Customize supported address documents

Configure PoA verification settings and create PoA presets.

When adjusting supported address documents and settings, you can:

  • Select the document types you want to accept.
  • Select supported issuing countries and document languages.
  • Specify conditions upon which selected document types should be considered expired.
  • Select whether to accept ID documents as proof of address and use the same documents as proof of identity and proof of address.
  • Define how to accept PO boxes and business addresses.
  • Allow or forbid uploading documents with multiple pages, and many more.

Create PoA preset

A preset allows you to create a set of specified document types that you are willing to accept as a proof of address, and establish the minimum validity period for any of them.

To create a new preset:

  1. In the Dashboard, open the Proof of Address page.
  2. In the top-right, click Create PoA preset.
  3. Name your preset by clicking the pencil icon next to the default preset name.
  4. Complete the preset settings and crosscheck settings that will be applied to all countries by default.
  5. At the top, click Custom country configuration if you want to configure individual settings for certain countries.
  6. Click Add country configuration and select the required countries. Mind that at least one country must be selected to save the preset.
  7. Complete preset settings for the selected countries.
  8. Repeat steps 6-7 to add as many country groups and settings as you need.
  9. Click Create preset when done.

Configure preset settings

The following table explains the settings available for Proof of Address presets.

Setting

Description

Accept PO Box addresses

From the drop-down list, select how to accept PO box addresses:

  • Accept — to accept all addresses with PO boxes.
  • Accept Exceptions only — to accept addresses with PO boxes only in a certain list of countries, where it is normal to have PO boxes in a residential address.
  • Reject — to reject all addresses with PO boxes.

Accept a business address

Select this checkbox if you want to accept documents with corporate addresses.

Reject POA due to country mismatch with POI

Select this checkbox to reject PoA documents issued by a country different from the country in the PoI document.

Accepted languages

From the drop-down list, select in what languages PoA documents will be supported. When checking PoA, the system detects the language of a document and accepts only those that have been selected. The PoA documents in other languages will be declined.

Accept PoA documents with multiple pages

Select this checkbox to let applicants download PoA documents that contain more than one page.

Accept ID documents as proof of address

Select this checkbox if you want to accept ID documents as PoA documents.

Specify Document validity — how old (in months) ID documents must be from the issue date to be accepted:

  • If a document is older than the specified value, it will be rejected.
  • If the value is set to 0, the document expiration date will be considered.
  • If the value is other than 0, the document issue date will be considered.

Accept the same documents in the POI and PoA steps

Select this checkbox if you want to accept the same documents uploaded both in the Proof of Identity and Proof of Address verification steps.

Document validity

Specify how old (in months) PoA documents must be from the issue date to be accepted. If a document is older than the specified value, it will be rejected. Mind that 1 month is a minimum value that can be set. The Document validity parameter is individually available for each document type.

Document types

Enable toggles for document categories that you want to accept as PoA and from the associated drop-down list, select the document types:

  • Government organization — documents that are issued by government organizations or bodies to show proof of residence. For example, tax bills, voter registrations.
  • Utility provider — documents that show the receipt and payment of utility and maintenance bills in your home of residence. For example, telecom or utility bills.
  • Bank — documents issued by banks. For example, bank statements or letters.
  • Mobile operator — statements and bills that are issued by mobile operators which show receipt and payment of phone bills.
  • Other — alternative documents not specified in the categories above, such as rental company bills, lease agreements, employer statements, and so on.

Select the Accept Unconventional providers checkbox to accept PoA documents from organizations like neobanks.

Consider only the document issue date

Select this checkbox to consider only the PoA document issue date and disregard its expiration date.

Add countries custom settings

Opens an independent section to configure individual Proof of Address preset settings for a single country or a group of countries.

Configure crosscheck settings

The following table explains the settings available for Proof of Address crosschecks.

Setting

Description

Address comparison mode

Compares the address that an applicant enters manually with the address in their documents.

Name comparison mode

Compares the name that an applicant enters manually with the name in their documents:

  • Default — allows a wide range of spelling.
  • Containment — compares the most similar name parts separately.
  • Fuzzy containment — allows greater flexibility in spelling and the rearrangement of given and family names.
  • Fuzzy — sets spelling variations at your choice:
    • 0 — accept a complete mismatch.
    • 0.75 — accept mismatch in 1 out of 5 symbols.
    • 1 — accept an exact match only.
  • Weak containment — a flexible name matching that converts names to lower case and removes spaces for broader matches.
  • Strict — exact name matching.

Ignore middle name mismatches

Switches off middle name comparison.

Ignore provided personal info

Switches off comparison of the PoA document data against the provided personal info.

Set document types

The following table explains the subtypes of document categories that you want to accept as a proof of address.

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Attention

Specifying document subtypes is available upon request. Contact our sales team or reach out to your account manager.

Document type

PoA document subtypes

Government organization

Documents issued by government organizations:

  • Statement — letter or notification from government agencies (correspondence from government authority on the receival of benefits such as pension, unemployment benefits, housing benefits, and so on).
  • Voter registration — tax assessment.
  • Tax bill — to reject all addresses with PO boxes.
  • Other — can be temporary registration sheets, arrival sheets, certificates of state registration of rights, certificates of family composition issued at the State Services, affidavits, vehicle registration certificates.

Utility provider

Documents that are issued by utility companies:

  • Utility bill — can be bills for electricity, water supply, heating, gas, sewerage, household waste disposal, house/elevator maintenance, and so on.
  • Telecom — can be home phone, internet, TV bills (but not for satellite TV and other wireless services).
  • Other — other documents that show the receipt and payment of utility and maintenance bills in the home of residence.

Bank

Documents that are issued by banks:

  • Bank statement — a statement that itemizes economic activity recorded in the user account over a specified period of time.
  • Bank letter — bank correspondence.
  • Other — other bank documents that contain the applicant address, for example, mortgage payment, passbook and so on.

Mobile operator

Statements and bills for mobile communications (disabled by default).

Other

Documents that are not specified in the categories above, for example:

  • Documents from the employer confirming the address (signed and stamped, preferably on official company letterhead).
  • Rent bills from real estate agencies that provide renting services.
  • Lease agreements (active, signed by the landlord and the user).