Verification partners

When an applicant submits a payslip containing a Verifiabl barcode, your system passes the barcode data to the Verifiabl API. Verifiabl decrypts the embedded payload and returns the original source income data - exactly as it was generated by the payroll system at the time of the payslip's creation - to your system in a structured format. The entire process completes in seconds, with no manual intervention. Your decisioning is based on the source data itself, which means the physical payslip simply becomes a secure delivery mechanism for cryptographically sealed information.

Verifiabl eliminates document fraud entirely by making the document itself irrelevant to your decisioning. Rather than analysing a payslip and trying to detect whether it has been altered, your system receives the original source income data directly from Verifiabl - the same data the payroll system generated at the moment of payslip creation. Whether a fraudster has manipulated the visible document or attempted to forge details, none of it affects the data you receive. You can still compare the source data to the physical document if your workflow requires it, but the architectural intent is to bypass document analysis altogether.

Verifiabl returns structured data in JSON format, designed for direct ingestion into automated decisioning systems and underwriting engines. The schema can be customised to match your existing data model, so the integration requires minimal mapping work on your side. You receive only the data fields agreed in advance with your team - Verifiabl applies purpose limitation by default, so no information beyond what is needed for the verification is shared. The API is built for both real-time and batch use cases.

Integration is lightweight by design. Verifiabl provides REST API endpoints with full documentation, a sandbox environment for testing, and dedicated engineering support throughout onboarding. For lower-volume use cases or one-off verifications, a secure web dashboard is also available, requiring no engineering work at all.

Verifiabl operates on a pay-per-verification model. Lenders and other accredited verifiers pay a fee for each verification performed, with no setup fees, subscription costs, or minimum commitments. Pricing is structured to reflect the volume and nature of each partner's use case - enterprise lenders, credit unions, and brokers all access the same platform on terms appropriate to their scale. Specific pricing is discussed during commercial onboarding.

Verifiabl is built on a zero-PII-storage architecture: personally identifiable information remains encrypted within the payslip itself and is only decrypted at the moment of verification, after the employee has chosen to share the document. The infrastructure is AU-resident and designed to align with the Australian Privacy Principles. We are currently completing our ISO 27001 certification. Full audit trails are maintained for every verification event and made available to verification partners for compliance reporting and dispute resolution.

The simplest way to begin is to reach out to our partnerships team at contact@verifiabl.io. We typically begin with a discovery call to understand your verification volumes and decisioning workflow, followed by technical documentation, sandbox access, and a working proof of concept. From there, we work directly with your engineering and risk teams to deploy the integration into production. Most lenders move from initial conversation to live verification within a few weeks.