Dealerships are high-value fraud targets at every step.
Synthetic Identity Buyers
Fraudsters construct synthetic identities — combining real and fabricated data — to pass basic credit application checks and take delivery of high-value vehicles using financing they never intend to repay.
Fraudulent Test Drives
Without real-time ID validation at the key handoff, stolen or fabricated IDs pass visual inspection checks. The vehicle doesn’t come back. Standard visual checks can’t detect sophisticated document forgeries.
Income & Employment Fraud
Fabricated pay stubs, manipulated bank statements, and falsified employment records deceive F&I staff. Without binding income verification to a confirmed identity, fraudulent financing approvals go through.
Title & Delivery Fraud
A fraudster who cleared the financing stage can substitute a different person at delivery — picking up a vehicle on behalf of someone who never appeared in the financing process.
Online Buyer Fraud
Remote and digital retail has expanded the fraud surface dramatically. Online buyers who never appear in person are the highest-risk segment — and the fastest-growing one.
Straw Purchase Fraud
Straw purchase fraud — where the true buyer is concealed — often involves identity substitution at multiple stages. Identity binding across the full purchase journey makes substitution detectable.
Verify → Bind → Step-Up. The same identity across every stage.
Online Inquiry & Pre-Qualification
Remote identity binding for online shoppers — AAMVA-validated document authentication and biometric binding before a credit application is submitted, a price is negotiated, or a vehicle is reserved.
- Remote identity proofing via Web SDK or mobile link
- AAMVA-validated driver’s license authentication
- Biometric match: live face vs. document photo
- Binding event logged — identity confirmed and timestamped
Credit Application & F&I
Employment and income verification bound directly to the verified buyer identity — confirming that the financial data submitted belongs to the person applying, not a fabricated profile.
- Real-time employment status from sources of record
- Income data confirmed against verified identity
- eKYC decisioning for regulated financial product workflows
- FCRA-compliant permissible purpose verification flow
Test Drive Key Handoff
LiveVerifi on any iOS or Android device at the key handoff — scan and authenticate the driver’s license in seconds.
- AAMVA barcode and ICAO MRZ validation in seconds
- Presentation Attack Detection confirms document is physical and unaltered
- Three-code result: release, escalate, or recapture
- No specialist hardware — any salesperson can verify
Vehicle Delivery & Title Transfer
Step-up biometric confirmation at delivery — the person taking the keys is confirmed to be the same verified identity that applied, qualified, and signed.
- Biometric step-up confirmation at vehicle delivery
- Identity compared against binding from inquiry and F&I stages
- Timestamped delivery confirmation for your records
- Defensible audit trail covers the full purchase journey
One platform for every channel your dealership sells through.
Digital Retail & Remote Buyers
The fastest-growing fraud vector in automotive is online. VerifiNow’s Web SDK and mobile identity proofing bring IAL2-grade verification to every digital retail interaction.
- Web SDK embeds into any digital retail platform
- Mobile identity proofing link via SMS or email
- Full biometric binding for remote buyers who never appear in person
- Results integrate with your DMS or CRM via REST API
In-Dealership & Point of Service
LiveVerifi turns any iOS or Android device into a forensic ID authentication station. No specialist hardware, no expensive kiosk — your existing smartphones or tablets are all you need.
- AAMVA barcode parsing with DMV data validation
- ICAO MRZ validation for international buyers
- Presentation Attack Detection on every scan
- Works offline with sync — no Wi-Fi dependency for capture
F&I Income & Employment Verification
Replace fabricated pay stubs and bank statements with real-time data bound to a confirmed identity. Your F&I office gets verified income and employment data — not documents that anyone can fake.
- Real-time income data from payroll and financial sources
- Employment status confirmed from sources of record
- Bound to biometrically verified buyer identity
- FCRA-compliant permissible purpose workflow documentation
DMS & CRM Integration
VerifiNow’s REST API connects to your DMS, CRM, and F&I platforms. Identity verification results flow directly into deal records — no double entry, no manual logging.
- REST API integration with major DMS platforms
- CRM integration for lead-to-delivery audit trail
- Webhook-based result delivery for automated workflows
- Full identity binding record available on every deal