Mastercard Ekata

Status: Integrated
Website: https://ekata.com
Credentials: Through RiskOS™ (Reseller)
Description:

Ekata (acquired by Mastercard) provides global identity verification and fraud prevention solutions. Their APIs help financial institutions, fintechs, and marketplaces validate customer identities in real-time, reduce fraud, and streamline account opening. For RiskOS™ customers, Ekata enables strong KYC onboarding and fraud risk assessment by leveraging proprietary identity network data across email, phone, IP, and physical address attributes.

Products offered via RiskOS™

Product Name	Description	RiskOS™ Use Cases
Account Opening API	Provides real-time risk assessment and verification of identity attributes across email, phone, IP, and physical address. Includes risk scores and match/no-match results.	New account onboarding, fraud detection, KYC

Example API response

Account Opening API Response

{
  "email.valid": true,
  "email.first_seen_days": 453,
  "email.domain_creation_date": "2011-06-29",
  "email.to_name": "not-found",
  "ip.risk": false,
  "ip.risk_score": 0.117,
  "ip.last_seen_days": 35,
  "ip.geolocation_country_code": "US",
  "ip.geolocation_subdivision": "Oregon",
  "ip.phone_distance": 200,
  "ip.address_distance": 210,
  "phone.valid": true,
  "phone.line_type": "mobile",
  "phone.carrier": "Vodafone Uk Ltd",
  "phone.last_seen_days": 42,
  "phone.email.first_seen_days": 56,
  "phone.to_name": "match",
  "phone.to_address": "match",
  "address.validity_level": "valid",
  "address.to_name": "match",
  "identity_network_score": 0.574,
  "identity_risk_score": 275,
  "warnings": []
}

Data dictionary

Account Opening API Data Dictionary

Field	Type	Description
email.valid	Boolean	True/false flag indicating if the supplied email is valid, derived from the Ekata Identity Graph.
email.first_seen_days	Integer	Days since the input email was first seen in Ekata’s Identity Network.
email.domain_creation_date	Date	Date the email domain was registered.
email.to_name	String	Match status between the input name and the name associated with the email.
ip.risk	Boolean	Flag indicating whether the IP address is considered risky.
ip.risk_score	Float	Numeric risk score for the IP, calculated by Ekata’s IP risk model.
ip.last_seen_days	Integer	Days since the IP address was last seen in the Identity Network.
ip.geolocation_country_code	String	Two-character country code of the IP geolocation.
ip.geolocation_subdivision	String	Subregion of the country where the IP is located.
ip.phone_distance	Integer	Distance in miles between the IP’s geolocation and the phone’s location.
ip.address_distance	Integer	Distance in miles between the IP’s geolocation and the physical address.
phone.valid	Boolean	True/false flag indicating whether the phone number is valid.
phone.line_type	String	Type of phone line (mobile, landline, VoIP, etc.).
phone.carrier	String	Carrier associated with the phone number.
phone.country_code	String	Two-character country code derived from the phone number.
phone.last_seen_days	Integer	Days since the phone number was last seen in the Identity Network.
phone.email.first_seen_days	Integer	Days since the phone/email pair was first observed in the Identity Network.
phone.to_name	String	Indicates whether the input name matches the name associated with the phone.
phone.to_address	String	Indicates whether the phone number location matches the input address.
address.validity_level	String	Level of address validation (valid_to_city, valid_to_street, etc.).
address.to_name	String	Indicates whether the input name matches the name associated with the address.
identity_network_score	Float	ML prediction (0.0–1.0) of risk based on velocity, popularity, volatility, and age of identity elements.
identity_risk_score	Integer	Comprehensive fraud risk score (0–500) combining authoritative data and network patterns.