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How Does Document Processing Work (for Income Verification)?

Learn how Konfir processes documents for verification of employment and income from self-employment.

Jacob avatar
Written by Jacob
Updated over 2 weeks ago

We’re excited to share that you can now verify self-employment income for non-PAYE workers (sole traders, freelancers and limited company directorships) using Document Processing with SA302s.

This means that when you submit a self-employment activity type in the Konsole, via CSV or through the Create Verification endpoint for verification, the applicant will be asked to upload supporting SA302 documents as part of the Konfir flow. Konfir will then automatically process these documents, check for fraud and return data from these documents, along with the documents themselves, in the Konsole for you to review.

How does it work?

  1. You submit a self employment activity for income verification via Konsole

  2. Applicant starts the Konfir journey, and Document Processing is triggered as part of the flow (note. If both an employment and a self-employment activity exist for an applicant, Document processing is displayed after Payroll & HMRC)

  3. Uploaded documents are instantly checked to ensure they are an SA302. If a document uploaded is not an SA302, the applicant will be asked to upload the correct document

  4. Successfully uploaded SA302 documents are scanned for fraud risk indicators, and employment data is extracted and categorised. Income data remains in the document for now

  5. Original SA302 documents that pass our fraud checks are returned to you via the Konsole. These can be used for verification of income and employment

What data do you receive?

When an applicant uploads a valid SA302 document that passes fraud checks, you will be able to download the original document from the Konsole to verify the applicant’s income. The SA302 tax calculation document can be used to verify how much the applicant earned in a given tax year. It provides evidence of earnings for someone who completes a UK self-assessment tax return, and contains data on the applicant’s total income from their self-employment.

In the Konsole UI itself, you will also see verification of self-employment start and end dates based on the applicant’s uploaded documents. Extracted income data is not displayed in the Konsole UI at this stage and is only available in the document.

What do automated fraud checks include?

Konfir performs a series of structural and technical checks to assess the authenticity of uploaded SA302 documents. This includes analysing the metadata and file structure to understand how the document was created or modified, reviewing layout, fonts and images for signs of tampering, and checking that key datapoints and applicant details follow expected patterns. This will also ensure that the document isn’t entirely fabricated or AI-generated.

SA302 documents must pass all checks to be considered valid: only documents that do not contain any risk indicators with a clean risk outcome are returned to you for verification, so you can be assured that those you receive have been checked.

What this means for you

  • A single journey for all worker types, with self-employment evidence collected in the same flow used for PAYE applicants.

  • A consistent experience for all applicants and worker types, with SA302 uploads built directly into the Konfir journey.

  • Reduced manual work for your team, removing the need to chase documents by email or manage separate off-platform processes.

  • Faster, cleaner workflows, as documents are gathered, checked for fraud and returned automatically within the Konsole or via API.

How to get started

No changes are needed to use this functionality via the Konsole, other than letting your team know to build this into their process. Just select ‘self-employment’ as the activity type when creating a new request via the Konsole, and Document Processing will be used automatically. You will receive the results in the Konsole alongside download links for the original documents.

For API verifications, please reference our API documentation to learn more about submitting and receiving responses for self-employment activities.

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