Non-Doc Address Verification

The most effective solution to global customer residency verification.

Sumsub’s Non-Doc Address Verification solution enables businesses to verify customers’ residency details without requiring physical or digital document uploads, leveraging verified records from a range of reliable data sources.

Our product flow is designed to deliver seamless end user address verification in two possible ways:

Data Enrichment — comprehensive information enrichment by verifying unique personal identifier(s) against authoritative government, banking, and credit sources.
1x1/2x2 Matching — matching identity and address information against one or two of the available sources in the country.

The solution helps regulated organizations meet their AML/CDD compliance requirements, while simultaneously boosting conversion rates up to 97%, reducing processing times to ~4.5 seconds, and effortlessly reaching over 4 billion applicants globally.

Overall, the Non-Doc Address Verification offers a reliable and compliant alternative to traditional, documentary customer data verification methods, all through an effortless end applicants experience.

Use case

Fast customer residency confirmation that ensures a seamless experience through a well-recognized user flow, while adhering to both national and international regulatory requirements.

How Non-Doc Address Verification works

The verification process is typically completed in under 5 seconds, requiring minimal user action; it is simple and streamlined to enhance the customer journey that ensures a high level of identity proofing.

Non-Doc Address Verification flow

Data Enrichment

Step-by-step user verification journey:

Applicant enters their unique personal identifier(s) on the application interface.
System instantly retrieves all personal data and ensures its rightful ownership.
Sumsub additionally cross-checks relevant user information to ensure a complete identity match.
The address verification is successfully completed.

1x1/2x2 Matching

Step-by-step user verification journey:

Applicant enters their identity and address details on the application interface.
System checks the information against all available sources in the country.
Sumsub matches the data against one or two of the sources.
The address verification is successfully completed.

Solution benefits

The Non-Doc Address Verification delivers the following advantages to your business:

Coverage. Reach verified records of over 4 billion customers globally with the use of a single solution.
Compliance. Ensure full compliance with the applicable AML/CDD guidelines for electronic customer identification.
Improved Conversion Rates. Increase your customer conversion and success rates with an effortless, document-free verification experience.
Fraud Prevention. Enhance the onboarding security with advanced data verification and methodology.
Seamless Integration. Easily integrate the solution into your systems through Sumsub's flexible API and SDK frameworks.

Solution availability

The following is a list of Sumsub's Database Products that enable the Non-Doc Address Verification solution globally:

Country: Show all

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Personal identification number (Documento Nacional de Identidad - DNI) Gender Selfie	First name Last name Gender Phone number Email address Date of birth Address Nationality Taxpayer identification number Taxpayer identification number type (CUIL/CUIT) Selfie (Match/No Match)	Government	97%
ENRICHMENT	Personal identification number (Documento Nacional de Identidad - DNI) Date of birth Issue Date Expiry Date Gender First Name Last Name	First Name Last Name DNI number Date of birth Issue Date (Match/No Match) Expiry Date (Match/No Match) Gender (Match/No Match) Address Taxpayer identification number Taxpayer identification number type (CUIL/CUIT)	Government	97%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name City Street Postcode Date of birth (Optional) TIN (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	97%
2x2 MATCHING	First name Last name City Street Postcode Date of birth (Optional) TIN (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	97%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Commercial Consumer	70%
2x2 MATCHING	First name Last name City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Commercial Consumer	70%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	75%
2x2 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	75%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Personal identification number (Cadastro de Pessoas Físicas - CPF)	Complete name Date of birth Gender Address	Government	95%
	Personal identification number (Cadastro de Pessoas Físicas - CPF) Selfie	Complete name Date of birth CPF number status (Regular/Irregular/ Voided/Suspended/ Canceled/Deceased) Gender Address Email address Phone number Selfie (Match/No Match)	Credit Bureau	85%
	Personal identification number (Cadastro de Pessoas Físicas - CPF) Selfie	Complete name CPF number status (Regular/Irregular/ Voided/Suspended/ Canceled/Deceased) Gender Address Email address Phone number Selfie (Match/No Match) Identity document (Match/No Match) Identity document copy Identity document type Identity document number Identity document issue date Identity document expiration date	Credit Bureau	80%
1x1 MATCHING	First name Last name TIN (Cadastro de Pessoas Físicas - CPF) City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Utility	97%
2x2 MATCHING	First name Last name TIN (Cadastro de Pessoas Físicas - CPF) City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Utility	97%

Method	Input data	Output data	Source type	Coverage
Credit file Dual process For more information about Canada methods for electronic identity verification refer to this article.	First name Middle name (Optional) Last name Date of birth Street Building number Apartment number (Optional) City Province Postal code Phone number (Optional) Social insurance number (SIN) (Optional)	First name (Match/Partial Match/No Match) Middle name (Match/Partial Match/No Match) Last name (Match/Partial Match/No Match) Date of birth (Match/No Match) Street (Match/Partial Match/No Match) Building number (Match/No Match) Apartment number (Match/No Match) City (Match/No Match) Province (Match/No Match) Postal code (Match/No Match) Phone number (Match/No Match) Social insurance number (Match/No Match)	Credit	80%
1x1 MATCHING	First name Last name City Phone number Street Postcode State Date of birth (Optional) SIN (Optional) Building number (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Telco Postal	92%
2x2 MATCHING	First name Last name City Phone number Street Postcode State Date of birth (Optional) SIN (Optional) Building number (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Telco	92%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth TIN (Centrale Person Register - CPR) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Consumer	90%
2x2 MATCHING	First name Last name Date of birth TIN (Centrale Person Register - CPR) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Consumer	90%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth TIN (Personal identity code - Henkilötunnus) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Consumer Proprietary	90%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Telco Commercial Consumer	90%
2x2 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Telco Commercial Consumer	90%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Identity document 5-digit and/or 6-digit PIN	Birth name (if available) First name Last name Date of birth Place of birth Document type Nationality (if available) Address Valid until Type Service-specific ID	Government	90%
1x1 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	90%
2x2 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	90%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Personal identification number (Aadhaar) Phone number authentication (OTP) Security PIN Selfie	Complete name Aadhaar number (Masked) Date of birth Gender Address Selfie Selfie (Match/ No Match)	Government	95%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Personal identification number (Nomor Induk Kependudukan - NIK) Full name Date of birth (optional) Phone number Email Selfie	NIK number (Match/No Match) Complete name (Match/No Match) Date of birth Gender Address Selfie (Match/No Match)	Government	95%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth City Street Postcode TIN (Optional) Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Utility	90%
2x2 MATCHING	First name Last name Date of birth City Street Postcode TIN (Optional) Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Utility	90%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Passport number Selfie	Document type Passport number First name Middle name (Optional) Last name Gender Date of birth Address Document issue date Selfie Selfie (Match/No Match)	Government	95% Selfie coverage around 70%
	Passport number Temporary downtime between 1 April 2026 to 20 May 2026.	Found/Not found Passport number First name Last name Middle name (Optional) Gender Date of birth Address Issue date	Government	95%
	Identification number Selfie	Document type Identification number First name Last name Middle name (Optional) Gender Serial number Date of birth Address Nationality Document issue date Occupation (Optional) Selfie Selfie (Match/No Match)	Government	95%
	Identification number	Found/Not found Identification number First name Last name Middle name (Optional) Gender Serial number Date of birth Address Nationality Issue date	Government	95%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Voter code number (Clave de Elector) Credential identification Key number (Número de Clave de Identificación de la Credencial - CIC) Identification number (Código de Reconocimiento Óptico de Caracteres (OCR))	First name Last name Date of birth Address	Aggregated Government Credit Commercial	97%
	Personal identification number (Clave Única de Registro de Población - CURP)	First name Last name Date of birth Address (optional) Gender CURP number status (Active/Inactive)	Aggregated Government Credit Commercial	97%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Complete name Online banking credentials Bank authentication	Bank name Service-specific ID First name initials Last name Address Date of birth Gender Email Phone number	Banking	80%
1x1 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	80%
2x2 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Commercial Consumer	80%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth City Street Postcode TIN (Optional) Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Commercial	70%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Bank verification number (BVN) Selfie	Found/Not found Country First name Middle name (Optional) Last name Gender Phone number Date of birth Address Nationality (Optional) Selfie Selfie (Match/No Match)	Government	92%
	National identification number (NIN) Selfie	Country Found/Not found First name Middle name (Optional) Last name Gender Phone number Email (Optional) Date of birth Address State of birth Occupation (Optional) Country of birth NIN slip copy Selfie Selfie (Match/No Match)	Government	96%
	National identification number (NIN) Selfie	Country Found/Not found First name Middle name (Optional) Last name Gender Phone number Date of birth Address Selfie Selfie (Match/No Match) Nationality	Government	96%
	National identification number (NIN)	Status (Valid/Invalid) First name Middle name (Optional) Last name Gender Phone number Date of birth Address Nationality	Government	96%
	Phone number Selfie or OTP	National identification number (NIN) First name Last name Gender Date of birth Address Selfie Selfie (Match/No Match) Phone number	Government	96%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth TIN (National Identity Number/D-number) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Telco Commercial Consumer	80%
2x2 MATCHING	First name Last name Date of birth TIN (National Identity Number/D-number) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Telco Commercial Consumer	80%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	National ID card number (Documento Nacional de Identidad - DNI)	Complete name Date of birth Gender Address	Government	96%
ENRICHMENT	National ID card number (Documento Nacional de Identidad - DNI)	Complete name Tax identification number (Registro Único del Contribuyente - RUC) Taxpayer type Taxpayer status Tax condition Economic activity	Government	96%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name TIN (PESEL) City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Commercial	95%
2x2 MATCHING	First name Last name TIN (PESEL) City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Commercial	95%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Commercial Consumer	70%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	South African ID number (SAID)	SAID number (Match/No Match) Country SAID number Document type First name Last name Gender Phone number (Optional) Email (Optional) Date of birth Address Address (Found/Not found)	Credit	67%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth City Street Postcode TIN (Optional) Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Telco Commercial	90%
2x2 MATCHING	First name Last name Date of birth City Street Postcode TIN (Optional) Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Telco Commercial	90%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name Date of birth TIN (Personnummer) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Consumer	90%
2x2 MATCHING	First name Last name Date of birth TIN (Personnummer) City Street Postcode Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Consumer	90%

Method	Input data	Output data	Source type	Coverage
1x1 MATCHING	First name Last name City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Telco Commercial Consumer	90%
2x2 MATCHING	First name Last name City Street Postcode Phone number (Optional) Date of birth (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Credit Telco Commercial Consumer	90%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	Online banking credentials Bank authentication	Complete name Date of birth Address Phone number (Optional) Email (Optional) Source type Source name	Banking	97%
1x1 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) Flat number (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Postal	90%
2x2 MATCHING	First name Last name Date of birth City Street Postcode Phone number (Optional) Building number (Optional) Flat number (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Government Credit Telco Postal	90%

Method	Input data	Output data	Source type	Coverage
ENRICHMENT	First name Last name Social Security Number (SSN) Date of birth	First name Middle name Last name Phone number Email address Date of birth Address Address history Associated email addresses (Optional) Person is deceased (Yes/No)	Aggregated Banking Credit Government Postal Telco Utility	92%
	Social security number (Complete or last 4 digits) - (Recommended) Phone number Date of Birth (Optional) Phone number authentication (OTP) - (Optional)	First name Middle name (Optional) Last name Email address Phone number Date of birth Address Address history Associated email addresses (Optional) Name aliases (Optional) SSN Person is deceased (Yes/No) SMS OTP (Optional)	Aggregated Banking Commercial Court Credit Government Postal Telco Utility	92%
	First name Last name Social security Number (SSN) Date of birth	First name Middle name Last name Email address Phone number Date of birth Address Address history Associated phone numbers (Optional) Name aliases (Optional) SSN Person is deceased (Yes/No) (Optional)	Aggregated Banking Commercial Court Credit Government Postal Telco Utility	96%
1x1 MATCHING	First name Last name Date of birth City Street Postcode TIN (Optional) Phone number (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Telco Postal Commercial Proprietary	95%
2x2 MATCHING	First name Last name Phone number Date of birth City Street Postcode TIN (Optional) Building number (Optional) State (Optional)	User identity (Full Match/Partial Match/No Match) Data categories (Full Match/Partial Match/No Match) Data attributes (Full Match/No Match/No Data)	Aggregated Telco Postal Commercial Proprietary	95%

👍
Tip
Within 1x1/2x2 Matching, the Building number field is optional, as it can be provided either separately or together with the street name in the Street field.

📘
Note
Sumsub currently supports two data verification methods: Enrichment and 1x1/2x2 Matching. You can customize these on the go based on the country, population coverage, and regulatory requirements.

To get started with Enrichment, reach out to your Customer Success Manager or Support team.

To get started with 1x1/2x2 Matching, follow the instructions provided in this article. Read more about the decision-making logic behind these methods in this article.

Get started with Non-Doc Address Verification

Verify user addresses without documents

Start using Non-Document Address Verification today.

Handle verification results

Monitor verification results to enable automatic responses in your integration.

Verification methodology

1x1

2x2

Discover how 1x1/2x2 Matching rules ensure data accuracy in the Non-Doc Address Verification solution.

Ensure business compliance using Non-Doc Address Verification

Explore the regulatory compliance assessment of our Non-Doc Address Verification solution conducted for over 35 markets.

Explore alternative methods for Address Verification

PoA through geolocation

Learn how to leverage geolocation technology for quick and accurate address validation.

PoA through document submission

Learn how to implement the document-based approach for PoA verification by requiring users to submit official documents to confirm their residential address.

Updated 1 day ago

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