Secondary Document Capture

What is Secondary Document Capture?

Secondary Document Capture provides a secure, flexible way to collect non-ID documents from consumers as part of verification, compliance, or risk operations. These documents can include utility bills, bank statements, tax forms, pay stubs, lease agreements, or other documents used to validate a consumer’s identity, address, or financial standing.

Using the Capture App, consumers are guided through a secure flow to capture images of their secondary documents. Submitted documents can be reviewed in the RiskOS™ Dashboard or retrieved programmatically via a GET request to the /api/evaluation/{eval_id}/documents endpoint.

How it works

• Guided capture flow: Consumers upload or photograph secondary documents using the Capture App or SDKs.
• Secure transmission: Images are captured within a trusted environment and transmitted securely.
• Flexible retrieval: Documents can be reviewed in the Admin Dashboard or retrieved using the Image Request API.
• Workflow integration: Secondary documents can be combined with other steps in RiskOS™ workflows for verification, compliance, or fraud analysis.
• Global coverage: Available in 180+ countries worldwide.

Accepted document types

Secondary Document Capture accepts a wide range of non-ID documents. Document types are configured per flow in the RiskOS™ Dashboard using free-form text labels, which are displayed to the consumer in the Capture App during collection.

The following table lists commonly used document types:

Note: This list is not exhaustive. You can define custom document type labels in the RiskOS™ Dashboard to match your verification requirements. The label you configure is the text the consumer sees in the Capture App.

Accepted file formats

Consumer flow

The following diagram shows the screens a consumer sees after they are routed into the Secondary Document Capture flow through the Capture App:

flowchart LR
    A["Splash Screen"] --> B["Terms & Consent"]
    B --> C{"Upload method"}
    C -->|"Upload file"| D["File Upload"]
    C -->|"Use camera"| E["Camera Capture"]
    D --> F["Document Preview"]
    E --> F
    F -->|"Retry"| C
    F -->|"Submit"| G["Confirmation Screen"]

1. Splash Screen — The first screen the consumer sees when redirected to the Capture App.
2. Terms & Consent — A mandatory notice and consent screen. This screen can't be removed, customized, or disabled.
3. Upload method — The consumer selects how to submit the document:
   • Upload file — Manual file upload from the device's storage.
   • Use camera — Capture a photo of the document using the device's camera.
4. Document Preview — The consumer reviews the uploaded or captured image and confirms it is correct, or retries the upload.
5. Confirmation Screen — Confirms the system submitted the document successfully.

For screenshots of each screen, see Capture App flow examples.

What you can do with Secondary Document Capture

• Collect proof of address such as utility bills, lease agreements, or bank statements.
• Meet KYC/AML compliance by requesting tax documents, income proof, or other required materials.
• Support financial applications with pay stubs, account statements, and supporting evidence.
• Investigate fraud cases by reviewing additional documentation tied to suspicious activity.
• Add tiered verification by requesting secondary documentation for high-risk users or transactions.

Unique features

• Wide range of document types: Collect utility bills, bank statements, tax forms, pay stubs, and more.
• Secure capture and transmission: Documents are captured within the secure Capture App environment.
• Flexible access options: Review documents in the Admin Dashboard or retrieve them via the Image Request API.
• Seamless consumer experience: Guided flows reduce friction and improve first-time success rates.

Integration options

Integrate with the Predictive Document Verification SDKs to embed the Capture App into your mobile application, then verify a consumer’s identity by calling the Evaluation endpoint.

The Capture App provides a guided, mobile-optimized workflow for capturing IDs, selfies, and supporting documents.

iOS SDK

Integrate the iOS SDK into your native mobile application.

Android SDK

Integrate the Android SDK into your native mobile application.

React Native

Cross-platform bridge built on the iOS and Android SDKs.

Web SDK

Launch Capture App flows from desktop or mobile browsers.

Next steps