“If your lenders are already pointing you in this direction, it’s worth getting ahead of it now.” — Upasna Sandhu, Group Director of Finance

As our remote deals started to increase, we could see where things were heading—fraud risk was going to follow.

What made the decision easier was that two of our key lenders recommended Paays. That gave us a lot of confidence right away. We weren’t guessing—we were aligning with what our lenders already trust.

Before this, we were relying on manual checks and instinct.

“‘It looks fine’ isn’t good enough anymore.”

We needed something more consistent—something that removes the grey area and holds up when it matters.

Where it fits—and how the team adapted

Right now, we’re using ID verification at the finance stage, just before sending contracts to the lender. It’s a natural checkpoint, and I can see us moving it earlier in the process over time.

At the start, there were a few eye rolls—like there always are when you introduce a new step.

“People assume it’s going to slow them down—but it doesn’t.”

Once the team saw how fast and simple it is, that hesitation disappeared. Now, it’s just part of the workflow.

A big part of that smooth adoption was the support behind it.

“The customer service is amazing. It’s quick, which is exactly what we need.”

In this business, timing matters. Having a team that responds quickly made it easy for everyone to get comfortable early—and it’s something that really stands out compared to other vendors we’ve worked with.

Advice to other dealers

Don’t wait until fraud becomes a problem.

“Fraudsters are really shrewd—they’ll find the gap if it’s there.”

If your lenders are already pointing you in this direction, it’s a pretty clear signal. Getting ahead of it now just makes sense.