Overview
ApplyEasy helps businesses automate credit application workflows. To reduce fraud, minimise financial loss, and improve compliance, ApplyEasy integrates with IDVerse for identity verification (DVS). This feature validates an applicant’s identity using official documents such as:
Australian driver’s licence
Passport
Medicare card
Note: Only the applicant’s identity is verified.
Benefits of Enabling Identity Verification
Reduce fraud risk by confirming applicant identity
Meet compliance requirements (KYC, AML)
Improve credit risk assessments with verified data
Build trust with customers
Automate verification without manual checks
Avoid storing personal identity information locally
Setting Up Identity Verification
To enable identity verification in ApplyEasy:
Contact your CreditorWatch account manager to request setup.
The ApplyEasy team will update your application form to include identity verification fields.
Applicants will be informed they’ll receive an SMS from IDVerse after submitting their application.
Rule-Based Verification
You can configure verification rules based on your organisation’s credit policy. Common criteria include:
Applicant type (e.g., sole trader, partnership, trust)
Credit limit requested
Other form data
Some organisations choose to verify all applicants, while others might verify only a specific subset.
Let your account manager know which rules to apply when requesting setup.
How Applicants Complete Identity Verification
Part 1: Application Form
Applicant completes the application form.
At the declaration section, they provide a phone number for the SMS verification link.
After submission, a confirmation page advises them to complete identity verification.
Part 2: IDVerse Process
Applicant receives an SMS from IDVerse with a verification link.
They accept privacy consent.
Capture identity document using their mobile camera.
IDVerse verifies the document and confirms completion (without showing pass/fail outcome).
Viewing Verification Results
Credit teams can view results in ApplyEasy:
Login to CreditorWatch.
Go to Applications > Inbox.
Select the application and open the Verifications tab.
You’ll see:
Applicant details
Verification status (Pending, In Progress, Completed, Failed)
Option to download the Verification Statement (PDF)
Application Status Updates:
ID Verification Requested – SMS sent
ID Verification Received – Applicant completed verification
Verification statements show only the outcome (passed or failed), not document details.
FAQ
Does IDVerse store applicant information?
Yes. IDVerse collects and uses personal information for identity verification and fraud assessment, as outlined in its privacy policy.
Why can’t I access identity documents?
To protect privacy, documents are not stored in ApplyEasy. If legally required, CreditorWatch can retrieve them from IDVerse on a case-by-case basis.
What happens if verification fails?
Common reasons include expired ID, mismatched details, or poor image quality. IDVerse provides error/status codes.
Need Additional Help?
If you have further questions, please contact our Support Team here.