What is Proof of Address?

Proof of Address (POA), also known as proof of residence, is required by businesses as a security measure to gather information on user's home address.

POA is required in fintech industry. It is a most widely required feature in banking, payments and gambling segments, however, is also used in crypto and investing.

What documents are supported?

  • United States and European documents are the main focus. Though all latin script based documents are processed on best effort basis

All uploaded documents are classified as one of the following document types:

  • Bank statements, payslips, tax forms, invoices, utility bills, checks, financial statements, or business filings. At Veriff we do not capture images of SSN cards, thus they are not accepted for POA sessions. (Veriff does extract address from ID cards, Passports, drivers licenses and residence permits as part of IDV session.)

  • When it's not possible to classify a document as one of the above, the document type is recorded as 'Unknown'. A document's classification is returned in the API output under the key document_type.

What data is returned to you?

  • Document Confidence - a measure of likelihood that the document was not tampered with. It exists on a scale from 0 to 100, where fraudulent documents will receive a low score and legitimate documents will receive a high score. We recommend treating anything <50 as potentially fraudulent, 50<>70 as needing a closer look and >70 as likely not fraudulent.

  • Document type - one of the recognised document types or “unknown” if type is not recognised

  • Name - Name listed on POA document

  • Confidence level of name extraction - likelihood of name extraction being correct

  • Name matching vendor sent name (optional, if data exists) - true/false response on POA document name matching name included at session creation. Not a mandatory field, but recommended as it increases extraction confidence

    • Non-exact matches are allowed when performing name verification. This includes handling variability in the ordering of the name parts, whether characters are accented or not, and allowing for variations caused by OCR errors — https://help.inscribe.ai/en/articles/3971876-verification

  • Address - address listed on POA document

  • Confidence level of address extraction - likelihood of address extraction being correct

  • Date of issue - date at which POA document was issued. Depending on document type and country in some cases date of issue can be extracted as last date of validity period or last date of the month

    • Date format is normalised to unified standard on Veriff side.


How can you access data?

Media

  • via /media endpoint

Extracted data

  • via specific webhook

  • via api endpoint

Please view our POA API Reference and POA Webhook guidance for further details on implementation - and reach out to us should you have any further questions!

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