Proof of address

The problem:

Address verification is a vital step in eliminating fraud and for regulatory compliance for financial institutions. Loan approval, account opening, and credit card applications all require proof of address verification as part of KYC, KYB, and AML processes. Manual verification of address documents is monotonous, inefficient, and prone to error and fraud.

The solution:

With DIRO’s address verification software, financial institutions can verify address documents with ease. By integrating DIRO's address verification API, bank and non-bank financial institutions can improve their address verification process and user experience with real-time data.

With user consent, DIRO helps companies with proof of address directly from the trusted source, such as a utility provider or a bank. With DIRO, you can verify an address with electricity, gas, cable, internet, water, and telecom companies in 195 countries.

Onboarding of new merchants was manual, time consuming, and it was not possible to verify the authenticity of submitted utility bills and bank statements. As EPOCH serves clients around the world, they also ran into translation challenges with submitted statements.

DIRO helped to automate the process in merchant onboarding, where merchant now can verify utility bills and bank statements directly from the original web source in real-time. This eliminates fake, stolen, and tampered data and reduces the risk for EPOCH. 

Furthermore, with DIRO’s language translation services, EPOCH now gets an instant verification of bills/statements that otherwise could take days to obtain.

EPOCH, with offices in Santa Monica, California, United States, is a pioneer of payment processing solutions for online merchants since 1996. EPOCH accommodates every type of online business from start-ups to multinationals.


In our merchant onboarding process, DIRO helps us to instantly verify utility bills and bank statements for same day activation.

Adriana Dulic — CCO, Epoch Payment Solutions