Fintech

Document OCR API for fintech onboarding

Prepare identity data for financial applications with less manual transcription.

IdScanly turns supported passport, ID-card and driver license images into structured fields for your onboarding system. Use the results to prefill application forms, compare document details with customer declarations and prepare records for your existing identity and risk checks.

Test your document flow Discuss fintech API access

Original illustration of the document workflow for Fintech

Illustrative integration

Synthetic data. A possible integration, not a ready-made connector or a live product screen.

Declared details

NameA. Example

Draft record

Extracted fields

NameAlex Example

DocumentDEMO-0001

Needs review

A. ExampleAlex Example

Needs review

Make the document step more useful to your application

A customer applying for a payment account or financial product may enter their name, date of birth and document details, then submit a document showing much of the same information. Your operations team still needs a usable record and a clear way to resolve differences.

A fintech document OCR API converts that image into data your software can work with. Instead of leaving important information inside an attachment, your application can display extracted values, compare them with declared details and direct uncertain fields to review.

This gives product and operations teams a more consistent starting point for the next stage of onboarding. Your financial product retains control of the application, required checks and account-opening decision.

Apply OCR across the customer lifecycle

Payment accounts and digital wallets

Populate the identity section of an application from a supported document. Let the applicant confirm the proposed details and show relevant differences to your review team before the application moves forward.

Lending and other financial product applications

Prepare document-derived identity fields for your application record. Your separate systems can then handle income evidence, affordability assessment, identity proofing and the checks required for that product.

Customer document updates

When a customer provides a renewed passport or replacement ID, extract the new document number and validity dates into a proposed update. Keep the previous approved record until your workflow completes the required review.

Operations-assisted onboarding

Give staff a structured view of document information alongside the application. Field-level review helps the team focus on unclear values and discrepancies instead of re-entering every readable detail.

Identity fields for applicant comparison

Available output depends on the document, country, version and image quality. Commonly useful fields include:

Field group	How your fintech application can use it
Names and name components	Prefill the identity section and compare it with the customer’s declaration
Date of birth	Identify differences that need confirmation or review
Document type and number	Prepare the document reference within the application
Issuing country and available issue details	Supply document context to your configured workflow
Issue and expiry dates	Provide inputs to your document-validity policy
Supported MRZ information	Add machine-readable document data and available checksum validation results

Preserve meaningful differences. For example, a different date of birth should remain visible to the reviewer instead of being hidden by automatic overwriting.

A practical financial onboarding workflow

Start the application. Capture the customer’s declared information and explain the document step in your interface.
Collect the document images. Create an IdScanly session for the document and upload the required sides. Add clearer retakes to the same session when needed.
Map the extracted fields. Retrieve results and compare the document data with the relevant application fields.
Resolve uncertainty. Use confidence information and supported capture feedback to identify fields needing another image or human review.
Continue your checks. Pass the necessary approved data into your identity, risk and compliance workflow before any account or product decision.

Your application should distinguish a technical extraction status from a customer’s onboarding status. A successfully read document means data is available for the next step.

Improve the document experience on mobile

Customers may upload a phone photo with glare, blur or a missing edge. IdScanly’s supported capture feedback can help your interface request a useful correction instead of displaying an unexplained failure.

Front, back and retakes of the same document can be processed within one session. Partial fields can become available during processing, and the final result combines the available evidence into structured output.

This lets your product team design a clearer document journey while keeping the review requirements of the financial application explicit.

Keep your identity and risk stack under your control

IdScanly is the document-data extraction component in your architecture. Document authenticity assessment, holder verification, liveness, sanctions screening and other KYC or AML controls require separate capabilities.

OCR confidence describes the reading of information from an image. An MRZ checksum provides a consistency check on encoded data. Neither result independently establishes that the document is genuine or that it belongs to the applicant.

Your backend manages the handoff between these components, the minimum fields each receives and the final review state.

Integrate and evaluate with your actual document mix

Call the REST API from your backend, keep credentials server-side and map the results to your internal application schema. Test the countries and document versions you expect to accept, including difficult names, date formats and incomplete images.

For larger workloads, discuss dedicated-server options, expected processing volumes and support requirements with IdScanly. Capacity and service terms should be agreed for your use case.

Read the API documentation

Fintech document OCR FAQ

Is IdScanly a complete KYC or AML platform?

No. It extracts identity-document data for your workflow. Identity proofing, screening, financial-risk controls and regulatory decisions require separate systems and processes.

Can we compare the result with customer-entered details?

Yes. Your integration can compare extracted fields with declared information and route meaningful differences to confirmation or review.

Can we use it when a customer renews their passport?

Yes. Process the replacement document and prepare the updated fields for review. Your application controls when the customer record is changed.

Does a readable expiry date approve the document?

No. Your own policy determines how the date, document type and other evidence affect the application. Extraction supplies the date as an input.

Can IdScanly work with our existing verification provider?

You can use its OCR output within a workflow that also calls other services. Your backend implements each provider connection and determines the data exchanged between them.

How should applicant data be handled?

Limit access to necessary teams, keep document payloads out of general application logs and define your retention rules. Review IdScanly’s current privacy and processing terms, including temporary data used for processing and result retrieval.

Start with the documents your customers use

Evaluate field-level results against your expected application documents. Share your product flow, supported countries and integration requirements to discuss API access.

Test your document flowDiscuss fintech API access

For the technical extraction workflow, see document OCR for KYC and customer onboarding.