The Proof of Address Document Verification check helps verify the authenticity of business proof of address documents and validates the physical business address. This guide explains how to run the check, what data to provide, and how to interpret the results.

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Check ID

kyb.proof_of_address_verification

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Overview

The check analyzes various aspects of proof of address documents:
  • Document authenticity and validity
  • Business name verification
  • Physical address validation
  • Document type verification
  • Document date validation

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How the Check Works

  1. Document Analysis
    • Extracts key information from proof of address documents
    • Validates document structure and format
    • Verifies document type is acceptable
    • Checks document authenticity
  2. Information Verification
    • Cross-references extracted data with self-attested information
    • Validates business name matches
    • Confirms physical address (no P.O. Boxes)
    • Verifies document dates are within validity period
  3. Address Validation
    • Verifies address is a physical location
    • Validates address components
    • Confirms address is not a P.O. Box or registered agent address
    • Checks address matches self-attested information

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Document Requirements

The following information must be present in the proof of address documents for it to be considered valid:

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Bank Statement

  • Name and address of the account holder
  • Bank name and logo
  • Account number
  • Transaction details
  • Period of statement

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VAT Invoice

  • Name and address of the business
  • VAT number
  • Invoice number
  • Period of billing
  • Amount details

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Utility Bill

  • Name and address of the account holder
  • Service provider’s name and logo
  • Account number
  • Billing period

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Tenancy/Lease Agreement

  • Name of the tenant or lessee
  • Address of the rented property
  • Landlord’s name and contact details
  • Rental period
  • Lease end date (must be in the future)

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Tax Document

  • Name and address of the taxpayer
  • Tax authority’s name and logo

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Mortgage Statement

  • Name and logo of the mortgage provider
  • Name and address of the account holder
  • Mortgage details

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Credit Card Statement

  • Name and address of the account holder
  • Credit card provider’s name and logo
  • Account number
  • Transaction details
  • Period of statement

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Insurance Policy

  • Name and address of the account holder
  • Insurance provider’s name and logo
  • Account number
  • Period of insurance

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Driver License

  • Name and address of the account holder
  • Document number
  • Issuing authority
  • Expiry date

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Check Configuration

The check can be configured with the following parameters:
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validity_period
integer
default:"90"
Number of days within which the proof of address document should be valid.
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verify_self_attested_address
boolean
default:"true"
Whether to verify that the address in the document matches the self-attested address.
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include_associated_individuals
boolean
default:"false"
Whether to include associated individuals in the verification (e.g. for LLCs, or for a sole proprietor).
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enable_visual_verification
boolean
default:"true"
Whether to enable visual verification of documents.
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enable_fraud_check
boolean
default:"true"
Whether to enable document fraud detection.
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accepted_documents
array
List of accepted document types. Available options:
  • “Bank statement”
  • “VAT invoice”
  • “Utility bill”
  • “Tenancy agreement”
  • “Tax document”
  • “Mortgage statement”
  • “Credit card statement”
  • “Insurance policy”
  • “Lease agreement”
  • “Driver License”
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po_box_is_allowed
boolean
default:"false"
Whether P.O. Box addresses are allowed as valid proof of address.
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residential_is_allowed
boolean
default:"false"
Whether residential addresses are allowed as valid proof of address.
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registered_agent_address_is_allowed
boolean
default:"false"
Whether registered agent addresses (e.g., Delaware registered agent address) are allowed as valid proof of address.

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Example Configuration

{
  "validity_period": 90,
  "verify_self_attested_address": true,
  "include_associated_individuals": false,
  "enable_visual_verification": true,
  "enable_fraud_check": true,
  "accepted_documents": [
    "Bank statement",
    "VAT invoice",
    "Utility bill",
    "Tenancy agreement",
    "Tax document",
    "Mortgage statement",
    "Credit card statement",
    "Insurance policy",
    "Lease agreement"
  ],
  "po_box_is_allowed": false,
  "residential_is_allowed": false,
  "registered_agent_address_is_allowed": false
}

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Running the Check

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API Endpoint

POST https://api.parcha.ai/runCheck

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Example Request

curl -X POST 'https://api.parcha.ai/runCheck' \
-H 'Authorization: Bearer YOUR_API_KEY' \
-H 'Content-Type: application/json' \
-d '{
  "agent_key": "public-bdd",
  "check_id": "kyb.proof_of_address_verification",
  "payload": {
    "id": "poa-check-001",
    "self_attested_data": {
      "business_name": "Acme Corp, Inc.",
      "address_of_operation": {
        "street_1": "251 Little Falls Drive",
        "city": "Wilmington",
        "state": "Delaware",
        "postal_code": "19808",
        "country_code": "US"
      },
      "proof_of_address_documents": [
        {
          "url": "https://storage.googleapis.com/parcha-ai-public-assets/acme_bank_statement.pdf",
          "type": "Document",
          "file_name": "acme_bank_statement.pdf",
          "source_type": "gcs"
        }
      ]
    }
  },
  "check_args": {
    "validity_period": 90,
    "include_associated_individuals": false,
    "verify_self_attested_address": true,
    "accepted_documents": [
      "Bank statement",
      "VAT invoice",
      "Utility bill",
      "Tenancy agreement",
      "Tax document",
      "Mortgage statement",
      "Credit card statement",
      "Insurance policy",
      "Lease agreement"
    ],
    "enable_visual_verification": true,
    "enable_fraud_check": true
  },
  "webhook_url": "https://your-webhook.com/check-updates"
}'

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Example Response

{
  "id": "check-12345-abcde",
  "status": "PENDING",
  "created_at": "2024-03-15T15:30:00Z",
  "updated_at": "2024-03-15T15:30:00Z",
  "agent_id": "public-bdd",
  "input_payload": {
    "agent_key": "public-bdd",
    "check_id": "kyb.proof_of_address_verification",
    "payload": {
      "id": "poa-check-001",
      "self_attested_data": {
        "business_name": "Acme Corp, Inc.",
        "address_of_operation": {
          "street_1": "251 Little Falls Drive",
          "city": "Wilmington",
          "state": "Delaware",
          "postal_code": "19808",
          "country_code": "US"
        },
        "proof_of_address_documents": [
          {
            "url": "https://storage.googleapis.com/parcha-ai-public-assets/acme_bank_statement.pdf",
            "type": "Document",
            "file_name": "acme_bank_statement.pdf",
            "source_type": "gcs"
          }
        ]
      }
    },
    "check_args": {
      "validity_period": 90,
      "include_associated_individuals": false,
      "verify_self_attested_address": true,
      "accepted_documents": [
        "Bank statement",
        "VAT invoice",
        "Utility bill",
        "Tenancy agreement",
        "Tax document",
        "Mortgage statement",
        "Credit card statement",
        "Insurance policy",
        "Lease agreement"
      ],
      "enable_visual_verification": true,
      "enable_fraud_check": true
    },
    "webhook_url": "https://your-webhook.com/check-updates"
  }
}

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Check Results

The check returns a detailed analysis of the proof of address documents and verification results. For full details of the response structure, see the Proof of Address Document Verification Result documentation.