Prefill > KYC + Fraud + Watchlist > DocV Step up

Prefill > KYC + Fraud + Watchlist > DocV Step up allows you to verify consumer identities, reduce friction through automated data entry, and screen for high-risk entities through a single integration. By combining device intelligence with global compliance databases, you can confidently onboard users while meeting strict regulatory requirements.

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Integration Paths

RiskOS™ offers two primary ways to integrate Prefill > KYC + Fraud + Watchlist > DocV Step up. Both paths utilize the same underlying engine, logic, and risk signals; the difference lies solely in the user interface implementation.

Solution comparison

Use this matrix to determine the best technical fit for your product requirements.

1. Hosted Flow

The "Fastest to Market" Path.

Use the RiskOS™ Dashboard to design your branding and verification logic. Your application generates a session and redirects the user to a Socure-hosted environment. This path handles the entire journey—including SMS OTP and PII entry—within a pre-built UI.

• Best for: Teams who want a turnkey onboarding experience with minimal frontend development.

2. API integration only

The "Seamless Brand" Path.

A backend-to-backend integration where you collect PII on your own custom forms. This path allows you to maintain total control over your sign-up experience while RiskOS™ handles the background screening logic and device risk via API.

• Best for: Teams who want to keep users entirely within their own application ecosystem for the duration of the onboarding flow.

The Capture App

When Document Verification is triggered, RiskOS™ returns the information required to launch the Capture App, a secure experience that guides users through:

• Scanning a government-issued ID
• Taking a biometric selfie
• Completing liveness verification

For web applications, initialize the DocV Web SDK to embed the capture experience directly in your application.

For native mobile applications, launch the Capture App using the provided URL and redirect the user back to your app upon completion.

Regardless of platform, RiskOS™ completes processing asynchronously and delivers the final onboarding decision via webhook once verification is finished.

Global Capabilities

• Global Identity Coverage: Verify identities and authenticate government-issued IDs from 190+ countries.
• Real-time Watchlists: Instant screening against global sanctions (OFAC, UN, HMT), PEP databases, and adverse media.
• Step-up Authentication: Automatically trigger Predictive Document Verification (DocV) only when high-risk indicators are detected.
• Comprehensive Decisioning: Receive clear ACCEPT, REJECT, or REVIEW signals backed by granular risk scores.