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Our Proof of Address verification process includes a series of automated checks to ensure the quality and validity of submitted documents. This page outlines the potential warnings and errors you might encounter during the verification process.

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Automatic Decline Conditions

The following conditions will always result in an automatic decline regardless of application settings:
  • POA_DOCUMENT_NOT_SUPPORTED_FOR_APPLICATION - The submitted document type isn’t accepted
  • EXPIRED_DOCUMENT - The document is older than 90 days from issue date
  • INVALID_DOCUMENT_TYPE - The document is invalid or cannot be processed
  • MISSING_ADDRESS_INFORMATION - No valid address could be extracted from the document

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Configurable Verification Settings

Applications can configure how the system handles various verification issues by setting actions for different risk categories:
  1. Name Mismatch
    • Risks: NAME_MISMATCH_WITH_PROVIDED, NAME_MISMATCH_ID_VERIFICATION, POA_NAME_MISMATCH_BETWEEN_DOCUMENTS
    • Configurable action: Decline, Review, or Approve
  2. Document Issues
    • Risks: POOR_DOCUMENT_QUALITY, DOCUMENT_METADATA_MISMATCH
    • Configurable action: Decline, Review, or Approve
  3. Document Authenticity
    • Risks: SUSPECTED_DOCUMENT_MANIPULATION
    • Configurable action: Decline, Review, or Approve
  4. Language Validation
    • Risks: UNSUPPORTED_DOCUMENT_LANGUAGE
    • Configurable action: Decline, Review, or Approve
  5. Address Discrepancy
    • Risks: ADDRESS_MISMATCH_WITH_PROVIDED
    • Configurable action: Decline, Review, or Approve

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Name Matching Logic

Our system employs a sophisticated name matching algorithm to account for common variations in how names appear on documents:
  • Middle Names and Initials: The system recognizes that middle names or initials may be present on some documents but absent on others.
  • Match Threshold: A minimum matching threshold (typically 90-95%) is used to allow for minor spelling variations or OCR errors.
  • Component Matching: First and last names are matched separately for higher accuracy.
The name matching score is included in the verification report as name_match_score. If this score falls below your configured threshold, the verification may be sent for manual review.

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Proof of Address Warnings

Tag
Description
POOR_DOCUMENT_QUALITY
The document image is of insufficient quality, making text or details difficult to read or verify.
DOCUMENT_METADATA_MISMATCH
The digital signature or metadata of the file indicates potential tampering or inconsistencies.
SUSPECTED_DOCUMENT_MANIPULATION
The system detected signs of potential document manipulation or editing.
EXPIRED_DOCUMENT
The submitted document is older than 90 days from its issue date, which exceeds the acceptable time period for validity.
POA_DOCUMENT_NOT_SUPPORTED_FOR_APPLICATION
The submitted document type is not accepted for proof of address verification.
MISSING_ADDRESS_INFORMATION
The document does not contain complete or clear address information that can be extracted.
NAME_MISMATCH_WITH_PROVIDED
The full name on the document does not match the name from the user’s verified identity documents, or the full name sent by API.
UNABLE_TO_EXTRACT_ISSUE_DATE
The system could not identify or extract a valid issue date from the document.
UNSUPPORTED_DOCUMENT_LANGUAGE
The document is in a language that is not supported by the current configuration of the application.
ADDRESS_MISMATCH_WITH_PROVIDED
The address extracted from the document doesn’t match the address provided during the registration or onboarding process.
ISSUER_NOT_IDENTIFIED
The system could not identify the issuing institution or company of the document.
INVALID_DOCUMENT_TYPE
The document type submitted is not valid or cannot be processed for proof of address.
NAME_MISMATCH_ID_VERIFICATION
The name on the proof of address document does not match the name from the verified identity document.
UNPARSABLE_OR_INVALID_ADDRESS
The address extracted from the document could not be parsed or is considered invalid.
UNABLE_TO_VALIDATE_DOCUMENT_AGE
The system could not reliably determine the age of the document, potentially due to issues with the extracted issue date.
FUTURE_ISSUE_DATE
The issue date found on the document is in the future.
POA_NAME_MISMATCH_BETWEEN_DOCUMENTS
The names extracted from multiple proof of address documents in this session don’t match. The name differs between POA documents, suggesting a potential identity mismatch or data inconsistency.

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Warning Types

Each risk is assigned a warning type based on your application’s configuration settings. Warnings fall into three severity categories: