ExportDashboard
Every result, in one place.
One recommendation, the quick checks and every detail behind them, for everyone on your team. Export it or push it to RouteOne from the result screen.
IDV Plus
Stop the fraud that passes an identity check.
Every IDV Plus verification checks the document, the person and the face, then reads the result against the Paays dealer network. Here is every piece, and what your team sees from each.
Inside IDV Plus
Every piece, and what your team sees.
ID Verifier
Is this person who they say they are?
- Document authenticity
A real document, in date, never altered.
The customer photographs their driver's licence, passport or another government photo ID. ID Verifier checks it against its own template and security features, compares the barcode with the printed text, and makes sure a physical document was captured, not a screen or a photocopy.
- Tampering check
- Hologram visible
- Expiry date check
- Barcode and text comparison
- Physical document captured
- Accepted documents
- Driver's licence, passport, provincial photo ID card, permanent resident card, health card, NEXUS card or Secure Certificate of Indian Status.
- Your team sees
- Approve or Reject on the document, with every sub-check behind it.
- Liveness
A live person, on their own phone.
A live selfie proves someone real is holding the phone. A photo, a video or a mask held up to the camera does not pass.
- Live selfie check
- Selfie integrity
- Face detected
- Your team sees
- The live capture beside the document photo.
- Face match
The person on the phone is the person on the card.
The live capture is compared with the photo on the document. A genuine licence in someone else's hands fails here, and a specialist reviews the match when it needs a human eye.
- Face match
- Manual face review
- Age consistency
- Your team sees
- Approve or Reject on the face match, both faces side by side.
Paays Insights
Has the network seen this person before?
- Biometric consistency
One person, two identities.
One name at one dealership, another at the next. Both identity checks pass. Paays Insights shows your team the same face under more than one identity, and a Paays analyst confirms every match before it is shown.
- Your team sees
- Same face used across multiple identities.
- Next step
- Proceed with caution and request supplementary documentation, or income verification as a second proof that the identity is real.
- Application activity
Several dealerships in days.
A car financed at one dealership, then another, within days. Every identity check passes. Your team sees the same document and details applying across the network, the pattern behind application shotgunning and bust-out fraud.
- Your team sees
- Repeated applications across dealerships.
- Next step
- Ask about the other applications before you submit the deal.
- Device location
A phone on another continent.
A remote verification. The customer says they are in town; the phone is outside Canada, far from your dealership. The identity check passes. Your team sees a location that does not fit the deal.
- Your team sees
- Where the phone was, against where your dealership is.
- Next step
- Meet the customer in person, or verify again at the desk.
- Paays Watchlist
Already confirmed as fraud.
Refused and confirmed as fraud at two dealerships. At yours, the identity check passes. Every verification is screened against confirmed fraud on the Paays network, and a Paays analyst confirms every match before it is shown.
- Your team sees
- Match found, on the Paays Watchlist.
- Next step
- Review the deal with your team before anything is signed.
Insights are advisory. They inform your next step, and the identity result never changes.
Where 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.
At the desk
From your dashboard to the lender.
Every verification lands in your dashboard, typically within two minutes of the customer finishing. From there it becomes a one-page report for the lender, and goes straight into RouteOne or Inovatec.
PDF report
A one-page report for the lender.
Export the verification as a single page: the recommendation, the document, the three checks and your dealership, ready for the deal jacket or the lender's funding file.
RouteOne
Straight into the deal jacket.
Push the result to RouteOne: a new deal jacket filled from the verified licence, or the result added to the one your DMS already created. When the details differ, your team decides what to update.
Inovatec
Connected to Inovatec LOS.
Connect Inovatec LOS with a Paays API key and a webhook: Inovatec starts verifications through the Paays API, and Paays sends every result back to it.
See what IDV Plus shows your team on a real deal.
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
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