Physical Proof of Address
Product overview
Physical Proof of Address helps prevent fraud and detect potential inconsistencies that may indicate elevated risk.
The client provides a photo or file of an official document stating their address. We verify that the address on the document matches the home address they submitted. The verified address is then included in the CDD Report.
The Proof of Address flow displays all supported document types by default, but you can configure it to show only those required for a specific country.
Physical Proof of Address workflow - Netherlands use case
Country requirements
Physical Proof of Address is mandatory in France. See Identity Verification solutions for country-specific solutions and module requirements.
Document types and validity
Clients can submit various types of documents to verify their address. Each document type has its own rules for validity, based on issue date, format, and local regulatory requirements.
Note
Validity criteria may vary by document type and are subject to change depending on country-specific regulations or operational needs.
| Document type | Examples | Validity criteria |
|---|---|---|
| Utility bill | Electricity, water, gas, phone bills | Last 90 days |
| Tax invoice | Any document that confirms the prospect's home address as used in their tax filings | Previous fiscal year or last 12 months |
| Proof of housing | Rent invoices or receipts, rental contracts, house insurance or social housing benefit documents | Last 90 days (invoices), last 12 months (insurance), others vary |
| Benefit statement | Official document that outlines the details of social benefits a person receives from a government or institution | Last 12 months |
| Bank statement | Official document issued by a bank that summarizes the activity on a person’s or company’s account | Last 90 days |
| Government letter | Letters from tax authorities, or other government organization | Last 90 days |
| Other official document | Typically, government letters or documents can be identified by their official letterhead, logo, and sender information | Varies |
Verification checks
After submission of an official document stating the client’s address (for example, a utility bill or bank statement), Fourthline verifies:
- Document type and subtype
- Issue date
- Validity period, based on document type
- Client’s full name
Note
You can configure your workflow to display the client’s home address in the results.
Fourthline then performs the following verification checks to confirm authenticity and data consistency:
| Check | Description |
|---|---|
| Self-capture | The client either took a photo of the official document themselves or uploaded a screenshot of it from the gallery or photo roll of the device being used. |
| Required data | The official document clearly states the client's name, home address, the date, and the service provider, e.g. water provider. |
| Address match | The home address provided by the client matches the address on the official document. |
| Name match | The client's name on the official document matches their identity document. |
More information
For the complete list of supported countries and territories and all checks we perform, request our CDD Policy from your Fourthline delivery manager.
The list of prohibited countries may change over time, e.g. depending on European sanctions.
Next steps
Learn how to combine our Location products in your Identity Verification solution.
Updated 6 days ago