Phone Verification

Phone verification validates phone numbers, confirms ownership through OTP, and assesses risk based on phone type, carrier, and fraud signals.

Verification Methods

OTP Verification (Recommended)

Send a one-time password to confirm phone ownership:

curl -X POST https://api.bytrustgate.com/v1/phone/send-otp \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "phone": "+14155551234",
    "applicant_id": "550e8400-e29b-41d4-a716-446655440000",
    "channel": "sms"
  }'

Verify OTP

curl -X POST https://api.bytrustgate.com/v1/phone/verify-otp \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "phone": "+14155551234",
    "code": "123456",
    "applicant_id": "550e8400-e29b-41d4-a716-446655440000"
  }'

OTP Response

{
  "phone": "+14155551234",
  "verification_status": "verified",
  "verified_at": "2025-01-20T14:35:00Z",
  "phone_intelligence": {
    "type": "mobile",
    "carrier": "Verizon",
    "country": "US",
    "risk_score": 15,
    "risk_level": "low"
  }
}

Passive Phone Intelligence

Verify without sending OTP:

curl -X POST https://api.bytrustgate.com/v1/phone/lookup \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "phone": "+14155551234",
    "applicant_id": "550e8400-e29b-41d4-a716-446655440000"
  }'

Lookup Response

{
  "phone": "+14155551234",
  "valid": true,
  "type": "mobile",
  "carrier": {
    "name": "Verizon Wireless",
    "type": "mobile"
  },
  "location": {
    "country": "US",
    "country_code": "1",
    "region": "California"
  },
  "risk_assessment": {
    "risk_score": 20,
    "risk_level": "low",
    "factors": []
  },
  "line_status": "active",
  "ported": false,
  "roaming": false
}

Phone Types

Type	Description	Risk Level
`mobile`	Standard mobile phone	Low
`landline`	Fixed landline	Low
`voip`	Voice over IP	Medium
`toll_free`	1-800 numbers	High
`premium`	Premium rate numbers	High
`virtual`	Virtual numbers	Medium-High

Risk Factors

High Risk

Factor	Risk Contribution	Description
`fraud_history`	+40	Phone linked to fraud
`premium_rate`	+30	Premium rate number
`recently_ported`	+20	Number ported in last 30 days
`known_fraud_carrier`	+35	Carrier associated with fraud

Medium Risk

Factor	Risk Contribution	Description
`voip_number`	+15	VoIP provider number
`virtual_number`	+20	Virtual phone service
`prepaid`	+10	Prepaid SIM card
`country_mismatch`	+15	Phone country differs from applicant

Low Risk

Factor	Risk Contribution	Description
`new_number`	+5	Number recently activated
`unusual_carrier`	+5	Less common carrier

VoIP Detection

Detecting VoIP Numbers

{
  "phone": "+14155559999",
  "type": "voip",
  "carrier": {
    "name": "Google Voice",
    "type": "voip"
  },
  "risk_assessment": {
    "risk_score": 45,
    "risk_level": "medium",
    "factors": [
      {
        "factor": "voip_number",
        "contribution": 15,
        "details": "Google Voice VoIP number"
      }
    ]
  }
}

VoIP Providers Detected

Google Voice
Skype
TextNow
Burner
Hushed
And 500+ more...

Phone Porting Detection

Check Porting History

curl -X GET "https://api.bytrustgate.com/v1/phone/porting-history?phone=+14155551234" \
  -H "Authorization: Bearer YOUR_API_KEY"

Response

{
  "phone": "+14155551234",
  "current_carrier": "Verizon",
  "porting_history": [
    {
      "from_carrier": "AT&T",
      "to_carrier": "Verizon",
      "ported_at": "2024-12-15",
      "days_ago": 36
    }
  ],
  "recently_ported": true,
  "risk_factor": "medium"
}

SIM Swap Detection

Check for SIM Swap

curl -X POST https://api.bytrustgate.com/v1/phone/sim-swap-check \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "phone": "+14155551234"
  }'

Response

{
  "phone": "+14155551234",
  "sim_swap_detected": false,
  "last_sim_change": "2024-06-15",
  "days_since_change": 219,
  "risk_assessment": {
    "risk_level": "low",
    "details": "No recent SIM changes detected"
  }
}

Phone Number Validation

Format Validation

{
  "phone": "+1 (415) 555-1234",
  "validation": {
    "valid": true,
    "formatted_e164": "+14155551234",
    "formatted_national": "(415) 555-1234",
    "formatted_international": "+1 415-555-1234",
    "country_code": "1",
    "country": "US"
  }
}

Workflow Rules

Require OTP for VoIP Numbers

curl -X POST https://api.bytrustgate.com/v1/workflows/rules \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "rule_id": "otp_for_voip",
    "trigger": "phone_lookup_complete",
    "conditions": {
      "all": [
        {"field": "phone_type", "operator": "eq", "value": "voip"},
        {"field": "phone_otp_verified", "operator": "eq", "value": false}
      ]
    },
    "actions": [
      {
        "type": "request_info",
        "info_needed": "Phone verification required"
      },
      {
        "type": "send_otp",
        "channel": "sms"
      }
    ]
  }'

Flag Recent SIM Swaps

curl -X POST https://api.bytrustgate.com/v1/workflows/rules \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "rule_id": "flag_sim_swap",
    "trigger": "phone_lookup_complete",
    "conditions": {
      "all": [
        {"field": "sim_swap_days_ago", "operator": "lt", "value": 7}
      ]
    },
    "actions": [
      {
        "type": "add_flag",
        "flag": "recent_sim_swap"
      },
      {
        "type": "create_case",
        "case_type": "fraud",
        "priority": "high",
        "title": "Recent SIM swap detected"
      }
    ]
  }'

Phone Verification Settings

Configure Settings

curl -X PUT https://api.bytrustgate.com/v1/settings/phone-verification \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "require_otp": true,
    "otp_expiry_minutes": 10,
    "max_otp_attempts": 3,
    "block_voip": false,
    "flag_voip": true,
    "block_virtual": true,
    "sim_swap_check": true,
    "sim_swap_threshold_days": 7
  }'

OTP Channels

Channel	Description	Best For
`sms`	Text message	Most users
`voice`	Phone call with code	Accessibility
`whatsapp`	WhatsApp message	International

Send via Specific Channel

curl -X POST https://api.bytrustgate.com/v1/phone/send-otp \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "phone": "+14155551234",
    "channel": "voice",
    "language": "en"
  }'

Next Steps

Risk Signals - All fraud signals explained
Email Verification - Email risk assessment
Device Intelligence - Device fingerprinting

Verification Methods​

OTP Verification (Recommended)​

Verify OTP​

OTP Response​

Passive Phone Intelligence​

Lookup Response​

Phone Types​

Risk Factors​

High Risk​

Medium Risk​

Low Risk​

VoIP Detection​

Detecting VoIP Numbers​

VoIP Providers Detected​

Phone Porting Detection​

Check Porting History​

Response​

SIM Swap Detection​

Check for SIM Swap​

Response​

Phone Number Validation​

Format Validation​

Workflow Rules​

Require OTP for VoIP Numbers​

Flag Recent SIM Swaps​

Phone Verification Settings​

Configure Settings​

OTP Channels​

Send via Specific Channel​

Next Steps​

Verification Methods

OTP Verification (Recommended)

Verify OTP

OTP Response

Passive Phone Intelligence

Lookup Response

Phone Types

Risk Factors

High Risk

Medium Risk

Low Risk

VoIP Detection

Detecting VoIP Numbers

VoIP Providers Detected

Phone Porting Detection

Check Porting History

Response

SIM Swap Detection

Check for SIM Swap

Response

Phone Number Validation

Format Validation

Workflow Rules

Require OTP for VoIP Numbers

Flag Recent SIM Swaps

Phone Verification Settings

Configure Settings

OTP Channels

Send via Specific Channel

Next Steps