Overview

MetaMap's E-signature tool allows your customers to sign legal documents digitally. You can verify your customer's identity using their ID documents and biometrics along with getting their digital signature. With MetaMap, you can build a robust E-signature flow that will ensure that the individual who signs your legal document is the individual who should be signing it.

Availabity

🌎 Available globally

Features

• View and sign legal document(s)

  If you use our SDK or direct link, the individual will be shown a screen where they can view up to 5 legal documents before typing their name and (optionally) touch signing with their signature.

• Append custom variables to a legal document

  Use custom variables to customize the terms and conditions the individual agrees to, or highlight specific data in a document. The custom variables appear as an appended page at the end the signed document.

• Check the individual's name against ID document or a name you specify

  When enabled, MetaMap will check that the individual's typed name matches their full name in their ID document.
  Alternatively, you can specify the name you expect the individual to sign when you send them the MetaMap button.

• Check selfie against ID document

  When enabled, MetaMap will check that the individual's selfie photo or video match the individual's photo in their ID document.

• Enhanced authenticity checks

  MetaMap's E-signature product can be enhanced by combining it with authenticity checks like geolocation, e-mail ownership, phone number ownership, and biometric liveness.

• Download signed document

  MetaMap will provide a PDF of the signed document in the dashboard which will include (* if enabled):
  • Read timestamp
  • Sign timestamp
  • Biometric data *
  • Scanned ID document *
  • ID document scan values *
  • Telephone number ownership check *
  • E-mail ownership check *
  • IP and geolocation check *
  • Custom variables
  • Touch signature image *

Custom Variables

You can add custom variables to your documents to specify or highlight the individual's information and terms when the individual is ready to sign.

Custom variables are a type of metadata that will appear in the contract document(s). You add the metadata to either your direct link or to your MetaMap button . The custom variable metadata has the following format:

{
  "eSignature": {
    "customVariables": {
      "<variable key>": {
        "title": "<variable title>",
        "value": "<variable value>",
        "documents": [
          "<document1 ID>",
          "<document2 ID>"
        ]
      }
    }
  }
}

The following example with variable keys carMake and carModel:

{
  "eSignature":{
  "customVariables":{
    "carMake":{
      "title":"Car Make",
      "value":"Toyota"
    },"carModel":{
      "title":"Car Model",
      "value":"Camry"
    }
  }
}

would appear in each uploaded document as a table appended to the contract as an extra page:

Customer flow

In order to pass the E-signature step of your workflow, the individual has to read (scroll down) the document, type their name, and if enabled, pass biometric and document verification.

Signature Methods

The E-signature product there has three types of configurations or "Signature Methods":

1. Name
2. ID Document and Name
3. Face, ID Document, and Name

Here's what your customers will see for each Signature Method if you use MetaMap's prebuilt UX:

Name

The Name Signature requires the individual to view the legal document and type in their name, and (optionally) touch sign the document.

ID Document and Name

The ID Document and Typed Name Signature requires the individual to:

1. Upload an ID document with their name and date of birth
2. View the legal document and type in their name , and (optionally) touch sign the document.

Face, ID Document, and Name

The Face, Document, and Name Signature requires the individual to:

1. Upload a national ID with name and date of birth
2. Take a selfie photo or video
3. View the contract and type in their name, and (optionally) touch sign the document.

How it works

If the individual passes the E-signature step and any optional Biometric or Document Verification checks, they will be "Verified". If they fail these checks, they will be marked as "Review Needed".

Setup

There are 3 main steps to set up E-Signature:

1. Setup your workflow on the dashboard
2. Integrate or use MetaMap's Direct Link
3. Process verification results

Step 1: Setup a Workflow

The first step to setting up E-Signature is to create a new workflow in the Dashboard. Once you've created a new workflow, add E-Signature.

Verification flow setup for each Signature Method:

1. Name Setup
2. ID Document and Name Setup
3. Face, ID Document, and Name Setup

Name Signature Setup

Implement this Signature Method if you want to allow the individual to sign a legal document digitally by typing their full name and (optionally) touch signing.

To implement this:

1. Login to the dashboard, and create a Verification Flow
2. In your workflow, add the E-Signature tool
3. Update the E-Signature tool configuration in the right hand panel
   • Turn on the "Enable E-Signature" toggle
   • "Name Typing" will be selected as the default "Signature method"
   • (optional) Toggle "Require touch sign" to have the individual draw their signature
   • Under "Terms to Agree to", upload up to 5 documents that the individual will have to read before signing
4. Click "Save" and your workflow is ready to use

Document and Name Signature Setup

Implement this Signature Method if you want to verify that the individual's typed name matches their uploaded ID document.

To implement this:

1. Login to the dashboard, and create a Verification Flow
2. In your workflow, add the E-Signature product
3. Update the E-Signature product configuration in the right hand panel
   • Turn on the "Enable E-Signature" toggle
   • "Name Typing" will be selected as the default "Signature method"
   • (optional) Toggle "Require touch sign" to have the individual draw their signature
   • Under "Terms to Agree to", upload up to 5 documents that the individual will have to read before signing
4. Add the Document Verification product to your workflow
5. Update the Document Verification product configuration in the right hand panel
   • Select "Selfie Photo" or "Selfie Video"
6. Click "Save" and your workflow is ready to use

Face, Document, and Name Signature Setup

Implement this Signature Method if you want to verify that the individual's typed name matches their uploaded ID document, and that their selfie photo matches their ID document photo.

To implement this:

1. Login to the dashboard, and create a Verification Flow
2. In your workflow, add the E-Signature product
3. Update the E-Signature product configuration in the right hand panel
   • Turn on the "Enable E-Signature" toggle
   • Change the "Signature method" to "Face and Document Signature", and in the modal that appears, select "Add this product"
   • (optional) Toggle "Require touch sign" to have the individual draw their signature
   • Under "Terms to Agree to", upload up to 5 documents that the individual will have to read before signing
4. Update the Document Verification product configuration in the right hand panel
   • Select "Selfie Photo" or "Selfie Video"
5. Click "Save" and your workflow is ready to use

Supplemental checks

You can also add supplemental checks to the E-signature tool:

IP check
Add IP check to your workflow, and we will verify that the individual's geolocation makes the individual eligible to sign this document digitally.

The individual doesn't need to enter any additional information for this check.

Liveness check
Add Biometric Verification to your workflow, and configure it for "video selfie" to enable this check. We will verify that the individual is a live human to reduce fraud.

The individual needs to record a selfie video for this check.

Phone check
Add Phone Check to your workflow, and we will verify that the individual owns the phone number that they input.

The individual needs to input their phone number for this check.

Email check
Add Email Check to your workflow, and we will verify that the individual owns the email address that they input.

The individual needs to input their email for this check.

Step 2: Integrate

There are 3 ways you can use MetaMap's E-signature:

• Direct Link — Send your customers a link to sign documents on MetaMap's prebuilt UX
• Metamap Button Button — Integrate our MetaMap Button SDK into your application to use our prebuilt UX

Direct Link

If you are not a developer, or you don't have the resources to integrate at this time, you can start using MetaMap's E-Signature product in minutes without any code with our Direct Link.

To implement this:

1. Setup the workflow for E-Signature in the dashboard

2. Get the Direct Link
   (optional) Specify a signed name (nameMatching) and/or append metadata (customVariables) to your direct link.
   The following example appends both a signed name and metadata:

   JSON

   {
     "eSignature":{
       "nameMatching":{
         "fullName": "JOHN DOE"},
     	"customVariables":{
       	"carMake":{
         	"title":"Car Make",
         	"value":"Toyota"
       	},"carModel":{
         	"title":"Car Model",
         	"value":"Camry"
       	}
     	}
   	}
   }
   

   You would append the following reformatted JSON to your direct link:

   HTTP

   &metadata={"eSignature"::{"nameMatching":{"fullName":"JOHN DOE"}, "customVariables":{"carMake":{"title":"Car%20Make%20","value":"Toytota%20"},"carModel":{"title":"Car%20Model%20","value":"Camry%20"}}}}
   

   You can also our example at CodePen.io.

3. Send the Direct Link to your customers

Integrate our MetaMap Button via SDK

Use our SDK integration if you want to use MetaMap's verification tools but design your own E-Signature experience for your customers.

To implement this:

1. Setup the workflow for E-Signature in the dashboard

2. Install and implement an SDK framework
   (optional) Specify a signed name (nameMatching) and/or append metadata (customVariables) to your direct link.
   The following example appends both a signed name and metadata:

   JSON

   {
     "eSignature":{
       "nameMatching":{
         "fullName": "JOHN DOE"
       },
     	"customVariables":{
       	"carMake":{
         	"title":"Car Make",
         	"value":"Toyota"
       },"carModel":{
       	  "title":"Car Model",
         	"value":"Camry"
       	}
       }
     }
   }
   

   would look like the following example in our Web SDK:

   HTML

   <script src="https://web-button.getmati.com/button.js">
     </script>
     <mati-button
       clientid="<client_id>"
       flowId="<client_secret>"
   		metadata='{
           "eSignature":{
             "nameMatching":{
                 "fullName": "JOHN DOE"
                 },
             "customVariables":{
               "carMake":{
                 "title":"Car Make",
                 "value":"Toyota"
               },"carModel":{
                 "title":"Car Model",
                 "value":"Camry"
               }
             }
           }
         }' />
   

Integrate via API

Use our API Integration if you want to use MetaMap's verification tools but design your own E-Signature experience for your customers.

To implement this:

1. Setup the workflow for E-Signature in the dashboard and get the Flow ID

2. Send a request to the Authentication endpoint to get an authentication token

3. Pass your Flow ID into the Create Verification to get the verification id and the inputs

4. When the individual signs the document in your application, pass your verification id and inputsonto this endpoint

   shell

   curl --location 'https://api.getmati.com/v2/verifications/{{verificationId}}/inputs/electronic-signature-with-full-name' \
   --header 'Authorization: Bearer {{access_token}}' \
   --header 'Content-Type: application/json' \
   --data '{
       "data": {
           "fullName": "JOHN DOE",
           "readDetails": [
               {
                   "documentId": "{{documentId}}",
                   "readAt": "2023-04-01T00:00:00.000Z"
               }
           ],
           "signedAt": "2023-04-01T00:00:00.000Z"
       }
   }'
   

   Variable	Type	Description
   access_token	String	The access token obtained from the Get API Authorization Token API call
   verificationId	String	The ID of the verification that you created using the Create Identity API call
   data	Object	An object that contains the information needed for the verification. The information can include any fields that you want to include in the verification.

   The data object should include the following keys:

   • data.fullName: The full name of the person who will sign the document

   • data.readDetails: An array of objects that contains information about the documents that the individual has read. Note that multiple documents can be signed simultaneously by the individual.

     • Each object should have two properties:

       • documentId: which is the ID of the document that the individual has read, note that this value can be obtained from our dashboard when uploading PDF documents in a workflow.

         

       • readAt: which is the date and time when the individual read the document.

   • data.signedAt: The date and time when the individual signed the document. This should be in ISO 8601 format (e.g., 2023-04-01T00:00:00.000Z)

Step 3: Process verification results

E-signature verification checks will result in a "Verified" or "Review Needed" status. E-signature checks will never result in a "Rejected" status.

There are two ways you can process verification results for E-signatures:

1. In the Dashboard
2. Using Webhooks

Dashboard Verification Results

In the dashboard, visit the Verifications tab, and click on a Verification to review the results and download the signed document. These are the checks that indicate whether or not an individual has passed an E-signature verification:

• Verification Status: Verified/ Review Needed
• Facematch with Selfie: Passed/ Failed
• Namematch with ID Document: Passed/ Failed
• E-Signature Results

Webhook verification results

To handle the webhook responses that will be sent to your webhook URL, you will need to configure your webhooks.

If you have enabled touch sign, the signature image will be included in an additional file.

The following webhook corresponds with the E-Signature tool:

• electronic-signature-document-validation