{"id":36387,"date":"2026-11-06T15:57:27","date_gmt":"2026-11-06T15:57:27","guid":{"rendered":"https:\/\/www.complycube.com\/?p=36387"},"modified":"2026-11-06T13:44:54","modified_gmt":"2026-11-06T13:44:54","slug":"document-verification-api","status":"publish","type":"post","link":"https:\/\/www.complycube.com\/zh\/document-verification-api\/","title":{"rendered":"How to Use a Document Verification API"},"content":{"rendered":"
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TL;DR: <\/strong>An API allows different software systems to communicate<\/strong>. An identity document verification API is a core component of automated onboarding. Integration requires more than submitting a document to get a result. This guide shows regulated businesses how to use a document check API to verify identities, detect fraud, and support Know Your Customer (KYC)<\/strong>.<\/p>\n<\/div>\n\n\n

Why Identity Verification Is More Complex in 2026<\/h2>\n\n\n\n

Synthetic identity fraud costs US lenders almost $6 billion annually. Accurate identity verification can be challenging as criminals exploit stolen personal details, fraudulent documents, and Artificial Intelligence (AI) to pretend to be a real customer. It is important for regulated businesses to address these risks while keeping onboarding accessible. The best approach needs reliable identity evidence, strong fraud controls, and clear protocols for unresolved cases.\u00a0<\/p>\n\n\n\n

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Back in April 2026, the UK’s Solicitors Regulation Authority (SRA) issued a warning that AI is being used to bypass identity checks. Moreover, intelligence from the National Economic Crime Centre found that manipulated documents and deepfakes are being used to deceive liveness detection systems at scale. The SRA described the situation as AI being:<\/p>\n\n\n\n

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a current threat, not a theoretical one.<\/p>\n<\/blockquote>\n\n\n\n

The size of the problem is especially important because during account opening, criminals are more likely to steal information or create synthetic identities to obtain financial products. That is why for many regulated businesses, Customer Due Diligence (CDD) involves establishing customer identities and assessing relevant risks. A document verification API and most identity verification APIs can automate part of this process, but businesses stay responsible for deciding if the evidence actually meets their requirements. <\/p>\n\n\n\n

What Is a Document Verification API?<\/h2>\n\n\n\n

A document verification<\/a> API links an onboarding application with an automated ID document verification service. A document check API allows businesses to submit government-issued identity documents across various industries such as banking, fintech, and healthcare globally.<\/p>\n\n\n\n

Strong document verification APIs can handle large volumes of requests, processing over 5 billion customer identities. Additionally, machine learning is often utilized in document verification to detect suspicious patterns. It also allows teams to request authenticity checks to flag tampered or expired credentials and receive structured findings.\u00a0<\/p>\n\n\n\n

ID verification software helps reduce repetitive manual processing. Automated document verification improves onboarding speed and efficiency, with 95% of verification results delivered in under 10 seconds. It also enables organizations to keep control over customer verification and risk decisions. A great example would be if a customer is opening an account with a digital bank.\u00a0<\/p>\n\n\n\n

Typically, the customer has to submit a passport through the bank’s application and verification process. Then, this sends the document to a verification service. So, how does an ID verification API work? Usually, the process consists of six stages:<\/p>\n\n\n\n