Account opening
Collect the proof of address regulators require alongside the ID, in the same session.
Non-ID Document Validation
Verify proof-of-address documents
Capture or upload utility bills, bank statements, and other supporting documents, with the address read into clean, structured fields.
0B+
identity checks processed on the Incode platform
0
structured fields extracted from every proof-of-address document
Image + PDF
formats accepted, captured with any camera or uploaded as a file
The problem
Address verification is stuck in manual review
Proof-of-address documents arrive as phone photos of paper bills and bank-statement PDFs. Layouts change with every country, issuer, and document type, capture quality varies, and manual transcription is slow and error-prone — friction that shows up as drop-off.
0%
of consumers abandoned a digital onboarding process in 2022
Signicat, 2022
0+
distinct proof-of-address layouts to read — every issuer and country formats documents differently
Incode, 2026
How it works
Four steps from paper to structured data
A guided module inside your verification flow: the user hands over the document, the module reads it, and the data lands in the same session as the identity check.
Pair it with Deepsight for Documents
Need to know the document is genuine? Add Deepsight
Non-ID Document Validation collects the document and reads its data. When the question is whether that document is real, Deepsight for Documents adds AI forgery detection to the same document layer — catching the forged bills and statements that manual review misses.
Its AI forgery detection identifies documents created or altered by generative tools through visual artifacts, font inconsistencies, and layout anomalies invisible to the human eye.
0x
more fraud caught than document-based checks alone
0x
growth in AI-generated document fraud over two years
0%
of synthetic document fraud caught
Use cases
Where supporting documents enter the flow
Lending and income
Collect pay stubs and bank statements in the same flow as the identity check.
Business onboarding
Collect the registration and operating documents behind a business account.
Ongoing compliance
Re-collect an up-to-date proof of address when regulation or risk demands it.
FAQ
Frequently asked questions
The questions buyers ask most about Non-ID Document Validation, answered straight.
Still have questions? Talk to an expertWhat is non-ID document validation?
It is the collection and reading of supporting documents that are not identity documents: proof of address such as utility bills, bank statements, and telecom agreements, plus income and business documents. Users photograph or upload the document, and AI-powered OCR extracts its data as structured fields attached to the verification session.
Which documents can be captured?
More than 100 proof-of-address document types are supported, including utility bills, bank statements, and telecom agreements. The module also captures other supporting documents — pay stubs, voided checks, letters of authorization, business records — with the processing configurable per document type.
Can users upload a file instead of taking a photo?
Yes. The module accepts both camera capture and file upload, in image or PDF format, and can be configured as capture-only, upload-only, or both — whatever fits the channel and the audience.
Does it handle multi-page or two-sided documents?
Yes. The module can request the second side of a document or additional pages, each configurable as mandatory or optional, so multi-page bank statements and two-sided documents come through complete.
How is the data on the document extracted?
AI-powered OCR built for real-world captures, not flatbed scans. With processing enabled, it reads the document and returns structured fields — document type, full name, address, and dates — ready for your systems to consume.
Does it work together with identity verification?
Yes. It runs as a module inside the same verification flow, so the document and its extracted data land in the same session as the identity check — one flow for the user, one record for you.
From the blog
Featured reading
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Incode and Interac Join Forces to Provide Superior Identity Verification in Canada
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Stop Accepting “Good Enough” Identity Verification
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