Document verification is an optional feature that allows applicants to upload paystubs or bank statements only when standard verification cannot be completed.
This feature must be explicitly enabled and is never the default. If you would like to enable this functionality, please reach out to customer success representative.
When document verification occurs
Applicants will only be prompted to upload documents when:
They attempted standard income verification
They were unable to connect a bank or payroll provider
Support confirmed no connection could be completed
If an applicant successfully connects at least one bank or payroll provider, document upload is not offered.
Applicant experience (high-level)
When document verification is enabled:
Applicants are prompted to upload documents after support guidance
They may upload up to 4 documents
Once uploaded, verification is completed
If document verification is not enabled:
The applicant completes the process without uploading documents
You may follow up directly for next steps
Document parsing and extraction
When applicants upload pay stubs or bank statements, Payscore extracts income information from those documents and includes it in the income calculations used in the verification report.
This allows document-based income to:
Contribute to total and household income calculations
Be evaluated against your configured income criteria
Be reflected in the final qualification outcome
Document parsing is only applied to supported document types, such as pay stubs and bank statements.
Documents which are flagged as high risk will not be parsed and no income from these documents will appear on the report. The document will still be appended for the customer to manually review.
Offer letters are reviewed differently and do not contribute income values.
What appears in the report
If documents are uploaded, the final report will include:
A summary of uploaded documents
A risk indicator for each document
Income data and calculations derive from the uploaded documents
The uploaded documents appended at the end of the report
Applicants do not receive a copy of this portion of the report.
Fraud risk assessment (high-level)
Uploaded documents are analyzed using automated fraud detection.
Each document is assigned a risk category:
Low
Needs Review
High
These indicators help you determine whether documents can be accepted automatically or require manual review.
Important notes
Document verification must be explicitly enabled
Maximum of 4 documents per applicant
Available for eligible workflows only