IDVID Verifier
Verifies the person in front of you.
StopsForged documents, photos and masks, someone else's document.
ID Verifier
ApproveReject
Live captureDocument
Document authenticity
ApproveReject
Liveness
ApproveRejectFace match
ApproveRejectStop more fraud.
Every verification connects to a network of dealers, and real customers keep moving.
Auto finance fraud comes in many forms. IDV alone isn't enough to stop them all.
Identity fraud
Someone else's identity.
A stolen, borrowed or altered ID. IDV is built to stop it.
Synthetic identity
A real face on a synthetic identity.
Real and invented details on one ID. The face matches, so IDV approves.
First-party fraud
The buyer is real. The deal is not.
Their own ID, with an inflated income or no plan to pay. IDV approves.
IDV alone won't stop the chargebacks.
The deal gets funded. Then the fraud comes back to you.
Illustration: one deal on a timeline. At the desk, the ID Verifier approves Thomas Reed, every check passed. On June 14, the lender funds the deal: $61,480.00. The payments due in July, August and September are missed, and the account goes to fraud review. On October 20, the same lender's chargeback notice: identity fraud, $61,480.00 due.
At the desk
Basic IDV approves it. The box is checked.
Funded
The lender funds the deal, and the car leaves the lot.
Months later
The payments never come. Thomas Reed does not exist.
The chargeback
Your dealer agreement sends it back. You pay out the loan.
You need IDV, plus the power of a network.
The solution is IDV Plus.
Your lender asks for the IDV. The Plus is for you.
PlusPaays Insights
Looks beyond the deal in front of you.
Looks intoOne person, two identities
Paays Insights
All clearHigh risk
Paays Watchlist
ClearPending reviewClearBiometric consistency
ClearPending reviewHigh riskSame face used across multiple identities
Recommended action
Request income verification as a secondary proof that this identity is real.
Application activity
ClearClearDevice location
ClearClear
IDV Plus
One result on every deal: the person, the network, and the next step.
Thomas Reed
68cb0f3a2d4e91b7c5a6f012CreatedThu, 17 Sep 2026 14:32:07
ID VerifierPaays Insights
ID Verifier
Approve
Live capture
Document
Liveness
ApproveFace match
ApproveDocument authenticity
ApprovePaays Insights
High risk
Biometric consistency
High riskHigh risk
Same face used across multiple identities
Recommended action
Proceed with caution and request supplementary documentation.
Request income verification as a secondary proof that this identity is real.
When the deal calls for more
Income Verifier
A second proof the identity is real: income and employment, confirmed at the source.
See Income VerifierAML Check
Sanctions, politically exposed persons and adverse media, with the audit trail FINTRAC calls for.
See AML Check
ExportWhere it runs
In your flow, at your moment
Send the link by text message or show a QR code to scan, at any step. The customer verifies on their own phone.
What dealers save with Paays
IDV Plus pays for itself on the first catch.
Return
$200,000SUV held before delivery
- 66 yearsOf IDV Plus at one store, in that one SUV
- 20+Dealerships Sarah Budd has recommended Paays to
- 1Vehicle kept from being registered to an identity-theft victim
Products used
- ID Verifier
1 / 3Read all stories
For lenders
The signal arrives before the money moves.
When dealer-channel fraud is funded, the loss lands on your book. Cross-dealer signals reach you through a direct connection to Paays, before the credit pull and before funding.
Common questions
IDV Plus includes identity verification (document authentication, liveness, face match, with FINTRAC-compliant KYC records) and Paays Insights: context from across the Paays dealer network, shown beside each result. RouteOne integration is included.
The buyer opens a Paays link or QR code on their own phone, photographs their licence, takes a selfie, and is done. No app, no account. Nothing extra is collected for Paays Insights.
Paays runs wherever you choose: a QR code on the showroom floor, a link at the sales desk, remote before the visit, or at the F&I desk.
Paays runs from a link or QR code alongside your existing process. RouteOne integration is included with IDV Plus, and other integrations are available.
A Paays Insight is context from across the Paays dealer network, shown beside the identity result: the same person appearing under different identities at other dealerships, a match to a confirmed fraud case, unusual application activity, or a device location that does not fit the deal. An Insight does not change the identity result. It gives your team a reason to look closer before proceeding.
First-party fraud is fraud committed by the real buyer, on their own identity: an inflated income, a car bought for someone else, or financing with no plan to pay. Identity verification passes it, because the person is who they say they are. IDV Plus shows your team what the Paays network has seen, such as repeated applications across dealerships, and Income Verifier confirms income through the buyer's bank or payroll.
Paays is SOC 2 Type II audited. SOC 2 is an independent audit of the controls a service company uses to protect its customers' data.
Book a demo. We walk one application through identity verification alone and through Paays, show what your team receives, and agree where it fits in your process. You do not need to be using identity verification today.
See what identity verification alone can miss.
A 20-minute call, focused on your operation.
Flexible schedulingPick a time that works for you and your team.
Focused on what matters to youWe show what is relevant to your store and skip the rest.
Questions?Write to us directly at info@paays.com
See Paays in action
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