Document Processing

Truv Document Processing lets you accept documents directly from users when a live payroll connection isn’t possible. Truv’s AI automatically splits, classifies, and extracts data from uploaded files, delivering the same structured output as a direct payroll connection. For banking and fintech, document upload supports account opening workflows, income verification for credit decisions, and identity verification when direct connections aren’t available.

Benefits

Structured Data

Extract income, employment, and tax data from documents

Multiple Formats

Paystubs, W-2s, 1099s, bank statements, and more

Validation

Automatic document type and readability checks

Bridge Fallback

Seamless fallback when payroll connection unavailable

Banking use cases

Account Opening

Verify income and employment as part of new account onboarding

Credit Decisions

Accept pay stubs and tax returns when payroll connection isn’t available for income-based lending

Identity Verification

Extract and validate identity documents (driver’s license, passport) alongside income documents

Fallback for DDS/PLL

When a user can’t connect via payroll for deposit switching, verify employment through documents

Supported document types

Income & employment documents

Document	Type Code
Pay stubs	`PAYSTUB`
W-2s	`W2`
1099s	`F1099`
1040 tax returns	`F1040`

Additional document types

Document	Type Code
Bank statements	`BANK_STATEMENT`
Driver’s licenses	`DRIVER_LICENSE`
Passports	`PASSPORT`
Green cards	`GREEN_CARD`
Utility bills	`UTILITY_BILL`

How it works

Create a document collection: Initialize a container for the user’s documents. Upload one or more files (Base64-encoded PDFs or images) in the same request, or add files incrementally.
Truv validates and classifies: Truv validates each file and classifies document types using AI. Fraud detection checks every document against 50M+ verified pay stubs.
Finalize the collection: Trigger processing for the full collection or selectively finalize specific documents. Truv generates Links with structured income and employment data.
Retrieve verified data: When the processing Task completes (task-status-updated webhook with status: done), fetch the report. Same format as a live payroll connection.

API reference

Document Collections

Upload and process documents via the Collections API

Document Collections

Manage document collections

Parsed Documents

Retrieve parsed data

Next steps