CreditXpert uses a third-party provider, Stripe, to conduct identity verification online. Stripe builds technology that’s used by millions of companies around the world such as Amazon, Google, and Zoom. Stripe helps with everything from accepting payments to managing subscriptions to verifying identities.
Stripe helps CreditXpert confirm your identity by conducting the following checks:
- Stripe captures images of the front and back of your government-issued photo ID and reviews it to make sure that the document is authentic. They’ve built an automated identity verification technology that looks for patterns to help determine if an ID document is real or fake. This process is like a bank teller checking your ID document to confirm that it’s real.
- Stripe captures photos of your face and reviews them to confirm that the photo ID belongs to you. They’ve built automated identity verification technology that uses distinctive physiological characteristics of your face (known as biometric identifiers) to match the photos of your face with the photo on the ID document. This process is similar to a bank teller confirming that the photo on your ID document is you based on your appearance—but it’s a higher-tech and more accurate way to identify you as a unique person.
- Stripe collects your name, date of birth, and government ID number, and validates that it’s real. They’ll check this information against a global set of databases to confirm that it exists.
Stripe will ask for your consent before collecting and using your biometric information. They’ll only use your verification data in accordance with the permissions you grant before starting the verification process, and based on their Privacy Policy.
Learn more about how Stripe is storing and handling your data.
We use Stripe Identity for identity verification and other business services. Stripe collects identifying information about you and the devices that connect to its services, including via cookies. Stripe uses this information to operate and improve the services it provides to us, including for fraud detection, authentication, and analytics. You can learn more about Stripe, Stripe Identity, and read its privacy policy at https://stripe.com/privacy.