FAQ

1. About Intellicheck

Who is Intellicheck?

Intellicheck (Nasdaq: IDN) is a leading provider of real-time identity verification solutions that help organizations prevent identity-based fraud by stopping the use of unauthorized or fraudulent IDs.

Intellicheck offers a SaaS-based identity validation and proofing service that uses proprietary analysis of DMV-issued identification to deliver trusted, authoritative verification across both in-person and digital channels.

How does Intellicheck work?

Intellicheck is a cloud-based SaaS identity verification platform that delivers real-time authentication across in-person and digital channels. With a single scan or capture, Intellicheck analyzes authoritative, DMV-issued identification data using proprietary technology to detect counterfeit, altered, or stolen IDs—providing trusted decisions in seconds.

What products does Intellicheck offer?

Intellicheck delivers its identity verification capabilities through a subscription-based SaaS service. At the core of every subscription is Intellicheck’s proprietary authentication of authoritative North American barcode data embedded in U.S., U.S. territory, and Canadian government-issued IDs—providing real-time proof of identity and fraud detection.

Organizations can extend this foundation with additional services to address specific verification use cases and risk profiles, including:

International Verify: Enables acceptance of passports and international IDs for identity verification.Supports NFC chip reading on mobile devices and desktop scanners to increase speed, security, and global coverage.

Doc Verify: Enhances document trust by comparing front-of-ID visual data with authoritative barcode information. Uses advanced machine learning to convert images into structured, machine-readable data and automatically validate consistency and authenticity.

Face Verify: Uses AI-powered biometrics to match selfies to ID portraits, confirming both likeness and liveness. Helps prevent deepfake impersonation and synthetic identity fraud.

Doc Liveness: Verifies that a captured ID image comes from a live, physical document rather than a photo or printed replica. Also analyzes portrait images for signs of manipulation or tampering.

Device Confidence: Evaluates device-level risk signals—including fingerprinting, geolocation, VPN detection, and IP reputation—to identify suspicious activity before fraud occurs.

How is Intellicheck priced?

Intellicheck is priced as a SaaS subscription. All customers pay based on verification volume, and from there can build out their solution by adding optional services from Intellicheck’s comprehensive suite – including Doc Verify, Face Verify, Doc Liveness, Device Confidence, and International Verify. You select the services you need and only pay for what you use. Reach out at intellicheck.com/contact for a customized quote.

2. How Intellicheck Works

How does Intellicheck verify identity?

When someone presents a government-issued ID, Intellicheck reads and validates the authoritative barcode data the DMV encoded into it — not just the printed surface. We compare that data against jurisdiction-specific rules for every U.S. state, territory, and Canadian province.

If the ID is counterfeit, altered, or forged, the authoritative barcode data will be missing or inconsistent. Intellicheck catches that instantly, in under one second.

What types of identity-based fraud does Intellicheck detect and help to prevent?

Intellicheck helps organizations detect and prevent identity-based fraud across a wide range of high-risk transactions and regulated workflows, including:

Financial Fraud & Account Abuse

Account takeover (ATO)
Account lookups and access attempts
New account opening
Loan and credit card applications
Large purchases and high-value transactions
Fraudulent check cashing
Access to financial services

Identity Theft & Benefit Fraud

Government benefit theft
Tax fraud
Healthcare fraud
Employment-related fraud
Real estate and title fraud

Workforce & Eligibility Verification

Employment eligibility verification
Government benefits access
Housing and rental applications

Age-Restricted Transactions

Verification for alcohol, tobacco, cannabis, and other regulated products
Accessing age-restricted venues

What types of IDs does the Intellicheck Verification Service scan and verify?

Intellicheck analyzes authoritative barcode data from more than 250 North American state and territory-issued driver’s licenses and identification cards currently in circulation.

Organizations can also expand coverage to passports and international identity documents by enabling the International Verify subscription.

How long does ID verification with Intellicheck take?

Intellicheck is designed to minimize friction while delivering fast, high-assurance verification across both in-person and digital channels, and provides automated identity verification decisioning in under one second.

The overall customer experience may take up to a few minutes, depending on the workflow and environment. Factors such as retrieving the ID, scanning or capturing the document, reviewing results with the customer, and completing surrounding process steps can all affect total interaction time.

Is Intellicheck’s Identity Verification Service omnichannel, and can deployments and reporting be managed centrally?

Yes. Intellicheck’s Identity Verification Service is built for omnichannel use, supporting both in-person and remote verification across a wide range of devices and environments.

Organizations can deploy Intellicheck across branches, retail locations, field operations, and digital and mobile workflows. All activity and reporting are managed centrally through Intellicheck Hub, which provides a single, unified console to monitor usage, review transactions, and generate reports across locations and channels.

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3. Products and Deployment

Does Intellicheck work with my current systems and technology?

Yes. Intellicheck is designed to fit seamlessly into existing environments, with flexible deployment options that support both rapid rollout and deep system integration. Intellicheck’s Verification Service is:

Hardware-agnostic — Intellicheck does not sell proprietary hardware or lock customers into specific devices.

Compatible with existing equipment — including handheld barcode scanners, desktop scanners, and Apple and Android mobile devices.

Flexible across use cases — customers can mix access methods across locations, channels, and workflows.

Intellicheck offers flexible deployment options, including no-integration access methods for rapid deployment:

Intellicheck Mobile
A mobile app for Apple and Android devices that enables fast, in-person identity verification.

Intellicheck Portal
A secure, white-labeled web portal hosted by Intellicheck for organizations that want immediate deployment without technical setup.

Intellicheck Desktop
A scanner-connected desktop application that integrates with existing hardware for high-assurance, on-site identity verification.

Intellicheck offers deployment methods when integration is required:

Intellicheck Direct
REST APIs and mobile SDKs that embed real-time identity verification directly into customer systems and applications.

Intellicheck Capture
Lightweight webhooks that enable white-labeled mobile identity verification experiences through secure links—ideal for rapid deployment and remote workflows.

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Does Intellicheck offer APIs or SDKs for mobile and web applications?

Yes. Intellicheck provides developer-friendly integration options for both web and mobile environments. Through Intellicheck Direct, organizations can choose between REST APIs and mobile SDKs to embed real-time identity verification directly into their platforms.

Intellicheck Capture offers a lightweight alternative using two simple webhooks, enabling fast deployment of white-labeled identity verification experiences. Visit Intellicheck’s website to learn more

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Will my employees need retraining to use Intellicheck?

In most cases, only minimal training is required. Intellicheck is designed to integrate seamlessly with existing workflows, allowing frontline staff to continue using familiar systems while benefiting from enhanced verification capabilities. If employees already use scanning hardware, training typically focuses on interpreting Intellicheck’s results and applying them to your organization’s risk policies. Decisions about how to act on verification outcomes remain fully within the customer’s control.

For more information, visit the Intellicheck Services webpage.

Can Intellicheck integrate with existing CRM, POS, or onboarding systems?

Yes. Intellicheck is designed to integrate easily with existing CRM, POS, and onboarding platforms. The service securely parses data from government-issued IDs and returns verification results in real time. These results can be automatically passed into downstream systems to populate customer records, trigger workflows, and strengthen fraud detection—helping organizations streamline operations while maintaining high assurance and compliance.

Is Intellicheck a good fit for my business?

Intellicheck works with organizations across highly regulated and fraud-prone industries where accurate, real-time identity verification is essential. Key verticals include banking and financial services, retail and e-commerce, title insurance, automotive, and education.

Each year, Intellicheck verifies nearly 100 million identities for five of the top twelve U.S. banks, plus leading credit card issuers, some of the largest title insurance companies, and more than fifty law-enforcement agencies across North America—demonstrating its ability to operate at a national scale in mission-critical environments.

4. Financial Services and Credit Unions

How accurate is Intellicheck’s ID verification?

Intellicheck delivers industry-leading accuracy by analyzing authoritative North American barcode data embedded in government-issued IDs rather than relying solely on optical character recognition (OCR) or template matching.

This approach enables highly accurate data extraction for automated form filling while also providing real-time fraud detection. Intellicheck’s Identity Verification Service achieves 99.975% decisioning accuracy without manual review or human intervention. If an ID has been forged or altered, the authoritative barcode data will be missing or inconsistent, allowing Intellicheck to flag suspicious documents instantly.

What is AAMVA, and how does Intellicheck’s certification improve accuracy?

AAMVA (the American Association of Motor Vehicle Administrators) is the standards organization that governs North American driver’s licenses and ID cards, including barcode formats.

Intellicheck has participated in AAMVA’s Driver’s License/ID Card Verification Program for more than 25 years and serves as its sole certification laboratory provider. This unique role gives Intellicheck direct access to jurisdiction-specific barcode rules and security features across the U.S., U.S. territories, and Canadian IDs. As a result, Intellicheck is the only provider offering Authoritative North America Barcode™ analysis—delivering faster, more accurate identity verification than OCR- or template-based alternatives.

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Does Intellicheck’s solution help with KYC, AML, and other regulatory requirements?

Yes, Intellicheck’s ID Verification helps with KYC, AML, and other regulatory requirements.

How does Intellicheck work for online and mobile account opening?

For digital onboarding, Intellicheck Capture and Intellicheck Direct both support fully remote identity verification. The applicant receives a secure link, photographs their ID with their smartphone, and gets a decision in near real time — no branch visit, no proprietary hardware required.

Results feed directly into your onboarding system to populate records and trigger next steps. The experience is seamless for the applicant and fully white-labeled for your brand.

5. Accuracy and Technology

What is AAMVA and why does Intellicheck's certification matter?

AAMVA — the American Association of Motor Vehicle Administrators — is the standards body that governs driver's licenses and ID cards across the U.S. and Canada, including the barcode formats and security features encoded in every card.

Intellicheck has been AAMVA's sole certification laboratory provider for more than 25 years. That relationship gives us direct, ongoing access to jurisdiction-specific barcode rules as they're updated — access no other identity verification provider has. It's the foundation of our Authoritative North America Barcode™ analysis and the reason we can deliver 99.975% decisioning across every US state, territory, and Canadian province.

What is Authoritative North America Barcode™ analysis?

It's Intellicheck's unique approach to ID verification. Instead of reading the visible surface of an ID through optical character recognition, we validate the barcode data against our proprietary database using the DMV information encoded into the card at the time of manufacture.

That barcode holds the authoritative record of who the cardholder is. If an ID has been counterfeited, altered, or digitally manipulated, the barcode data will be missing, incomplete, or inconsistent — and we catch it instantly. Our 25-year AAMVA relationship means we know the exact encoding rules for every jurisdiction in circulation, which drives our 99.975% decisioning.

Does Intellicheck use AI or machine learning?

Yes, as part of a layered approach. Intellicheck's platform incorporates AI-enhanced risk signals alongside its core Authoritative North America Barcode™ analysis.

The foundation is the barcode analysis — that's where the 99.975% decisioning comes from. AI-enhanced signals layer on top to provide additional fraud indicators and further strengthen decisioning.

6. Data, Privacy, and Security

How does Intellicheck handle personal data?

Intellicheck's service is designed to deliver a verification decision without holding onto data it doesn't need. Identity data from the ID is parsed for the purpose of verification and results are returned in real time.

Your organization controls how results are stored and used in your own systems. Intellicheck Hub provides centralized transaction history for compliance and audit purposes. For full details on data handling, privacy policies, and security certifications, visit intellicheck.com or contact us directly.

Is Intellicheck's verification service secure?

Yes. Intellicheck is a cloud-based SaaS platform built specifically for regulated, security-sensitive industries — financial services, law enforcement, and government among them. The platform supports white-labeled experiences, centralized access controls, and audit-ready reporting through Intellicheck Hub.

For specifics on security certifications, encryption standards, and compliance frameworks, reach out at intellicheck.com/contact.

7. Industries and Use Cases

What industries does Intellicheck serve?

Intellicheck works across industries where identity fraud is a real risk and fast, accurate verification is operationally essential:

Banking and financial services — banks, credit unions, fintech companies, credit card issuers
Retail and e-commerce — in-store and online age verification, high-value transactions
Title insurance and real estate — identity verification at closing and during property transactions
Automotive — dealership verification for test drives, financing, and purchases
Education — campus access and student identity verification
Government and law enforcement — benefit access and identity-related investigations

Each year, we verify over 100 million identities for five of the top twelve U.S. banks, leading credit card issuers, some of the largest title insurance companies, and more than fifty law-enforcement agencies across North America.

Is Intellicheck a good fit for my organization?

If your organization verifies government-issued IDs at any point in your customer journey — in person or digitally — Intellicheck is built for that.

It's a strong fit if you're onboarding new customers or members, processing high-value transactions, operating in a regulated industry with KYC or compliance requirements, onboarding new employees, contractors, and gig workers, or simply trying to reduce friction for real customers while keeping fraud out. We make that process faster, more accurate, and more defensible.

8. Resources and Further Information

Where can I learn more about Intellicheck?

The Intellicheck resource library at intellicheck.com/resource-library has case studies, solution briefs, white papers, webinars, and more. A few worth starting with:

2026 Intellicheck Identity Verification Threat Report — fraud trends drawn from nearly 100 million North American transactions
2025 IDC MarketScape for Identity Verification in Financial Services — independent analysis ranking Intellicheck as a Leader
Intellicheck Desktop Solution Brief — details on the scanner-connected desktop verification workstation
Credit Union and Banking Solution Briefs — vertical-specific use cases and product details

Ready to talk? Visit intellicheck.com/contact.

Intellicheck
Frequently Asked Questions

1. About Intellicheck

2. How Intellicheck Works

3. Products and Deployment

4. Financial Services and Credit Unions

5. Accuracy and Technology

6. Data, Privacy, and Security

7. Industries and Use Cases

8. Resources and Further Information

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