> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Document Processing

> AI-powered document upload and verification for banking and fintech

Truv Document Processing lets you accept documents directly from users when a live payroll connection isn't possible. Truv's AI automatically splits, classifies, and extracts data from uploaded files, delivering the same structured output as a direct payroll connection.

For banking and fintech, document upload supports account opening workflows, income verification for credit decisions, and identity verification when direct connections aren't available.

***

## Benefits

<CardGroup cols={2}>
  <Card title="Structured Data" icon="table">Extract income, employment, and tax data from documents</Card>
  <Card title="Multiple Formats" icon="file-lines">Paystubs, W-2s, 1099s, bank statements, and more</Card>
  <Card title="Validation" icon="shield-check">Automatic document type and readability checks</Card>
  <Card title="Bridge Fallback" icon="rotate">Seamless fallback when payroll connection unavailable</Card>
</CardGroup>

***

## Banking use cases

<CardGroup cols={2}>
  <Card title="Account Opening" icon="building-columns">
    Verify income and employment as part of new account onboarding
  </Card>

  <Card title="Credit Decisions" icon="money-bill">
    Accept pay stubs and tax returns when payroll connection isn't available for income-based lending
  </Card>

  <Card title="Identity Verification" icon="id-card">
    Extract and validate identity documents (driver's license, passport) alongside income documents
  </Card>

  <Card title="Fallback for DDS/PLL" icon="arrows-rotate">
    When a user can't connect via payroll for deposit switching, verify employment through documents
  </Card>
</CardGroup>

***

## Supported document types

### Income & employment documents

| Document         | Type Code |
| ---------------- | --------- |
| Pay stubs        | `PAYSTUB` |
| W-2s             | `W2`      |
| 1099s            | `F1099`   |
| 1040 tax returns | `F1040`   |

### Additional document types

| Document          | Type Code        |
| ----------------- | ---------------- |
| Bank statements   | `BANK_STATEMENT` |
| Driver's licenses | `DRIVER_LICENSE` |
| Passports         | `PASSPORT`       |
| Green cards       | `GREEN_CARD`     |
| Utility bills     | `UTILITY_BILL`   |

***

## How it works

1. **Create a document collection**: Initialize a container for the user's documents. Upload one or more files (Base64-encoded PDFs or images) in the same request, or add files incrementally.
2. **Truv validates and classifies**: Truv validates each file and classifies document types using AI. Fraud detection checks every document against 50M+ verified pay stubs. With [intelligent intake](/developers/integration/document-processing#intelligent-intake), users can upload any mix of files — including phone photos — and Truv flags unreadable scans up front and recognizes which files count.
3. **Finalize the collection**: Trigger processing for the full collection or selectively finalize specific documents. Truv generates Links with structured income and employment data.
4. **Retrieve verified data**: When the processing Task completes (`task-status-updated` webhook with `status: done`), fetch the report. Same format as a live payroll connection.

***

## API reference

<CardGroup cols={2}>
  <Card title="Document Collections" icon="upload" href="/api-reference/document-collections/collections_create">Upload and process documents via the Collections API</Card>
  <Card title="Document Collections" icon="folder" href="/api-reference/document-collections/object">Manage document collections</Card>
  <Card title="Parsed Documents" icon="file-magnifying-glass" href="/api-reference/parsed-documents/object">Retrieve parsed data</Card>
</CardGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Document Processing" icon="file-lines" href="/developers/integration/document-processing">
    Platform-level document processing guide
  </Card>

  <Card title="Document Collections API" icon="code" href="/api-reference/document-collections/collections_create">
    Full API reference for document collections
  </Card>
</CardGroup>