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Smile API
The company contact page lists Smile Technology Pte Ltd at 68 Circular Road, #02-01, Singapore 049422.
What it is
Smile API provides real-time, user-authorized access to verified identity, employment, and financial data for organizations building services that rely on those details. It draws information from government, HR and payroll systems, gig platforms, and documents users upload. Smile Wink connects payroll, government, or HR accounts for verified employment and income data. Smile Snap processes identity documents and income records, while Smile Signals combines telecom, behavioral, and email signals for screening. Smile Flip supports identity checks, face matching, document capture, form autofill, and onboarding workflows. The API uses REST, JSON, and HTTPS, with an OpenAPI specification and Postman collection for developers. New accounts can explore a sandbox with mock data; production access requires approval and is billable. Users can revoke access, and Smile says the data is then deleted through its Revoke API. The service lists a free plan and trial; pricing is available on request. Smile identifies banks, fintechs, lenders, recruitment agencies, HR teams, and other service providers as potential users.
For and against
For
- Combines data from government, HR, payroll, gig platforms, and uploads
- Supports identity, employment, income, and risk-screening workflows
- Developer resources include an OpenAPI specification and Postman collection
- Users can revoke access to their data
Against
- Sandbox access uses mock data only
- Production access requires approval and is billable
- Pricing is available on request
The verdict
Smile API brings several verification and onboarding workflows together behind an API, with a sandbox for initial development. Organizations should account for production approval and request pricing from the company.
Who it suits
It suits banks, fintechs, lenders, recruitment agencies, HR teams, and service providers that need user-authorized identity, employment, or income data. Developers can start with mock data in the sandbox; production access requires approval.
Plans and prices
Sandbox
test credentials · mock data only · production access requires approval and is billable
Read 30 Sep 2026 · docs.getsmileapi.com
On the record
- Account linking
- Smile Wink provides a JavaScript widget for web or mobile apps that lets users authenticate with employment data providers or upload documents.docs.getsmileapi.com · read 30 Sep 2026
- Company
- The maker identifies itself as Smile Technology Pte Ltd. and lists its address as 68 Circular Road, #02-01, 049422, Singapore.getsmileapi.com · read 29 Sep 2026
- Data sources
- It consolidates information from government, HR and payroll systems, gig economy platforms, and uploaded documents.getsmileapi.com · read 30 Sep 2026
- Developer access
- New accounts can test immediately in Sandbox with mock data; production access requires contacting Smile and is subject to approval.docs.getsmileapi.com · read 30 Sep 2026
- Digital onboarding
- Smile Flip supports identity checks, face matching, document capture, form autofill, and customizable onboarding workflows.getsmileapi.com · read 29 Sep 2026
- Document processing
- Smile Snap extracts employment and income details from payslips and income tax documents and checks for tampering and inconsistencies.docs.getsmileapi.com · read 30 Sep 2026
- Integration
- The API uses REST, JSON, and HTTPS, and the developer resources include an OpenAPI specification and Postman collection.docs.getsmileapi.com · read 30 Sep 2026
- Integrations
- The maker describes integration through a unified API, plug-and-play APIs, and a developer SDK; Smile Wink can also be embedded as a widget or sent by email.getsmileapi.com · read 29 Sep 2026
- Pricing
- The pages opened did not state a price; the product pages direct visitors to book a demo or contact the company.getsmileapi.com · read 29 Sep 2026
- Privacy
- The maker says users control which parties receive their personal data and states that it complies with the Philippine Data Privacy Act of 2012.getsmileapi.com · read 29 Sep 2026
- Privacy controls
- Users can revoke access to their data, after which Smile says the information is deleted through its Revoke API.docs.getsmileapi.com · read 30 Sep 2026
- Privacy law
- Smile states it complies with the Philippines Data Privacy Act of 2012 and supports users' data portability rights under Section 18.getsmileapi.com · read 30 Sep 2026
- Product
- Smile API provides real-time, user-authorized access to verified identity, employment, and financial data through an API.getsmileapi.com · read 29 Sep 2026
- Purpose
- Smile API provides real-time, user-authorized access to identity, employment, and income data through one API.getsmileapi.com · read 30 Sep 2026
- Risk screening
- Smile Signals offers risk signals including borrower behavior, borrower screening, credit lifecycle, digital footprints, and multiple application warnings.docs.getsmileapi.com · read 30 Sep 2026
- Security
- Smile says credentials are sent to data sources over TLS and data is encrypted using RSA 4096 with SHA-256 signing.docs.getsmileapi.com · read 30 Sep 2026
- Support
- Smile invites organizations to contact it for help understanding the API, implementation, and going live.getsmileapi.com · read 30 Sep 2026
- Target users
- Smile names banks, fintechs, recruitment agencies, lenders, and other service providers as intended users.docs.getsmileapi.com · read 30 Sep 2026
