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Verify PoA documents

Learn how to effectively verify the proof of address.

Start address verification with the default settings or configure verification parameters to meet your particular business needs:

  1. Configure PoA verification settings.
  2. Conduct verification and create personalized flows in Workflow builder.

Set up PoA verification settings

When setting up address verification settings, you can:

  • Determine which documents of which countries must be accepted as a proof of identity (PoI).
  • Specify conditions upon which documents should be considered expired.
  • Select whether to accept ID documents as proof of address documents and use the same documents both as the proof of identity and proof of address.
  • Define how to accept PO box addresses.

To configure PoA verification parameters:

  1. In the Dashboard, open the Proof of Address page.
  2. Create presets with individual settings for each country or for a group of countries.

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 top-right, click Add new preset.
  2. Name your preset by clicking the pencil icon next to the default preset name.
  3. Complete the preset settings that will be applied to all countries by default.
  4. At the bottom, click Add countries custom settings if you want to configure individual settings for certain countries.
  5. Select the required countries. Mind that at least one country must be selected to save the preset.
  6. Complete preset settings for the selected countries.
  7. Repeat steps 4-6 to add as many country groups and settings as you need.
  8. Save your changes.

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

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

Accept ID documents as proof of address

Enable 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

Enable 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 then, from the associated drop-down list, select specific 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.

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.

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).

Verify your applicants

Start verifying your applicants:

  1. Set up a verification level.
    1. Add and configure the identity verification step.
    2. Add the Proof of address step and select the fields from which to extract the data.
    3. Select a preset.
  2. Set up WebSDK or MobileSDK integration or use the Sumsub API.
  3. Conduct verification and handle verification results.

Create robust flows in Workflow builder

Sumsub provides the option to create a custom verification logic to keep verification simple.

The example below is a demonstration of an automated verification processes that can streamline the work of your compliance officers.

For example, you want to flag applicants from the risky regions with a specific tag:

  1. Start using Workflow builder.
  2. Select a verification level that will be associated with PoA verification.
  3. Proceed to the Condition node and leave the review decision blank, as the rejection or approval will not be based on the PoA country.
  4. Select the fields to be checked. As you want to tag the applicants from high-risk countries, you should set your condition as follows: IF Field: applicant.country -> is in -> Field: clientLists.risk_countries. If you have not created any client lists yet, you can add the countries manually by selecting them from the drop-down list.
  5. Select Action as the next step.
  6. Select Applicant Tags and choose a tag. For example, High-risk.
  7. Proceed with setting up all the branches of your flow and publish it when done.

Updated 5 days ago