconds. That's it.
Here is how API integration helps your platform grow.
No reinventing the wheel. Developers do not need to build complex features like identity verification, fraud scoring, or trust profiles from scratch. Using pre-built CreadLayer APIs allows you to launch in weeks instead of months.
Seamless data flow between your platform and CreadLayer eliminates manual entry errors. Automated syncing ensures identity records, trust scores, and consent logs are always consistent across your entire stack.
Real-time verification, instant fraud decisions, and live trust scores. Users complete their journey — onboarding, verification, checkout — without leaving your platform or waiting for manual reviews.
As your business grows, plug in new tools without rewriting your codebase. Add global shipping partners, multi-currency support, or new verification types — CreadLayer APIs scale with you.
Identity, fraud, scoring, consent, and monitoring — all available via REST, GraphQL, and native SDKs.
Verify CKYC documents, PAN, passports, and driving licenses with liveness detection and face match. Returns a verified identity record with trust score.
Real-time AI-powered fraud risk assessment for COD and prepaid orders. Returns a 0–999 score with explainable risk factors. Displays 'Protected by COD Shield' badge on safe-to-fulfill COD orders.
Fetch and update portable trust profiles. Scores aggregate identity, behavioral, network, and historical signals into a single reusable value.
DPDP-compliant consent management. Log every data share with explicit, time-bound, revocable consent records and full audit trails.
Business identity verification (GSTIN, PAN, CIN) with ongoing risk monitoring. Get alerts on chargebacks, compliance issues, and status changes.
Receive real-time event notifications for verification results, score changes, consent updates, and fraud alerts via POST to your endpoint.
One API key authenticates every CreadLayer API — identity, fraud, trust scores, consent, and monitoring. Generate scoped keys from the dashboard with granular permissions per API.
Micro-charge order protection for every prepaid checkout. A compulsory-by-default fee (paisa-tier, <₹1) that tracks delivery completion and protects against fake 'order delivered' marking. Toggle to opt out.
CreadLayer adds trust at the final step — the checkout. Two protection layers, zero friction, fully API-integrated.
Every COD order scored by the AI Fraud Engine gets a “Protected by COD Shield” badge automatically displayed at checkout. Buyers see the shield, merchants reduce RTO. Badge renders via a single API response flag — no extra work.
cod_shield_protected: trueAuto-displayedA micro-charge added by default to every prepaid checkout — typically a fraction of a rupee (paisa-tier, less than ₹1, based on a small percentage of the order value). It tracks delivery completion end-to-end and protects against fake “order delivered” marking. Toggle to opt out.
You order a cake. The delivery boy calls saying he's on his way, then marks the order delivered on the app — but you never received it. Delivery Protect tracks every handoff, logs GPS + timestamp at delivery, and provides an immutable proof trail to resolve disputes instantly.
delivery_protect: trueToggle via APIWebhook trackingOne identity verification API call — in any language.
curl -X POST https://api.creadlayer.io/v1/verify/identity \
-H "Authorization: Bearer sk_live_..." \
-H "Content-Type: application/json" \
-d '{
"user_id": "usr_abc123",
"documents": ["ckyc", "pan"],
"consent": true
}'import { CreadLayer } from "@creadlayer/sdk";
const cl = new CreadLayer({
apiKey: "sk_live_..."
});
const result = await cl.verify.identity({
userId: "usr_abc123",
documents: ["aadhaar", "pan"],
consent: true,
});
console.log(result.trustScore);
// → { score: 892, tier: "Trusted", factors: [...] }from creadlayer import CreadLayer
cl = CreadLayer(api_key="sk_live_...")
result = cl.verify.identity(
user_id="usr_abc123",
documents=["aadhaar", "pan"],
consent=True,
)
print(result.trust_score)
# → { "score": 892, "tier": "Trusted", "factors": [...] }// Receive verification results in real-time
// POST /webhooks/creadlayer
{
"event": "verification.completed",
"user_id": "usr_abc123",
"status": "verified",
"trust_score": 892,
"timestamp": "2026-07-28T10:30:00Z"
}How businesses use CreadLayer's APIs to build trust into every transaction.
Verify sellers with KYB APIs. Score COD orders with fraud detection and show “Protected by COD Shield” badge automatically. Enable Delivery Protect micro-charge on prepaid checkouts to eliminate fake delivery marking. Show trust badges on seller profiles. All via one API key.
Verify delivery partners with biometric and document checks. Score delivery routes for fraud risk. Monitor partner trust scores continuously. Use webhooks to get real-time status updates on verification and incident reports.
Verify borrowers with CKYC and PAN in under 4 seconds. Assess creditworthiness using portable trust profiles. Get consent-managed access to verified identity data. Automate KYC workflows with webhook-driven verification pipelines.
Verify gig workers with document checks and liveness detection. Generate portable workforce ID cards with trust scores. Monitor worker incident reports and re-verify periodically. Integrate with HRMS and payroll via REST APIs.
Install CreadLayer directly on your store — all APIs (identity, fraud, trust scores, consent, monitoring) available on every platform below.
Install the CreadLayer plugin from the WooCommerce marketplace. Every CreadLayer API — identity verification, AI fraud scoring, trust profiles, consent ledger, and merchant monitoring — works inside your WordPress admin panel. No coding required.
Add CreadLayer from the Shopify App Store. Every API — identity verification at checkout, COD fraud scoring, trust signals on storefronts, consent management, and merchant monitoring — works out of the box. Integrates with Shopify Flow for advanced automation.
Install the CreadLayer Magento module via Composer. All APIs — identity verification, fraud scoring, trust badges, consent ledger, and merchant monitoring — integrate natively with Magento's checkout, customer, and order management systems.
composer require creadlayer/magento → bin/magento setup:upgradeAdd CreadLayer from the BigCommerce App Marketplace. Every API — identity checks at checkout, AI fraud scoring for every order, trust profiles, and consent management — integrates with BigCommerce's checkout, customer groups, and order workflows.
More platforms coming soon: Unicommerce, Zoho Commerce, Webflow, Squarespace, Wix, and custom-headless commerce stacks via REST API & SDKs.
From sign-up to your first API call in under 30 minutes.
Sign up for a free CreadLayer account. No credit card required. You get immediate access to the sandbox environment with full API functionality.
Create one API key that works across every CreadLayer API — identity, fraud, trust scores, consent, and monitoring. Scope keys to specific APIs and permission levels. Sandbox keys work immediately.
Use the curl example or one of the 8 SDKs to make your first identity verification or fraud scoring request. Responses return in under 50ms.
Set up webhook endpoints to receive real-time events. Verify your endpoint URL and start receiving verification results, score changes, and alerts.
CreadLayer provides native SDKs for every major language and framework.
Get sandbox API keys instantly. No sales call required.