A method and apparatus for providing secure and efficient identity verification reuse to a user of a commerce platform are described. The method may include receiving a first set of user data associated with the user from a merchant system for identity verification of the user, and a second set of user data associated with the user, the second set of user data to verify a purported identity of the user. The method may also include verifying the purported identity of the user as a true identity of the user based on the first set of user data and the second set of user data. Furthermore, the method can include in response to a positive verification of the identity of the user, generating a cookie having an identifier and collecting a second authentication factor generated by a user device of the user, wherein the identifier of the cookie is associated with the second authentication factor by the commerce platform for identity verification reuse.