Smart-ID integration: how businesses accept the Baltic eID
Blog post from Didit
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Smart-ID is an app-based digital identity and signing service operated by Estonia’s SK ID Solutions, widely used in Estonia, Latvia, and Lithuania for authentication, public services, banking, and electronic signatures. Businesses can integrate it directly through an SK agreement or through a provider or broker, allowing users to confirm logins with PIN1 via the traditional personal-code and comparison-code flow or the newer Smart-ID+ QR and app-to-app flow. Successful authentication generally returns a user’s name, country-prefixed personal code, and assurance information, while addresses, contact details, and photos are not provided. Although Smart-ID is not an EU-notified eIDAS scheme, it has national high or qualified assurance recognition in the Baltic states, with implications for regulated uses such as AML and KYC that vary by country and may require legal review, particularly in Estonia. Pricing is transaction-based with monthly minimums for direct customers, while providers set separate fees. The text advises businesses to support document-based verification as a fallback for users without Smart-ID, including some non-residents, and to address phishing, outages, age rules, and additional compliance checks such as sanctions screening.
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