E-commerce

Address and buyer verification at checkout

Autofill checkout with a signed, already-validated shipping address.

Use case
Address verification
Wallet data
PID · EAA
Authbound capability
Identity Verification
Flow
Verify
What changes

Before and after the wallet

Today

  1. Buyer types address
  2. No validation
  3. Failed delivery
  4. Fraud rules and shipping

With the EUDI Wallet

  1. Wallet autofill
  2. Authbound verifies
  3. Structured address
  4. Fraud rules and shipping

The wallet changes how the evidence is collected. The step at the end stays yours.

The problem

Why this is worth changing

For the business
Failed deliveries and address fraud turn into return shipping and chargebacks.
For the user
Typing a full address on a phone is slow and easy to get wrong.
For operations
Addresses arrive as free text that needs cleaning before it can be shipped to.

Why the wallet helps

A wallet-verified address arrives already validated and signed, which removes the typo failures outright and makes address fraud considerably more expensive. On marketplaces the same mechanism confirms seller legal name, registry number and VAT status, so a trust badge points at a government record instead of a self-declaration.

  • Typo-driven failed deliveries mostly disappear on wallet checkouts
  • Fewer fields to fill, which is the oldest reliable conversion win there is
  • Marketplace seller badges backed by registry data
User journey

What actually happens

  1. 01

    You request specific attributes

  2. 02

    The user gets the request by QR or deep link

  3. 03

    The wallet shows exactly what is asked

  4. 04

    The user approves on their device

  5. 05

    The wallet presents the signed credential

  6. 06

    Authbound verifies the presentation

  7. 07

    Your backend receives a structured result

  8. 08

    Your existing workflow continues

How it works

Three steps with Authbound

  1. Step 01

    Offer wallet autofill

    Put a one-tap option next to manual entry that fills name and shipping address from the wallet.

  2. Step 02

    Receive structured fields

    The address comes back as signed structured data rather than free text, so there is no normalisation pass.

  3. Step 03

    Feed your fraud rules

    Use the verification as a strong positive signal and relax friction for verified buyers.

Technical flow

  1. Your application
  2. Authbound API
  3. Wallet request
  4. Presentation
  5. Trust and revocation checks
  6. Your backend
Technical details
const verification = await authbound.verifications.create({
  policyId: 'pol_…',      // the claims this flow requests
  customerUserRef: user.id,
});

// Your webhook then receives verification.completed
// with the verified result and its audit record.
  • Request: an OpenID4VP presentation request built from your policy.
  • Hand-off: QR code on desktop, deep link on mobile.
  • Checks: issuer against the EU trust lists, status list revocation, device binding.
  • Result: structured claims plus an audit record, delivered by webhook.
Who does what

What Authbound handles, what you handle

Authbound handles

  • The wallet request, with QR on desktop and a deep link on mobile
  • Verifying the presentation the wallet returns
  • Checking the issuer against the EU trust lists
  • Revocation and device binding checks
  • A structured result delivered to your backend
  • An audit record of every verification

Your application handles

  • Choosing which attributes the flow requests
  • Your business logic and account creation
  • Fraud rules and shipping
  • Risk and fraud decisions
  • How long you keep the result
  • A path for users without a wallet
What's involved

Credentials, standards and rules

Wallet presents

  • PID
  • EAA

Regulatory context

PSD2 and SCA where payment is involved, GDPR, eIDAS 2.0

There is no rule that requires address verification at checkout. GDPR applies to whatever you collect, so request only the fields you ship with. When payment is involved, PSD2 strong customer authentication is handled by the payment provider as before.

Cartiva demo
Live demo

See the complete flow in Cartiva

A marketplace checkout that uses verified identity and address proof to reduce fraud and chargebacks.

What it asks the wallet for

  • given_name
  • shipping_address
  • age_over_18

What the business gets back

Buyer status
Verified
Seller protection
Active
Order total
1,240€
Open the Cartiva demo

Cartiva is a fictional company built by Authbound. The wallet integration in it uses the real Authbound SDK.

Questions

What buyers ask

Does this replace our fraud tooling?

No. A verified identity tells you the buyer is who they say. It does not tell you the card is theirs. Use it to reduce friction for verified buyers rather than to retire your scoring.

Can we take the address without the name?

You can request any subset the credential supports. Shipping usually needs a name on the parcel, but if yours does not, leave it out and store less.

How does this help a marketplace verify sellers?

Business credentials carry legal name, registry number, VAT status and registered address, signed by the relevant registry. The badge then reflects a verified record rather than an uploaded PDF.

Can we keep our current checkout?

Yes. Wallet autofill sits next to manual entry, and shoppers choose.

What does our backend receive?

The fields you requested as structured, signed data, typically name and shipping address. You also get a verification ID to attach to the order.

What if the shopper wants to ship somewhere else?

The verified address is their registered one. For gifts or work deliveries, let them enter a different address manually and treat the order with your normal rules.

Is the address always in the wallet?

Not always. Address is optional in the PID and depends on the member state, so manual entry stays available.

Does it work for shoppers from other EU countries?

Yes. Verification is the same for every EU wallet, so cross-border shoppers get the same autofill.

What happens if the shopper has no wallet?

They type their address as they do today. Nothing breaks.

When will shoppers have wallets?

Every member state has to offer a wallet by 24 December 2026. Private services that are legally or contractually required to use strong user authentication have to accept it from December 2027 when the user asks. Treat wallet autofill as a growing share of checkouts rather than a switch.

Next step

Have a different wallet use case in mind?

Tell us what you are trying to build. We will map the user journey, the credentials and the wallet interaction to an implementation.