Build a verification waterfall with no gaps.

When an applicant can't or won't connect their payroll provider, Truv lets them upload paystubs, W-2s, 1099s, or 1040s through a white-labeled flow. AI automatically extracts the income data, runs the document through fraud detection trained on 113M+ verified pay stubs, and returns structured income data alongside a risk assessment in seconds. The process is 100% automated, with no manual document review or human in the loop, so verifications complete in the same applicant session.

Truv accepts the document types lenders, screeners, and underwriters typically request, including recent paystubs, W-2s, 1099s, and 1040 tax returns, as PDFs, PNGs, JPGs, or phone screenshots. OCR and AI handle low-quality scans and photos taken in poor lighting. You can configure required document types and minimum counts per applicant, so screeners might require two recent paystubs while an auto or consumer lender requires a paystub plus a W-2.

Truv's fraud detection engine, trained on 113M+ verified pay stubs, catches forged and altered documents at a 99.9% detection rate. It inspects PDF metadata for manipulation tool fingerprints, matches uploads against a library of known fraud templates, detects pay stub generator artifacts and browser-printed PDFs, and cross-checks gross pay, deductions, and YTD totals for mathematical consistency. Identity fields like SSN and name are cross-referenced across documents and against the application, which is critical for catching the synthetic pay stubs driving rental and consumer lending fraud.

A verification waterfall routes each applicant through the best available method automatically: direct payroll connections first for instant source data, falling back to document upload when a payroll match isn't possible. The result is near-complete coverage: applicants who can't or won't connect a payroll account stay in the funnel, and you still receive verified income with built-in fraud protection rather than reverting to manual phone-and-fax verification. Document upload works alongside income verification and bank income verification in the same waterfall.

Customers see a 10-15%+ conversion uplift after adding Truv Docs as a fallback to payroll-connected verification. The lift captures applicants who would otherwise abandon: those whose employers can't be matched, those without login credentials handy, or those who simply prefer to upload documents. Higher pull-through means more approved tenants, more funded auto and consumer loans, and lower acquisition cost per completed application.

When Truv detects that a field on an uploaded document has been altered, the system flags it to you and restores affected fields to their validated value rather than rejecting the document outright or notifying the applicant. The corrected document and the underlying evidence return to your review, so analysts can confirm and clear the case quickly instead of starting a manual fraud investigation from scratch. The result is automated risk reduction without exception-queue backlog.

Yes. Truv's document-based income verification is FCRA compliant and SOC 2 Type II certified, with AES-256 encryption in transit and at rest. Document uploads are consumer-permissioned, with disclosure and consent built into the Truv Bridge flow. The same compliance posture covers both payroll-connected verification and the document fallback, so combining them in a waterfall doesn't introduce additional regulatory or audit overhead for tenant screeners, BGCs, or lenders.