Karma Lookup
Summary
The Karma APIs grants businesses access to a large pool of data from different lenders. Businesses are able to check if their customers have been blacklisted.
Karma is a database of blacklisted bad actors within the Lendsqr ecosystem. A bad actor is someone who has been involved with fraud or has tried to request loans with fake identity. A bad actor may also be a chronic defaulter whose loan has been written off.
This endpoint is used to check if a customer is on the blacklist of bad actors. The following qualify as valid identity to check Karma:
Field
Description
Format Example
Email Address
Phone Number
Format should be in the form of +2347012345678
+2347012345678
Domain Name
Format should be in the form of example.com
example.com
BVN
Format should be in the form of 22212345678
22212345678
NUBAN Account number
Format should be in the form of XXX-1234567890 Where XXX is the CBN bank code
070-1234567890 for a Fidelity Bank account.
Images
Format is Base64
Base64 encoded string
It is up to you to proceed with such customer or not.
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