This guide is for APLYiD Core in New Zealand (app.aplyid.com).
1. Managing users
Add a user
A Company Admin adds users in Preferences > Accounts. Each user gets an invite link that lasts 7 days and is asked to set up multi-factor authentication when they first log in. See How to add a user (staff member) and choose their role.
There are four roles:
Role | What they can do |
Company Admin | Manage company details and users, send verifications, and view and download every verification |
AML Supervisor | Send verifications, view and download every verification, and get notified for every completed verification. Best for whoever manages your AML. |
Agent | Send verifications, and view and download their own. They're notified when their own verifications are completed. This is the default role. |
Initiator | Send verifications only. They're assigned to another user (an Agent, AML Supervisor or Company Admin), who is notified and can view and download the results. |
Assign users to a manager
Users can be assigned to another user, called their Manager. Any user can be assigned to more than one manager:
Company Admin: other Company Admins, AML Supervisors, Agents and Initiators can be assigned to them
AML Supervisor: other AML Supervisors, Agents and Initiators can be assigned to them
Agent: other Agents and Initiators can be assigned to them
Remove a user who has left
Go to Preferences > Accounts, find the user, click Actions and choose Suspend. We recommend suspending rather than deleting. Only delete an account that was created by mistake, such as a wrong email address or a duplicate. A deleted user's name won't show on any reporting. See How to remove/suspend a user from APLYiD.
2. Sending a verification
Go to Biometric > Verify. The Send SMS form opens.
Enter your client's First name and Last name.
Enter a Reference for your own records. Your client won't see it, and you can search by it later.
Choose the country code under Code (e.g. +64 for New Zealand, +61 for Australia), then enter the mobile number.
Click Send.
The verification appears in Biometric > Created until your client completes it, then moves to Biometric > Completed. See How do I send a verification to my client?
Your client needs a current, government-issued photo ID, such as a passport or driver licence, and a smartphone. If they don't have a passport or driver licence, see My client doesn't have a passport or driver licence. What are their options?
3. Finding a completed verification
If notifications are on, you'll get an email with a link straight to the completed verification. Or go to Biometric > Completed.
Download and save the report straight away. Completed verifications are archived 7 days after completion, or 1 hour after the report is downloaded, whichever comes first. After that, the details can't be recovered. See Can I get back a check that's been archived?
4. Understanding the result
When you open a completed verification, the Overview tab shows:
Result Overview: a tick or cross for Data extraction, Biometrics, Tampering checks, Device/Location and APLYiD/AML, and the overall result (Pass, Review or Fail)
Report: download the PDF report here
Scanned Documents: the photos of your client's ID
Provided Data: the details you entered when sending
Extracted Data: the details read from the ID
Video: your client's selfie video
Tabs at the top (Biometrics, Tampering Checks, Location and APLYiD/AML Check) give more detail on each check.
Pass
All checks passed. Download and save the report. Most verifications come back as a Pass.
In New Zealand, a verification passes when:
Name matches 2 data sources: 1 government source and 1 independent source
Date of birth matches a source
Address matches at least one independent source, with the name matching on the same source
If your Company Admin has turned off address verification, the address is still captured and checked, but a failed address won't affect the overall result.
Review
One or more checks didn't pass automatically, so you need to decide. Only a failed face match makes a verification Fail. Everything else goes to Review. Check the Result Overview to see which check needs attention, then open the matching tab. When you're ready, click Review under Report, add a note explaining your decision, and click Approve verification or Reject verification. Your decision is final, and your note is added to the report. A reviewed verification shows an eye icon next to its status.
Common Review reasons
No independent data match
Your client's name and date of birth match NZTA or DIA, but not any independent source. This happens when someone hasn't applied for credit recently, doesn't have utility bills in their name and doesn't own property, e.g. young people or people recently back from overseas. Ask your client for extra information to confirm their name, date of birth and address under your AML/CFT programme.
No address match
Your client's name and date of birth match, but the address doesn't match any independent source. This usually happens when they've moved recently. Ask them for proof of address, such as a bank statement or a letter from a government agency.
Name mismatch
The name doesn't match NZTA exactly. Compare the name on the ID in Scanned Documents with Extracted Data:The ID was read wrongly (e.g. a middle name read as a first name, or a misplaced hyphen): click Edit next to Extracted Data, correct it and click Submit. The data check runs again. This is a re-run, which is charged.
Your client has changed their name (e.g. after marriage) but is using an older ID, or doesn't use their legal name day to day: ask them to use their newest ID.
Location flagged
Your client used a VPN when they completed the verification, so the Device/Location check was flagged. Being overseas doesn’t flag it. Check the Location tab and decide whether you're comfortable approving it.Liveness flagged
The system couldn't confirm a live person completed the selfie video. Watch the video in the verification and decide whether to approve it.
A problem with the ID
The photo of the ID had glare or wasn't scanned properly (e.g. the edges were cut off), or the ID is expired or isn't an accepted ID. Check the ID images and decide. If the ID can't be used, ask your client to complete a new verification with a current ID.
Tampering checks
Tampering checks look at whether the ID is genuine and unaltered. If one is flagged, the verification goes to Review so you can check the ID yourself. Glare, shadows or a blurry photo can also flag a check, which is why it isn't an automatic fail. Click any flagged item on the Tampering Checks tab to see what it checks for.
Check | What it looks for | What to check |
Detail check | Measurements, fonts, text or colours that don't match a real ID | Fields that look out of place or altered. Long names or addresses can flag this by mistake. |
Document integrity | A damaged ID, an ID not fully in the photo, or a photocopy or photo of the ID | The ID is clean, fully in the shot, and the physical card was photographed |
Image composition | The ID may not be physically present, e.g. shown on a screen or printed | Pixelation, screen edges, a mouse cursor, paper or black-and-white printing |
Photo check | The face photo on the ID may have been replaced or altered | Edges or shadows around the photo, or a different texture or gloss over the face |
Biometrics
The biometric check matches your client's face to the photo on their ID and confirms they're a real, live person (liveness), using a short selfie video.
Fail
A verification only fails when the face match fails. Everything else goes to Review.
Biometric (face match) fail
Your client's face couldn't be matched to the photo on their ID. This is often caused by a poor camera, bright light behind them or poor lighting, or the person not being the owner of the ID. A face match fail can't be overridden.
PEP, sanctions and adverse media
If there's a possible PEP, sanctions or adverse media match, PEP sanctions and adverse media clear shows a cross on the APLYiD/AML Check tab and the verification goes to Review. Use your AML/CFT programme to decide whether the match is really your client. A false positive can happen when someone shares the same name and a similar date of birth with a person on the list.
Frequently Asked Questions
My client's address doesn't match. What can I do?
Ask your client for proof of address, such as a bank statement or a letter from a government agency, under your AML/CFT programme.
My client doesn't have a driver licence or passport.
Any current, government-issued photo ID can be used. If they don't have one, see My client doesn't have a passport or driver licence. What are their options?
My client is under 18.
They can be verified with a current passport or driver licence, but the verification may go to Review because they usually don't appear in independent data sources such as the credit bureau.
Can I verify someone in person?
Yes. If you've sighted their NZ or Australian driver licence or passport, use a manual verification. See How do I run a manual verification?
Who do I contact?
Our Support team through live chat or support@aplyid.com.