Payment-detail changes
A vendor contact requests a new bank account for payments. Stile checks their identity; your team confirms they represent the vendor and can authorize the change.
Identity Fraud Protection
Know the real person behind high-risk actions
Stile helps businesses verify identity before payment details change, account access is restored, or valuable goods are released. Add document or supported digital ID checks to your fraud-prevention workflow, then use the result alongside your existing controls.
- A request to change payment details arrives. Your workflow asks for a fresh identity check.
- The person completes the identity verification flow selected for this request.
- Stile returns a signed verification result that your workflow connects to the request.
- Your team reviews the identity evidence alongside its other controls before accepting the change.
Before access changes. Before value moves.
Account recovery
A customer asks to regain access after losing their login credentials. Stile checks their identity; your team matches it to the account owner before restoring access.
High-value pickups
A driver arrives to collect a valuable shipment. Stile checks their identity; your team confirms the pickup assignment and permission to release the goods.
How Stile verifies identity before a high-risk action.
Check the identity, check the person and connect the result to the request your team is handling.
Check the identity
Verify a supported wallet credential against its issuer’s signature, or examine a captured identity document.
Check the person
On a document and selfie flow, face matching compares the presenter with the ID portrait. Liveness assesses live presence.
Connect the result
Your team receives a signed verification outcome. Your workflow links it to the payment change, recovery request or pickup being reviewed.
Understand the identity risks behind a request.
Explore six fraud scenarios, what identity verification checks, and where additional controls matter.
01Account takeover
How it works
An attacker takes over an existing account using stolen login details or a hijacked session.
What verification checks
- Check who is requesting account recovery or a sensitive change.
What else matters
- Connect the verified identity to the account owner.
- Secure the account and confirm permission for the action.
02Synthetic identity fraud
How it works
An attacker combines real and fabricated details to create a fictitious identity.
What verification checks
- Check credentials for evidence of the claimed identity.
- For supported digital IDs, verify the issuer signature and integrity of signed data.
What else matters
- Corroborate identity details against reliable records.
- A valid signature alone does not rule out a synthetic identity.
03Digital injection attacks
How it works
An attacker bypasses the camera to insert stolen or generated media, for example through a virtual camera.
What verification checks
- Supported digital IDs can replace photographing a credential.
- A separate selfie step still needs protection against injected media.
What else matters
- Protect the capture process and assess injection resistance.
- Passing liveness alone does not prove the camera feed is genuine.
04Presentation attacks
How it works
An attacker shows a photo, video replay, or mask to the camera. A replay may contain deepfake content.
What verification checks
- Liveness detection looks for signs of a live person.
- Face matching compares the captured face with the ID portrait.
What else matters
- Understand which attacks the checks have been tested against.
- Provide a review path for uncertain results.
05Document fraud
How it works
An attacker submits a counterfeit or altered ID, or a manipulated image of one.
What verification checks
- Extract identity details and cross-check barcode data where available.
- For supported digital IDs, verify issuer-signed data.
What else matters
- Internal consistency alone does not prove authenticity.
- Apply requirements for the document type and issuing authority.
06Impersonation
How it works
An attacker poses as a customer, vendor contact, or driver to change payments, recover an account, or collect goods.
What verification checks
- Check the identity credential.
- Match the person to its portrait to assess their claimed identity.
What else matters
- Confirm their relationship to the business or account.
- Confirm their authority to make the request.
WORKS WITH YOUR EXISTING CONTROLS
Add identity evidence to your existing controls.
Your fraud tools assess activity and context. Stile adds evidence about the person making the request. Your policy determines whether the action proceeds.
Questions about identity fraud protection
When should we ask someone to verify again?
Your policy chooses the moment. Common examples include a payout destination change, account recovery or a valuable pickup. A fresh check adds evidence about the person acting now alongside the controls your business already uses.
What if someone does not have a wallet ID?
Offer a document verification path. Supported documents and wallet options vary by market and device. Choose the route that fits your users and the checks your workflow needs.
Does a successful check approve the action?
No. Stile returns identity evidence; your business decides whether the action proceeds. A verified identity does not, by itself, establish permission to access an account, change payment details or collect a load.
What information does our team receive?
Your team receives a verification outcome and the method used, with further details depending on the verification flow. Your integration connects the result to the request.
What data does Stile delete and retain?
Captured document images and extracted document data are deleted after the final verification or review decision. Other collected personal information and biometric data follow the workflow and jurisdiction policies. Verification outcomes and sensitive hashed records used for returning-user checks may remain.
Get started
Start with one high-risk action.
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