Verify only risk requires when it

ScreenlyyID helps teams decide when a user can continue, complete step-up verification, move to review or be blocked. Assess risk first, then trigger IDV, AML, eIDV, liveness or manual review only when more assurance is needed.

  • Reduce unnecessary verification
  • Step-up verification
  • Keep trusted users moving
  • Fraud-first decisioning
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ScreenlyyID step-up verification dashboard showing ALLOW, STEP_UP, REVIEW and BLOCK outcomes, verification activity, decision distribution and triggered checks including IDV, eIDV, AML screening, liveness and manual review.

The Problem

Blanket verification creates unnecessary friction

Sending every user through the same verification flow adds cost, slows good customers and creates avoidable drop-off. Risk-based verification gives teams a better way to decide who can continue and who needs a stronger check.

Wasted verification spend

IDV, liveness and compliance checks are triggered for users who could have continued with less friction.

Lower conversion

Good users drop off when documents, selfies or extra checks appear before risk justifies them

Unclear escalation rules

Teams struggle to decide who should continue, who needs step-up and who should move to review.

What ScreenlyyID Does

Turn risk signals into the next action

ScreenlyyID uses available identity, email, phone, IP, user agent, payment and compliance signals to return a clear decision: allow, step up, review or block. Step-up verification becomes a targeted response, not the default path for every user.

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Diagram showing a user session and connected risk signals entering the ScreenlyyID Decision API, which routes low-risk users to ALLOW and higher-risk users to STEP_UP checks such as IDV, eIDV, AML screening or manual review.

How it Works

Score risk, then trigger step-up verification

Send a risk event to the Decision API. ScreenlyyID enriches the available signals, scores the event and returns the recommended action. If risk is high enough, your team can trigger IDV, liveness, AML, eIDV or manual review based on policy.

01

Event received

Onboarding, login, payment or account change event.

02

Signals checked

Email, phone, IP, device-context, payment and identity signals.

03

Decision returned

Risk score, risk band, top factors and next action.

04

Step-up triggered

IDV, AML, eIDV, liveness or review when required.

Verification Actions

Use the right verification for the right risk

Different risk moments call for different actions. ScreenlyyID helps route users toward the appropriate step-up path when extra assurance is needed.

Document verification

Confirm identity with document checks when the risk level calls for stronger assurance.

Biometric liveness

Add selfie or liveness checks when you need confidence that the real person is present

AML screening

Run sanctions, PEP or watchlist checks when compliance risk needs escalation.

eIDV

Match identity details against trusted data sources where electronic verification is available.

Address verification

Verify address details when location, residency, delivery or regional risk needs more assurance..

Manual review

Send complex, high-risk or policy-sensitive cases to a review queue with the right context.

Decision Outcomes

Give every KYC event a clear next action

Risk-based KYC should return more than a score. ScreenlyyID turns risk context into clear decisions your teams can act on: allow, step up, review or block.

Approve lower-risk changes without unnecessary friction.

Ask for additional verification before the change is applied

Route uncertain or sensitive changes to a team queue

Stop or hold high-risk changes according to policy.

Decision-First Protection

One decision layer across fraud, identity, and compliance

Show us your onboarding, login, payment or compliance journey and we’ll show where ScreenlyyID can reduce unnecessary verification, trigger stronger checks and improve risk decisions.

  • Connected risk signals
  • Real-time decisioning
  • Reusable orchestration
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Flexible Deployment

Add step-up logic without replacing your stack

ScreenlyyID can sit before and around your current verification stack. Use the Decision API to decide when stronger checks should run, while keeping the providers and workflows your team already uses.

ScreenlyyID Decision API workflow showing onboarding, login and payment events assessed with device, network, contact and payment signals before triggering step-up verification through ScreenlyyID checks or existing providers.

Where it Fits

Step up at the right risk moment

Use step-up verification when a user action carries more risk than the standard flow should allow. ScreenlyyID helps assess the event first, then route the user to the right check only when more assurance is needed.

High-risk onboarding

Step up new users when identity, location, email, phone or compliance signals raise concern.

Account recovery

Add stronger verification before access is restored to a sensitive or high-value account.

Payment activity

Trigger extra checks when payment, BIN, IP or account signals suggest elevated risk.

Account changes

Review or verify sensitive updates such as profile, payout, email or phone changes.

Compliance escalation

Run AML, eIDV or address checks when policy, region or risk profile requires it. .

Manual review moments

Send complex cases to a team when the decision needs human context.

For Teams

Give review teams the reason behind each decision

When a sensitive change is stepped up, reviewed or held, teams need a clear reason. ScreenlyyID can return the score, top factors, checks run and correlation ID behind the decision

Diagram showing flagged users, triggered checks, reason codes and decision history feeding into the ScreenlyyID Risk Review Workspace, where analysts can review a risk score, investigate, request verification, escalate or resolve a case.

Platform Coverage

Use lifecycle signals to protect sensitive changes

Risk changes after onboarding. ScreenlyyID helps use the context available around each sensitive event to support better account change decisions.

Diagram showing existing identity, KYC, AML, fraud, device and communication providers connected to the ScreenlyyID risk orchestration layer across onboarding, login, payments, account recovery and ongoing activity workflows.

Common Questions

Step-up verification questions

Common questions about  step up verification. See how ScreenlyyID helps teams trigger stronger checks only when risk requires it.

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Step-up verification is an extra identity, compliance or review check triggered when risk is higher than normal. Instead of verifying every user the same way, businesses can use risk-based verification to decide when more assurance is needed.

Risk-based verification helps lower-risk users continue with fewer interruptions, while higher-risk users are routed to stronger checks such as IDV, liveness, AML, eIDV, address verification or manual review.

Step-up verification can be triggered by elevated risk scores, mismatched identity signals, suspicious IP or network risk, payment risk, account changes, compliance requirements or customer policy.

No. ScreenlyyID can work with your existing KYC, IDV, AML, fraud and review tools, or provide IDV, KYC and AML capabilities through its own verification suite. The Decision API helps decide which checks should run, when to step up and when lower-risk users can continue.

Yes. ScreenlyyID can recommend or trigger checks such as IDV, KYC, AML, eIDV, liveness, address verification or manual review when risk or policy requires it. Some verification products may require separate activation, regional availability and pricing.

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See Risk Decisioning in Action

See how ScreenlyyID helps you evaluate risk, orchestrate decisions, and trigger verification only when needed.

Complete the form and we’ll walk you through how it fits into your existing stack and improves fraud prevention, conversion, and cost efficiency.

  • See real decision flows
  • Understand integration
  • Explore use cases
  • Get tailored pricing
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Start small. Scale fast.

See how risk decisioning fits into your flow

Walk us through your onboarding, login, payment, or compliance journey and we’ll show where decisioning can help you approve trusted users faster, trigger the right checks, and stop high-risk activity earlier.

  • No Set Up Fees
  • API-first integration
  • Works with your stack
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