Configuration Parameters

The Proof of Address (PoA) verification service validates user-submitted address documents, such as utility bills, bank statements, and government letters, through OCR extraction, structured address parsing, and optional address authenticity verification.

The following parameters allow you to customize the verification behavior according to your compliance and business requirements.

Parameter Overview

Parameter	Type	Required	Default
addressSplitVerify	Enum (SPLIT_AND_VERIFY | SPLIT_ONLY)	Optional	SPLIT_AND_VERIFY
allowIdDocumentAsPoa	Boolean	Optional	false
issueDayWindowMonths	Integer (3 | 4 | 5 | 6)	Optional	3

Parameter Details

addressSplitVerify

Type: Enum (SPLIT_AND_VERIFY | SPLIT_ONLY)

Determines how the system processes the address after OCR extraction from the submitted document.

SPLIT_AND_VERIFY

• Splits the extracted address into structured components
• Verifies whether the address physically exists
• Returns validAddress = true upon successful verification
• Includes enhanced parsing capabilities for non-standard address formats, such as:
  • missing postal codes
  • informal building names

This mode is designed to maximize verification pass rates while ensuring address authenticity.

SPLIT_ONLY

• Splits the extracted address into structured components
• Standardizes the extracted address
• Does not perform address authenticity verification
• Does not return validAddress

This mode provides faster response times and is suitable when standardized address output is sufficient.

allowIdDocumentAsPoa

Type: Boolean

Controls whether identity documents — specifically Passport, ID Card, and Driving License — are accepted as valid proof of address material.

When enabled:

• Identity documents are accepted as valid PoA submissions
• The system automatically identifies the document type
• If the uploaded file is recognized as an identity document, it is accepted
• The issueDayWindowMonths validity check is skipped for identity documents, since they typically have longer validity periods

When disabled:

• Identity documents are not accepted as proof of address
• If the uploaded file is identified as an identity document, the system immediately returns an error and ends the verification process

issueDayWindowMonths

Type: Integer (3 | 4 | 5 | 6)

Defines the maximum age, in months, of the document issue date for the document to remain valid.

The system adds the configured number of months to the issue date printed on the document to calculate an expiry date. If the current date exceeds the calculated expiry date, the document is rejected with a DOCUMENT_EXPIRED error.

For example:

• 3 means only documents issued within the last 3 months are accepted

Note: This check is skipped for identity documents when allowIdDocumentAsPoa is enabled.

addressSplitVerify — Enum Values

Value	Behavior
SPLIT_AND_VERIFY	Performs address splitting and authenticity verification. Splits the extracted address into structured components and verifies whether the address physically exists. Returns validAddress. Includes enhanced parsing for non-standard address formats.
SPLIT_ONLY	Performs address splitting only. Splits the extracted address into structured components and standardizes it. Does not perform authenticity verification and does not return validAddress. Provides faster response times.

documentFormatAllowance — Sub-configuration Group

documentFormatAllowance is a group of boolean switches that controls which non-standard document formats are accepted for upload.

Each format can be enabled or disabled individually. When a format is explicitly enabled, the corresponding format validation rule is relaxed for that verification. If not configured, the default document format validation rules apply.

Field	Type	Default	Description
allowPhotocopy	Boolean	false	Accepts photocopied documents. If not enabled, photocopies are rejected by default.
allowColorCopy	Boolean	false	Accepts color-copied documents.
allowBlackAndWhite	Boolean	false	Accepts black-and-white printed documents. If not enabled, black-and-white images are rejected and the user is prompted to upload a full-color image.
allowScreenshot	Boolean	false	Accepts screenshots of documents. If not enabled, screenshots are rejected and the user is prompted to upload a clear photo or the original file.
allowScanned	Boolean	false	Accepts scanned copies of documents. If not enabled, scanned copies are rejected and the user is prompted to upload the original document.

Behavior Notes

Identity Documents & Issue Date

When allowIdDocumentAsPoa is enabled, the system automatically identifies whether the uploaded file is an identity document, including:

• Passport
• ID Card
• Driving License

If confirmed:

• The file is accepted as PoA material
• The issueDayWindowMonths validity check is skipped

When allowIdDocumentAsPoa is disabled:

• Identity documents are rejected immediately

Document Format Validation

All switches in documentFormatAllowance are disabled by default.

You only need to explicitly enable specific switches when your business scenario requires accepting non-standard document formats, such as:

• photocopies
• screenshots
• scanned copies
• black-and-white prints

If not configured, the system applies the default document format validation rules.

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