Document AI for BNPL
Affordability and ID checks for customers, and outside checks for the merchants you onboard. Run them over the API inside your own flows.
Tools for BNPL providers
Customer checks and merchant checks over the same API.
How a BNPL team uses it
Customer applies
Your app sends the ID and, for higher limits, the bank statements the customer shares.
Documents are checked
IDs are checked for format and expiry, and every file for signs of editing.
Affordability is read
Statements become monthly income, balances and repayments your rules can use.
Your rules decide
Your system sets the limit. Unclear cases go to your team with the evidence attached.
What BNPL teams check
Higher limits
Statement-based affordability for customers who ask for more than the default limit.
Expiring IDs
Expired IDs are flagged, and so are those that expire within 30 days, with the days left.
Edited pay stubs
Pay stub totals and W-2 tax arithmetic checked for US customers, together with the PDF’s history.
Merchant licenses
UAE trade licenses read and confirmed with the issuer through its QR code or registry search.
Merchant keywords
Search what is said about a merchant for words such as fraud or lawsuit, with links to the sources.
Returned payments
Returned payments and new borrowing show up as flags with the transactions behind them.
Related industries
Fintech
One API for statement analysis, document fraud checks and ID and company verification in your own flows.
Lending
Fraud checks on income documents, cash flow from bank statements and policy-based drafts for analyst approval.
Banking
Statement analysis, fraud checks and company verification for account opening and credit reviews.
How do you want to work with us?
Choose a cloud subscription, an annual software license or a custom implementation.
API Access
API, dashboard and Paper OS in our cloud. Monthly plan plus usage above the limit.
Learn moreSoftware License
Deploy on your servers. Annual license, no per-document fees.
Learn moreBuilt for You
We set the platform up for your documents, rules and systems, from pilot to production.
Learn moreFrequently asked questions
Have a question that is not here?
Which files can customers upload?
Bank Statement Analysis reads native and scanned PDF statements. Fraud Detection and ID reading also accept JPG, PNG and other image files.
How do we investigate a potentially edited statement?
Run the original file through Fraud Detection and review the findings. It checks file history, document content and visual evidence; page references and highlighted areas are included where available.
How should we handle a merchant with no domain history?
An unavailable date is a missing check, not proof that the business is new. Review other evidence, such as its license and the documents it supplies, before making the onboarding decision.
How is the credit limit set?
By your own rules or an analyst in Paper OS, using the income, balances and flags the tools return.
Can we use ID checks without requesting a bank statement?
Yes. ID checks and Bank Statement Analysis are separate tools. Your flow can request statements only when your affordability policy calls for them.
Try it on real applications
Send a few customer and merchant files and see what your flow would get back.