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Connect Call Validate
Identity Data

Call Validate, through one JSON API

ID&V, CIFAS, watchlist, deceased and bank-account checks for UK lenders and credit unions, from £0.32 per check. Already contracted with TransUnion? Plug in your existing credentials and go live in 5 to 7 working days — or use ours.

One clean JSON API. No XML. No SOAP.

Get Call Validate pricing See a sample JSON response
TransUnion

What is Call Validate?

Call Validate is TransUnion's digital identity verification and fraud prevention suite (originally a Callcredit product, now part of TransUnion). 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
<1s
Response time
Split-second, real-time
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.

Call Validate checks via Credit Canary cost from £0.32 to £1.25 ex VAT per check (October 2026). Volume discounts available; no hidden fees.

Call Validate check pricing via Credit Canary, ex VAT, October 2026
CheckPrice (ex VAT)
CallML / Digital ID&V£1.25
Watchlist screening£0.37
Deceased check£0.52
Bank Account ID Element£0.32
Bank Element£0.68
Bank Account Premium£0.44
Ownership Fraud Alert£0.45
Real-Time Fraud Alerts£0.65
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, 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.

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