Paystub fraud doesn't stand a chance against the source of truth.
The best fraud-detection software in the world still inspects a document. The best verification platform in the world skips the document entirely. Payscore connects directly to bank and payroll data so the income you see is the income that's real.
Detection looks at documents. Verification looks at the source.
Two approaches. One is an arms race against increasingly convincing fakes. The other ends the arms race.
Paystubs & uploads
- Trusts a document the applicant controls - secondary source
- Fraud detection guesses if it's fake - does your business run on guesses?
- False negatives slip through every day - costs run higher, time is wasted
- Manual chase when something looks off - a 'solution' that increases the workload is not a solution
Direct bank & payroll link
- Pulls income straight from the financial institution - primary source
- Applicant permissions a one-time, read-only link - direct data, no falsification can occur
- Nothing for a fraudster to forge - the truth about income
- 12 months of confirmed deposits, every time - actionable data that reduces workload
Three clicks. Zero paper chase.
Applicant clicks the link
A secure, one-time permissioned connection from the applicant's bank login. No documents to upload, no PII stored.
We report verified income
12 months of confirmed deposits sourced directly from the financial institution and payroll provider.
You get a defensible report
A clean decision in 98% of cases, backed by data that can't be faked.
Fraud detection is a guess.
Source verification is a fact.
Document-scanning AI has to predict whether what it's looking at is real. Generative tools are now creating paystubs that defeat pixel-level analysis and metadata checks. Every week the fakes get better.
Payscore doesn't analyze a document, it keeps it off the table. When data comes straight from the applicant's bank and payroll system, there's nothing to fabricate and nothing to detect. Just the truth about income.
Detection-based screening
Scans pixels and metadata of an uploaded file. Catches some fakes. Misses the well-made ones, and the real-but-outdated ones.
Source-of-truth data
Read-only connection to 22,000+ banks and payroll providers covering +90% of the U.S. workforce. The numbers you need come from the institution, not the applicant. Trust the platform that solved this problem first.
What slips through
Real paystubs from a job the applicant just lost or left. Pristine forgeries from a $9 online generator. Inflated or falsified YTD totals.
What's eliminated
Forged docs. Stale income. Phantom employers. The need for staff to play detective on every application.
End the paystub arms race.
See Payscore replace document-review with source-of-truth income data in a 30-minute walkthrough with your team.