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.	No

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.