FAQ

1. About Intellicheck

What is Intellicheck?

Intellicheck (Nasdaq: IDN) is a real-time identity verification company headquartered in Melville, New York. Founded in 1994, Intellicheck helps organizations stop identity fraud by verifying government-issued IDs instantly — in branch, online, or on mobile.

We verify over 100 million identities every year for clients, including five of the top twelve U.S. banks, leading credit card issuers, major title insurance companies, and more than fifty law-enforcement agencies across North America. Intellicheck is recognized as a Leader in the 2025 IDC MarketScape for Identity Verification in Financial Services and has served as the sole certification laboratory provider for AAMVA's Driver's License/ID Card Verification Program for more than 25 years.

What makes Intellicheck different from other identity verification solutions?

Most ID verification solutions read what's printed on the surface of an ID. Intellicheck goes deeper — we analyze the authoritative barcode data that the issuing DMV encodes into every driver's license and ID card.

Because we've served as AAMVA's sole certification laboratory for more than 25 years, we have proprietary access to jurisdiction-specific barcode rules for all 50 U.S. states, territories, and Canadian provinces. No other provider has this. It's what enables our Authoritative North America Barcode™ analysis and our 99.975% decisioning — without manual review, instantly.

Has Intellicheck received any independent industry recognition?

Yes — and from sources that matter in this space:

Named a Leader in the 2025 IDC MarketScape for Identity Verification in Financial Services, recognized for high accuracy, flexible deployment, and integration in under two weeks
Sole certification laboratory provider for AAMVA's Driver's License/ID Card Verification Program for more than 25 years
Over 100 million annual verifications across five of the top twelve U.S. banks, leading credit card issuers, major title insurance companies, and more than fifty law-enforcement agencies

That kind of scale, in regulated environments, speaks for itself.

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.

How accurate is Intellicheck's ID verification?

Intellicheck achieves 99.975% decisioning — without manual review or human intervention. That means your staff almost never has to make an uncomfortable judgment call, and genuine customers almost never get flagged incorrectly.

The accuracy comes from reading authoritative barcode data rather than relying on OCR or template matching. If the ID is real, it passes. If something's off, we catch it.

How long does the verification process take?

The barcode verification decision itself takes under one second.

What types of IDs does Intellicheck verify?

Intellicheck verifies more than 250 driver's licenses and ID cards issued across all 50 U.S. states, U.S. territories, and Canadian provinces. Coverage can be extended to passports and international documents with the International Verify subscription. Visit intellicheck.com/services for the current list.

What types of fraud does Intellicheck detect and help prevent?

Intellicheck addresses identity fraud at the time of identity verification:

New account opening fraud and account takeover (ATO)
Loan, credit card, and mortgage application fraud
Large purchases and high-value transactions
Fraudulent check cashing and access to financial services
Government benefit theft, tax fraud, and healthcare fraud
Employment eligibility fraud and real estate/title fraud
Access to age-restricted products and venues (alcohol, cannabis, tobacco)

For the latest on where fraud is hitting hardest, see the 2026 Intellicheck Identity Verification Threat Report, drawn from nearly 100 million North American transactions.

3. Products and Deployment

What products and access modes does Intellicheck offer?

Intellicheck offers five ways to verify identity — from same-day, no-integration options to full API integration.

No integration access methods:

Intellicheck Mobile — iOS and Android app for fast in-person verification
Intellicheck Portal — web-based tool for in-person and remote verification, including call centers and online applications
Intellicheck Desktop — Windows client running on a PC connected to a scanner, delivering instant Pass/Fail results

For integration:

Intellicheck Direct — REST API and mobile SDK for embedding verification directly into your platforms
Intellicheck Capture — webhook-based, white-labeled mobile verification via secure link; customers photograph their ID on their own phone

All five modes feed into Intellicheck Hub for centralized reporting and management.

How quickly can Intellicheck be deployed?

Mobile, Portal, and Desktop can be up and running the same day — no technical integration required. API integration via Direct or Capture typically takes under two weeks.

Fast deployment is one of the reasons IDC recognized Intellicheck as a Leader in its 2025 MarketScape for Identity Verification in Financial Services.

Does Intellicheck work with existing systems and hardware?

Yes. Intellicheck is hardware-agnostic — we don't sell proprietary devices or lock you into specific equipment. We work with handheld barcode scanners, desktop scanners, and Apple and Android mobile devices you may already have.

Our REST API integrates with CRM, POS, and onboarding systems, passing verification results directly into your workflows. You can also mix access modes across locations and channels. More at intellicheck.com/services.

Is Intellicheck omnichannel? Can deployments be managed centrally?

Yes on both counts. Intellicheck works across branches, call centers, field operations, mobile apps, and digital onboarding flows — in person and remote.

Everything is managed through Intellicheck Hub: a single console for monitoring usage, reviewing transactions, generating reports, and managing settings across every location and channel.

Will staff need retraining to use Intellicheck?

Minimal training is usually all it takes. Intellicheck fits into existing workflows, so staff members keep using the systems they know.

If your team already uses scanning hardware, training focuses on reading Intellicheck's clear Pass/Fail results and applying them to your policies. Tellers get instant decisions at the window and call center agents get fast results on their terminals. Managers and compliance officers get a consolidated dashboard with fraud trends, risk scores, and transaction history across every location and agent.

4. Financial Services and Credit Unions

How does Intellicheck support financial institutions, including credit unions and community banks?

Intellicheck verifies member and customer identities in real time across new accounts, account lookups, loan and credit card applications, and in-branch transactions — online or in person.

For credit unions, the stakes are especially high: members expect to be recognized quickly and know their accounts are safe. Intellicheck delivers both — fast verification that gets genuine members through without friction, and strong fraud controls that stop bad actors at the point of identity. More than 8,000 branches rely on Intellicheck today.

What fraud use cases does Intellicheck address for financial institutions? Intellicheck covers the fraud scenarios financial institutions deal with most:

New account fraud (NAF) — stopping fraudulent openings at the point of identity
Account takeover (ATO) — verifying identity during account lookups and access requests
Loan and credit card application fraud — confirming identity before origination
In-branch transaction fraud — ID verification at the teller window for large withdrawals, check cashing, and high-value transactions
Online and mobile channel fraud — remote identity verification for digital onboarding and self-service

For a current picture of the threat landscape, see the 2026 Intellicheck Identity Verification Threat Report, based on more than100 million North American transactions.

Does Intellicheck support KYC, AML, and other regulatory compliance requirements?

Yes — and it's built into the workflow, not bolted on. Intellicheck verifies government-issued ID at the point of onboarding or transaction, satisfying the identity confirmation requirements at the core of Know Your Customer (KYC), Customer Identification Program (CIP), Bank Secrecy Act (BSA), and Anti-Money Laundering (AML) programs.

Results pass automatically into your downstream compliance systems. Intellicheck Hub maintains centralized transaction history to keep you ready for audits and examinations.

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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