Insights
Learn how to identify risks and understand signals from verification checks.
Stripe Identity’s AI model considers a variety of signals when verifying a user’s identity. It examines a number of factors to produce insights that can give further clarity into Stripe’s decision. These insights are more nuanced than the top-level verification decisions, and you can use them to assist with manual reviews or customer support processes.
See the following definitions:
- Insights : The name Stripe uses to refer to the collection of all insights.
- Insight : The specific attribute scored (for example, blur, authenticity). It’s of either type Level or Label .
- Level : These insights provide a computed level, which is a score that translates to low, elevated, or high. Insights of this type evaluate the potential risk to verification.
- Label : These insights provide a binary value of being either present or absent. Some of these insights evaluate a potential risk to verification, but others might be neutral, with no inherent risk associated with them.
- Blocking : This indicates that verifications with a risk level classified as “high” for this insight are rejected as “unverified”.
Document insights
These are the insights produced on document checks:
| Name | Type | Description | Blocking |
|---|---|---|---|
| Activity on Stripe network | Label | Indicates whether the identity presented fails to match a Stripe-known good identity. While it’s common for an identity to be unknown, it does represent a slightly higher risk than a known identity. | No |
| Barcode or machine-readable zone | Level | Indicates if the machine-readable zone or barcode is present and decoded, but was manipulated. | No |
| Document authenticity | Level | Indicates whether the document presented might have been digitally manipulated or is otherwise inauthentic. | Yes |
| Fraud | Level | This comprehensive score evaluates various signals related to document verification, including signals from Stripe Network data. | Yes |
| Image blurriness | Level | Indicates the severity of the blurriness of the document image presented during the verification process. | No |
| Physical document detection | Level | Indicates whether the document presented is a screenshot of a document. | Yes |
| Risky behavior on the Stripe network | Label | Indicates whether the identity presented matches a Stripe-known identity with a history of high risk activity (for example, name, date of birth, or address is associated with risky activity at Stripe). | Yes |
Selfie insights
These are the insights produced on selfie checks:
| Name | Type | Description | Blocking |
|---|---|---|---|
| Duplicate selfie | Label | Indicates whether the selfie presented matches a selfie from a previous identity verification. | No |
| Duplicate selfie with a data mismatch | Label | Indicates that the selfie presented matches a selfie from a previous identity verification, but the extracted document data from each doesn’t match. | Yes * |
| Selfie and document match | Level | Indicates whether the selfie isn’t a high confidence match with the face on the document. | Yes |
| Selfie liveness | Level | Indicates that the selfie presented might not have been a live person in front of the camera, such as a photograph or screen presentation attack. | Yes |
- If Synthetic identity protection is enabled on your account, then the “Duplicate selfie with a data mismatch” insight is blocking.
Dashboard usage
The Dashboard page for a submitted VerificationSession contains a panel showing the insights generated for this session.