A SIM Swap API is a telecom network level interface that allows applications to check whether a mobile number’s SIM card was recently changed. This acts as a powerful fraud prevention signal because SIM swaps are a common method attackers use to hijack a victim’s phone number and override SMSbased authentication.
The API returns either:
- The timestamp of the last SIM swap, or
- A yes/no indication whether a swap occurred within a defined period (e.g., 24 hours or custom window).
Why SIM Swap APIs Matter
- Fraud Prevention
SIM swap fraud is a major vector for account takeovers, especially in banking, payments, crypto, and highvalue accounts. A recent SIM change is a red flag that the user’s identity might be compromised.
- Reinforces Authentication
By checking SIM swap status during high-risk user actions (login, registration, password reset, fund transfer), businesses add a powerful second factor that goes beyond SMS.
FAQs
1. What is the SIM Swap API?
The SIM Swap API enables partners to check whether a SIM card has recently been swapped, helping prevent fraud and unauthorized transactions.
2. Why is SIM Swap verification important?
SIM swap fraud is commonly used to hijack accounts. Verifying recent SIM changes helps reduce:
- Mobile money fraud
- Account takeovers
- Identity theft
3. What does the SIM Swap API return?
It typically returns:
- SIM swap status (Yes/No)
- Date/time of last SIM swap (if applicable)
- Is SIM Swap information real time?
Yes. The API provides near real-time data based on MTN network records.
- Who can use the SIM Swap API?
Only authorized partners with:
- An approved fraud-prevention use case
- Signed agreements
- API access credentials
- Does SIM Swap API replace KYC?
No. It complements KYC. Best practice is to use both KYC and SIM Swap APIs together for stronger security.
7. How can I request for this solution
You must reach out to MTN Business through sales.rw@mtn.com