Stop document fraud without slowing onboarding
Fintech applicants submit edited bank statements, fabricated payslips and forged proof of address to clear KYC in seconds. VerifyPDF flags every tampered PDF in under 5 seconds, so you onboard genuine customers fast and catch the fraud your manual review misses.
The cost of undetected document fraud in digital banking
Rise in synthetic identity document fraud in the US in Q1 2025 (Sumsub)
Digital banking verification attempts that are fraudulent in 2025 (Veriff)
Of banks lost clients to slow KYC onboarding, up 19% year-over-year (Fenergo)
To verify a document vs minutes of manual review per application
Fast onboarding is your growth engine and your biggest fraud gap
Neobanks and fintechs win on speed: open an account in minutes, no branch, no paperwork. That same speed leaves a single analyst seconds to eyeball a PDF bank statement or payslip. Modern forgeries are invisible to the human eye, and generative AI has made them cheap to produce at scale.
Edited bank statements
An applicant downloads a real statement from online banking, opens it in Adobe Acrobat Pro and inflates the balance or adds salary deposits that never happened. The fonts match, the layout is perfect and the metadata looks clean. Your onboarding flow approves it in seconds.
Fabricated payslips and proof of income
Income is inflated or invented to clear an account tier, a credit line or a lending product. A convincing payslip takes minutes to build in any design tool, and template farms sell ready-made layouts for major employers and payroll providers.
Forged proof of address and AI-generated documents
Utility bills and bank letters are altered to pass address checks, while generative AI now produces synthetic identity documents at scale. Sumsub recorded a 300% jump in synthetic identity document fraud in the US in early 2025.
Real cases, real consequences
Why European fintechs switched to automated checks
A fintech onboarding team in Berlin processes hundreds of new account applications a day, each with a bank statement, proof of address and income document, and minutes to verify each one. Manual review, once the standard, became a liability that slowed growth and let sophisticated fraud through. Automated document verification is now how European fintechs onboard fast without opening the door to forgeries.
Read the full case studyDORA and document verification for financial services
The Digital Operational Resilience Act took full effect on 17 January 2025, setting uniform digital-risk requirements across EU banks, payment institutions, e-money firms, investment firms and crypto-asset service providers. Automated document verification gives fintechs the auditable, resilient controls DORA expects, with a clear evidence trail for every decision.
Read the full case studyHow VerifyPDF protects fintechs and neobanks
Add a document forensics layer to your KYC and onboarding flow. Every PDF is analyzed in under 5 seconds, with detailed forensic evidence when a document has been tampered with, so genuine customers clear fast and forgeries get caught.
Metadata analysis
Detect traces of PDF editors, creation timestamps that do not match the issuer and software signatures that reveal manipulation, so a statement edited the night before submission is flagged before the account goes live.
Content layer forensics
Identify direct text modifications, font inconsistencies and layered edits, catching the changed balance, the added deposit or the inflated salary figure a fast onboarding review will always miss.
Issuer and format verification
Match documents against known bank and template formats to confirm a statement, payslip or letter came from its claimed source, so a convincing forgery cannot pass as a genuine document during KYC.
API and MCP for agents
Connect VerifyPDF to your onboarding and KYC stack via our REST API, or let AI onboarding agents verify documents directly through our MCP server at mcp.verifypdf.com. Every document is checked automatically, with no extra friction for the customer or your team.
Fits into your existing onboarding flow
Applicant uploads documents
Bank statements, payslips and proof of address are submitted during account opening or a KYC refresh.
VerifyPDF analyzes each document
Every PDF is checked for manipulation, metadata inconsistencies and issuer verification in under 5 seconds.
Get a clear verdict
Each document receives a Trusted, Low Risk or High Risk rating with detailed evidence of any detected modifications.
Onboard with confidence
Genuine customers clear instantly while flagged documents are routed for review, with a clean audit trail for your compliance team and regulators.
Stop guessing. Know in 5 seconds.
Upload a PDF. In under 5 seconds, VerifyPDF tells you if it's genuine or forged, with detailed evidence of every modification. Try it free for 15 days, no credit card needed.
Trusted
This document is identical to others from this issuer