Platform
What is Vouchmark?
Vouchmark is a workspace for Nigerian business trust. You verify your own company, check vendors, keep watching the ones you work with, and share the result from one account.
Verify
Seven layers: profile, CAC, tax, bank, address, web, and shareholders. Each one has its own status and evidence.
Monitor
Trust Monitor re-checks cleared vendors on a schedule. You get an alert when a CAC record changes, a sanctions hit appears, press coverage turns negative, or a score drops.
Share
VouchScore, dossiers, compliance deadlines, and exportable reports are what partners and reviewers open.
Who uses it
- Businesses claiming a profile and building a VouchScore
- Procurement and finance teams vetting and watching vendors
- Products embedding KYB onboarding for applicants
- Developers calling verification and monitoring through the API
Trust score
VouchScore
VouchScore is a rating from 0 to 500. A company on the CAC register already has a starting score from its status, legal form, and years registered. The score then goes up as verified evidence is added. Partners can read it without asking for the same documents again.
Score ranges
How to raise it
The CAC record gives a starting score. Verified CAC documents, tax, address, bank, website, and shareholders add more. Your company profile page does not add points. The exact weights are in score calculation.
How VouchScore is calculated
Every registered company starts with up to 110 points from the CAC record: Active status, company rather than a business name, years on the register, RC number, nature of business, and location. Verified evidence stacks on top. The total still caps at 500. If a layer is later unverified, those points drop on the next recalculation.
Not in VouchScore
Company appearance
Appearance is how often people find and open your public Vouchmark profile. It is separate from VouchScore.
Profile views
Times your public profile was opened from search, a shared link, or a direct lookup.
Search appearances
Times your company showed up in search by name, RC number, or related keywords.
Engagement
Dossier opens, verification detail views, and repeat visits from the same accounts.
Where you see it
The overview dashboard shows these counts, with a link here for detail.
Seven verification layers
Each layer has its own documents, review status, and (except the profile) a contribution to VouchScore. Complete them in any order. The dashboard tracks progress as completed layers out of seven.
- 1Company profile
Business category, nature of business, description, and head office address.
- 2CAC verification
Certificate of incorporation, CAC status report, and MEMART for company-type registrations.
- 3Tax clearance
FIRS tax clearance certificate and JTB TIN certificate where they apply.
- 4Office address
Operating address matched to a utility bill. Physical verification is optional.
- 5Bank account
Corporate account verified through Paystack name matching. No funds are accessed.
- 6Web and social
Website reachability check plus linked social profiles.
- 7Shareholders
Ownership structure with ID verification for each listed shareholder.
Status labels
Each layer shows as pending, in review, verified, or action required. Failed checks include a reason so you know what to resubmit. Verified layers appear on your public profile and in exported dossiers.
Verification
Company profile
The company profile is the first verification layer. It is your public Vouchmark page and the context Trust Monitor uses when watching your brand. It does not add VouchScore points.
Editable fields
- Business category and nature of business
- Company description and industry classification
- Head office address and primary contact details
- Logo and branding shown on your public profile
What stays on Vouchmark
Profile edits update your Vouchmark presence only. They are not submitted to the CAC portal or any government registry.
Why partners read it
Partners read the profile before they open documents. Incomplete or stale details slow that down.
CAC verification
CAC verification confirms the business is registered with the Corporate Affairs Commission. Uploaded documents are checked against your RC number and registered details.
Before 2021 certificates
Legacy CAC format. Select this era when uploading so reviewers apply the matching rules.
2021 or later certificates
Current CAC format. Verified with the current document parsers.
Required documents
CAC certificate
Certificate of incorporation or registration with legal name, RC number, and incorporation date.
CAC status report
Recent status report showing active registration, directors, share capital, and registered address.
MEMART
Memorandum and Articles of Association. Required for businesses registered as a company.
Upload requirements
- PDF only. Clear, readable, and complete
- Every page of a multi-page document
- Documents that show current registration status
- Names and RC numbers that match the claimed company
Tax and TIN verification
Tax verification confirms the business is registered with Nigerian tax authorities. FIRS and JTB are checked separately when both apply.
FIRS TIN
Your Federal Inland Revenue Service Tax Identification Number, taken from an uploaded Tax Clearance Certificate. The TIN is extracted and compliance status is cross-checked.
JTB TIN
Joint Tax Board registration for businesses that need JTB enrollment. Verified on its own through the JTB TIN certificate.
What this is used for
- Shows registration with tax authorities
- Gives procurement and lending teams a tax record to check
- Adds the FIRS and JTB amounts to VouchScore when each is verified
Upload requirements
- PDF copies of the FIRS Tax Clearance and JTB TIN certificates
- Current certificates that clearly show the TIN
- Business name on the certificates matching CAC registration
Bank account verification
Bank verification confirms the corporate account belongs to the registered business. You provide the account number and bank. We resolve the account name through Paystack and match it to the legal company name.
What we check
- Account name matches the CAC-registered business name
- Account is active and resolvable through Nigerian banking rails
- No transaction history or balance data is accessed
What Paystack returns
Office address verification
Address verification shows the business operates from a real, traceable location. Enter the address, upload a utility bill, then request an optional physical visit.
- 1
Address details
Street, city, state, LGA, postal code, and country. Must match the utility bill exactly.
- 2
Utility bill upload
Electricity, water, waste, or internet bill from the last 3 months, in PDF, showing the business name and address.
- 3
Physical verification
Optional on-site visit confirming signage, access, and that the business operates at the location.
Accepted utility bills
- Electricity bill, not older than 3 months
- Water or waste management bill with account details
- Internet or cable TV bill showing the business address
- Bill must display the business or registered company name
Progress tracking
The dashboard shows which steps are complete. The first two are self-serve. Request a physical visit from the address page after the utility bill matches.
Shareholder verification
Shareholder verification shows who owns and controls the business. Each listed owner or entity is checked against identity documents.
Required per shareholder
- Full legal name and role in the company
- Contact information for follow-up
- Ownership percentage where it applies
- Valid ID for each individual shareholder
Who to include
Add every individual or company with a material ownership stake. For companies, align the list with your CAC status report and MEMART.
Review process
Submitted IDs are checked for authenticity and name consistency. Mismatches go to action required, with notes on what to resubmit.
Trust Monitor
Trust Monitor overview
A search shows what a vendor looks like today. Trust Monitor keeps checking on a schedule and alerts you when something material changes.
Ongoing checks
CAC, sanctions, and news checks run in the background. Each check is billed from your wallet.
Paid investigations
Deeper paid checks only run when a risk signal calls for one. They run automatically up to your auto-approve limit and wait for approval above it.
Per vendor
Each watched vendor has its own score, risk band, investigation history, and alert stream.
Typical path
- 1
Search and clear a vendor
Run a verification search and add the company to your watchlist from the results or vendor page.
- 2
Trust Monitor watches
Scheduled checks track registry changes, media, sanctions, and score movement.
- 3
Act on alerts
Review flags, approve deep investigations when needed, and export reports.
Vendor monitoring
The vendors page is the watchlist: every business you are monitoring, with live VouchScore, risk level, and last check time.
What runs automatically
- CAC status and director change checks
- Adverse media and news mention scans
- Sanctions and PEP screening
- VouchScore recalculation when new evidence arrives
- Higher-risk vendors are checked more often
Vendor detail page
Open any vendor for the timeline: alerts, score history, linked investigations, and actions to run a fresh search or remove them from the watchlist.
Reputation monitoring
Reputation monitoring watches your own brand, not your vendors. It tracks your public health score, press mentions, and trust badge eligibility.
Score and badge
- Score range is 0 to 500, using the same bands as VouchScore
- 350 and above keeps the trust badge active
- Below 350 the badge pauses until the score recovers
- Below 250 is high risk
- The score updates when CAC records, media, or sanctions data change
Mentions and signals
See recent press coverage, registry updates, and flagged events that affected the score. Use disputes to challenge incorrect flags.
Investigations
Investigations are deeper checks Trust Monitor proposes when surface signals are not enough. They are charged to your wallet and run automatically up to the auto-approve limit you set; anything above the limit waits for your approval.
Needs approval
Investigations that cost more than your auto-approve limit wait here. You also get a secure email link to approve or decline before anything is charged.
In progress
Approved investigations running against external data sources.
Completed
Finished reports with findings, sources, and recommended next steps.
Approval flow
Set an auto-approve limit on the Investigations page. With no limit (the default), every investigation is approved, charged and run automatically. With a limit, investigations that cost up to it run automatically, and anything above it shows as pending approval with the charge and is emailed to you. If an automatic charge fails, for example because your wallet is low, the investigation waits for your approval instead. Completed reports are downloadable from the investigations list.
Disputes
Disputes let you challenge flags that affect your reputation score. Submit the flag, your explanation, and supporting documents. The team reviews every case.
- 1
Select the flag
Choose the monitoring event or score impact you disagree with.
- 2
Provide evidence
Explain why the flag is incorrect and attach proof: court orders, corrected registry extracts, or official correspondence.
- 3
Track resolution
Pending disputes are queued for review. Approved disputes can restore lost score points.
Research and AI
Vouch AI
Vouch AI is a research assistant scoped to one company at a time. Ask about a vendor or your own business and get answers from Vouchmark data with cited sources. Context does not leak between companies.
Scoped per company
Each chat is tied to one company. Switch companies to change context. Earlier conversation history stays separate.
Source-backed answers
Responses point at verification records, search results, and public filings so you can trace a claim.
Wallet usage
Vouch AI is billed per 1,000 tokens from your wallet. Top up from billing if your balance runs low.
Questions it handles well
- Summarise this vendor's verification status and open risks
- What changed on their CAC record in the last 90 days?
- Compare tax and bank verification evidence side by side
- Draft a due diligence summary for internal review
Business dossier
The business dossier holds verified records and exportable reports from your searches and verifications. CAC certificates, tax filings, bank confirmations, and generated reports sit in one list.
What appears here
- Documents pulled from verification searches you have run
- Files uploaded during your own company verification
- Generated PDF reports and registry extracts
- Trust Monitor reports for vendors you watch
Filtering and download
Narrow by company, report type, or period. Expand a row to open or download its files. The list updates when new searches complete or verifications are approved.
Compliance calendar
Track statutory deadlines per company: CAC annual returns, FIRS filings, PenCom, ITF, and custom obligations you add. The calendar shows countdowns. Obligations hold the full checklist.
Calendar view
Month-by-month view of upcoming and overdue deadlines, with urgency shown on the dates.
Obligations list
Every tracked requirement: active, completed, or snoozed.
Default obligations
Common Nigerian statutory obligations are added when you claim a company. Adjust dates as needed.
Per-company tracking
Compliance follows the company selected in the sidebar. Switch companies to manage a different set. Overview shows the next three upcoming deadlines.
Search and history
Every company lookup is saved, with date, RC number, and a link back to the profile. Overview also shows recent searches.
From search to monitor
- Run a search from overview or the public search page
- Review verification layers and VouchScore on the company profile
- Add the company to the Trust Monitor watchlist
- Re-open a past search from history without a second charge
Managing history
Delete individual entries you no longer need. Deleting a history row does not remove dossier files already collected.
Documents vault
The documents vault is the private file store for verification uploads and other evidence, organised in folders with grid or list views.
What goes here
- Documents uploaded during your company verification flow
- Supporting files you archive for internal use
- Folder navigation with breadcrumb paths and bulk select
Vault vs dossier
The vault holds workspace files. The business dossier holds verified records and reports from searches. Vault for raw uploads, dossier for structured verification output.
Integrations
KYB onboarding
Onboarding widgets put Vouchmark verification inside your own product. Applicants complete KYB steps in your flow. Results land in your dashboard for review.
- 1
Create a widget
Set branding, required verification steps, and environment (sandbox or live).
- 2
Embed or link
Use the generated embed code or hosted link in your application or intake form.
- 3
Review applicants
Track each applicant's progress, uploaded documents, and final verification status.
Widgets and verifications tabs
- Widgets: configure and manage embeddable KYB flows
- Verifications: list of applicants and their submission status
- Each widget can have its own webhook endpoints for status updates
Developer API
Call Vouchmark from your own systems. Run searches, pull verification status, receive webhook events, and manage API keys per environment.
API keys
Separate sandbox and live secret keys. Rotate at any time. Old keys stop working immediately.
Webhooks
Subscribe to verification completed, score changed, and monitoring alert events.
Documentation
Request examples and the full reference are in the developer docs.
Environment switcher
Toggle sandbox and live from the developer header. Keys, webhooks, and test data stay isolated, so production credentials never touch staging traffic. Open the API reference.
Billing and wallet
Vouchmark uses a prepaid wallet. Top up via Paystack, then pay per use for full company profiles, verifications, Trust Monitor checks, approved investigations, KYB sessions, and Vouch AI. Searching is free.
Wallet and auto-pilot
- Top up manually, or turn on auto-pilot to recharge when the balance is low
- Activity shows top-ups and usage, with date and status filters and CSV export
- A reserve balance you set stays in the wallet; charges that would dip below it are blocked
- Some accounts carry a monthly spend cap set by Vouchmark; contact support to change it
- Searches this month on overview are unique company views, not a plan quota
What consumes balance
- Opening a full company profile you have not already unlocked
- Trust Monitor checks, billed per check for each vendor you watch
- Approved paid Trust Monitor investigations
- Vouch AI usage, billed per 1,000 tokens
Web and social verification
This layer ties the registered business to its website and social accounts so partners can see the same entity in both places.
Website check
Social profiles