Businesses of all sizes use Instnt Accept™ to increase the number of customer sign-ups and new accounts that remain compliant and fraud-free.
Instnt Accept™ provides various low-code and no code integration options through its APIs and SDKs.
This guide will show you how to sign up and use Instnt Accept™. And the basics on how to set up our sandbox environment to start your onboarding process.
Let's Get Started
To register with Instnt, first, we provide you with the necessary tools to access the sandbox environments and further test your integration. All you have to do is simply signup.
How to create an Instnt account
You can create a new Instnt account here. All you need is your name, a phone number, and an email address.
- Go to Instnt dashboard and click Create a new account toggle.
- Enter your information. Click Register.
- Once you register, the Instnt team will email you to verify and confirm your registration.
- Once you login, you can start to create your workflow.
Create a Workflow
First create a workflow on Instnt dashboard. A workflow is the configuration of Instnt Accept product platform that you will use in your integration. Here you will specify the fields you want to use for your signup process, the features you want to enable and security and integration attributes.
- Sign in to Instnt dashboard and click Create Workflows.
- Enter a Workflow Name, then click Next Step to follow the onscreen steps.
Click Next Step to continue.
Field selector feature
Start by selecting the field data you're collecting from the customer. Instnt already provides a list of most common used fields in signup flows. You can always add your own custom fields.
Required fields are identified with a light yellow highlight. All fields are editable, using the pencil icon. Optional fields are deletable using the bin icon.
Click Next Step to continue.
Know Your Customer (KYC) feature
Turn on the Know Your Customer (KYC) Compliance feature (on by default) to have Instnt handle additional customer identification program/ Know Your Customer (KYC) compliance verification checks.
Note: Instnt recommends the KYC compliance feature remain enabled. Disabling this feature will impact fraud risk monitoring.
Click Next Step to continue.
One-Time Pin (OTP) configuration
One-Time Pin (OTP) is an extra security layer feature enabled by default to authenticate users' trusted phone numbers for identity verification and to verify the physical position of the device.
Note: Instnt recommends the OTP feature remain enabled. Disabling this feature will impact security threat risk monitoring.
Click Next Step to continue.
Document verification feature
With digital onboarding, users no longer have to be physically present for identity verification. Use Instnt Document Verification to electronically verify driver's licenses, passports, other documents, and state issues IDs. Compare selfies and verify barcode data to authenticate physical documents as proof of identity.
Note: Instnt recommends the document verification feature remain enabled if your workflow signup process includes online document verification. Disabling this feature will not include document verification during signup. Once enabled, see the Document Verification guide for more information on setting up.
Click Next Step to continue.
Security feature
Instnt includes trusted domains and encryption management security features to protect the platform infrastructure.
Enter one or more domain names that can be publicly reverse-lookup verified; for example, www.acme.com, *.acme.com, www.foo.com.
For more information on the Trusted Domains implementation, see the Instnt CORS Implementation guide.
Paste the public portion of your public-key infrastructure (PKI) key pair for encryption management. Instant will encrypt API responses with your public key combining our private key so only you can securely decrypt them.
For more information on Encryption Management and how to use it when decrypting, see the Data Encryption and Decryption guide.
Click Next Step to continue.
Integration
Instnt offers custom Integrations with your workflow. Each integration contains its respective Github repository with a readme that describes how to connect your custom integration with your workflow
Types of Integration include Javascript SDK, React SDK, Angular SDK, Android SDK, iOS SDK, and more.
If you'd like to receive real-time decision event notification updates in your workflow, use Instnt Webhooks.
Webhooks feature processes asynchronous events concerning when an occurrence happens to customer accounts. Event notification is sent when a bank confirms a customer payment, customer disputes a charge, or a recurring payment processing succeeds.
For more information on the Webhooks implementation, see the Instnt Webhooks guide.
Click Next Step to continue.
Review
Review your custom workflow and click the Create Workflow once satisfied with the build.
You can either use the auto-generated script provided by Instnt for the onboarding process or link to the Github repository of your choice of Integration to complete your custom integration.
Follow the instructions within their respective Github repository to begin processing applicants within the Instnt sandbox environment.
Instnt Accept Integration
Woohoo! You have completed your first sign-up workflow in the Instnt dashboard. The next step is to integrate Instnt with your application based on how you want to integrate it. You have the option to use our SDK or REST API.
See the Instnt Accept Integration Process guide for more information.
Retrieve the Assertion Response Payload
Once you connect to the sandbox environment, you can begin processing synthetic applicants provided to you by Instant.
Decisions applied to these synthetic applicants will be returned in an assertion response payload workflow that requires decryption.
Assertion response displays the relevant metrics that determine the final decision of acceptance, rejection, or manual review via the Instant engine.
Including first name, last name, mobile number, email, data, metadata, and more- processing new user registering device, biometric behaviors, geolocation, network cohort analysis, KYC, and document verification outcomes.
For more information on the decryption and analysis of the assertion response payload, see the Data Encryption and Decryption and Retrieving and Analyzing the Assertion Response guides.
Welcome Aboard!
By processing the synthetic applicants provided to you and decrypting their assertion responses, you've fully integrated with Instant.
From that point, Instant will be ready to move you into production at a moment's notice and continue to support your efforts to onboard more good customers.
For more in-depth on Instant machinery technology, see Developer Guide.