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Proof of Address Warnings and Errors

Our Proof of Address verification process includes a series of automated checks to ensure the quality and validity of submitted documents. This page outlines the potential warnings and errors you might encounter during the verification process.

Automatic Decline Conditions

The following conditions will always result in an automatic decline regardless of application settings:

POA_DOCUMENT_NOT_SUPPORTED_FOR_APPLICATION - The submitted document type isn't accepted
EXPIRED_DOCUMENT - The document is older than 90 days from issue date
INVALID_DOCUMENT_TYPE - The document is invalid or cannot be processed
MISSING_ADDRESS_INFORMATION - No valid address could be extracted from the document

Configurable Verification Settings

Applications can configure how the system handles various verification issues by setting actions for different risk categories:

Name Mismatch
- Risks: NAME_MISMATCH_WITH_PROVIDED
- Configurable action: Decline, Review, or Approve
Document Issues
- Risks: POOR_DOCUMENT_QUALITY, DOCUMENT_METADATA_MISMATCH
- Configurable action: Decline, Review, or Approve
Document Authenticity
- Risks: SUSPECTED_DOCUMENT_MANIPULATION
- Configurable action: Decline, Review, or Approve
Language Validation
- Risks: UNSUPPORTED_DOCUMENT_LANGUAGE
- Configurable action: Decline, Review, or Approve
Address Discrepancy
- Risks: ADDRESS_MISMATCH_WITH_PROVIDED
- Configurable action: Decline, Review, or Approve

Name Matching Logic

Our system employs a sophisticated name matching algorithm to account for common variations in how names appear on documents:

Middle Names and Initials: The system recognizes that middle names or initials may be present on some documents but absent on others.
Match Threshold: A minimum matching threshold (typically 90-95%) is used to allow for minor spelling variations or OCR errors.
Component Matching: First and last names are matched separately for higher accuracy.

The name matching score is included in the verification report as name_match_score. If this score falls below your configured threshold, the verification may be sent for manual review.

Proof of Address Warnings

Tag	Description
`POOR_DOCUMENT_QUALITY`	The document image is of insufficient quality, making text or details difficult to read or verify.
`DOCUMENT_METADATA_MISMATCH`	The digital signature or metadata of the file indicates potential tampering or inconsistencies.
`SUSPECTED_DOCUMENT_MANIPULATION`	The system detected signs of potential document manipulation or editing.
`EXPIRED_DOCUMENT`	The submitted document is older than 90 days from its issue date, which exceeds the acceptable time period for validity.
`POA_DOCUMENT_NOT_SUPPORTED_FOR_APPLICATION`	The submitted document type is not accepted for proof of address verification.
`MISSING_ADDRESS_INFORMATION`	The document does not contain complete or clear address information that can be extracted.
`NAME_MISMATCH_WITH_PROVIDED`	The full name on the document does not match the name from the user's verified identity documents, or the full name sent by API.
`UNABLE_TO_EXTRACT_ISSUE_DATE`	The system could not identify or extract a valid issue date from the document.
`UNSUPPORTED_DOCUMENT_LANGUAGE`	The document is in a language that is not supported by the current configuration of the application.
`ADDRESS_MISMATCH_WITH_PROVIDED`	The address extracted from the document doesn't match the address provided during the registration or onboarding process.
`ISSUER_NOT_IDENTIFIED`	The system could not identify the issuing institution or company of the document.

Warning Types

Each risk is assigned a warning type based on your application's configuration settings. Warnings fall into three severity categories:

Type	Description
ERROR	Critical issues that resulted in setting the session to `Declined`
WARNING	Issues that require attention that resulted in setting the session to `In Review`
INFORMATION	Informational messages that don't affect verification outcome

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