Verify ID documents
Learn how to effectively verify customers.
Start ID verification with the default settings or configure individual verification to meet your particular business needs:
- Set up ID verification settings to meet your business specifics and set proof of identity check settings to specify conditions upon which documents should be considered expired.
- Specify required ID documents to determine which documents of which countries must be accepted as proof of identity (PoI).
- Configure ongoing document monitoring to ensure your applicants submit active documents.
- Select name comparison mode to compare the name that applicants enter manually with the name in their documents.
- Configure AML screening criteria to determine types of compromising published information and cases when you want to be notified if your applicants are found in sanctions lists and watchlists across the globe.
- Conduct verification and create personalized flows in Workflow builder.
Set up ID verification settings
To set up ID verification settings:
- In the Dashboard, open the ID verification page.
- Set age restrictions. Mind that onboarding minors may be prohibited by the laws or regulations applicable to your company. If you set the minimum age below 18, make sure to consult with your legal team before changing the age limit. When setting the age limits, you accept the responsibility for the legal implications of this choice.
- Select the Accept the birth date with the year only checkbox to accept just the year as the date of birth.
- Define how you want to treat account duplicates:
- Allow duplicates — allows creation and verification of applicants with similar names, birthdates, and emails.
- Consider all new similar applicants as duplicates — automatically rejects duplicates of applicant accounts and considers only the first account as a valid one. Example: The applicant gets temporarily rejected by ongoing ID monitoring and instead of uploading a new ID, the applicant creates a new account and passes verification from scratch. Because of that, the applicant may have two working accounts. In such cases, by having this setting enabled, only the first account will be considered valid.
- Allow different source keys duplicates — allows creation and verification of applicants with similar names, birthdates, phone numbers, and emails, if they come from different sources.
- Forbid duplicates from the key group — forbids creation and verification of applicants with similar names, birthdates, phone numbers, and emails coming from all source keys associated with a specific client.
- Respect blocklist hits only from the key group — forbids creation and verification of the applicants that belong to all blocklists associated with a specific client and their source keys.
- Don’t use email for duplicate search — allows creation and verification of the applicants with similar emails.
- Don’t use phone number for duplicate searches — allows creation and verification of the applicants with similar phone numbers.
- Configure ID document expiry settings. You can select whether to respect the validity period or to accept expired documents under certain conditions:
- Respect the actual validity period — rejects expired documents.
- Accept expired documents extended by the government — accepts expired documents if their validity period was extended by a government regulation or decree, for example, documents extended because of COVID.
- Accept expired documents permissible by local regulations — accepts expired documents if their usage is allowed by local regulations. For example, in Brazil, it is allowed to accept expired driving licenses as proof of identity.
- Set the minimum residual validity of ID documents. You can select to accept all valid documents or set the minimum period:
- Accept ID documents while they are valid — accepts all valid documents regardless of their remaining validity period.
- Accept ID documents that are valid for at least X months — sets the minimum period (in months), the documents must remain valid to be accepted.
- Adjust proof of identity document types if needed.
- Save your changes.
Select name comparison mode
Configure comparison mode to be used when comparing applicant names:
- In the Dashboard, open the Data comparison page.
- Set up address comparison mode.
- Set up name comparison mode. If you select Fuzzy, set up the fuzzy threshold.
- Choose whether you want to ignore middle name mismatches or not.
- Save your changes.
Verify your applicants
Start verifying your applicants:
- Create a verification level.
- Add Identity document as your required verification step. You can also add Selfie as a second step to ensure your applicants submit documents that belong to them and not someone else.
- Choose document types to be uploaded by your applicants.
- Select a capture method, which can be either a file upload or live capture. We recommend leaving the capture method blank so that applicants will have the option to upload documents using both methods.
- Set up WebSDK and MobileSDK integration or use the Sumsub API.
- Conduct verification and handle verification results.
Did you know?
With the WebSDK 2.0, you can use both the Non-Doc Verification and the Identity document verification in the same step. For more information, see this article.
Create robust flows in Workflow builder
Use Workflow Builder to set up a process of ID verification.
Let's say you want to accept documents coming from a particular country:
- Add a level node referring to your verification level.
- Add a conditional node and set the review decision as Approved.
- Build your condition as follows:
IF Field: poi.country
->equals
->Value: <Country name>
. - Proceed with setting up all the branches of your flow and publish it when done.
Updated 2 months ago