This page lists FAQs that are curated from the most common inquiries. It is designed to address concerns and deliver quick, reliable solutions by enhancing your Ocrolus experience with clear answers to common questions and practical troubleshooting guidance.

Analytics

How can I filter out the transactions that I don’t want to see?

You can filter transactions out by clicking on the All buttons under the column headers or the quick filters (date and tags) next to the search bar.

What does Revenue mean?

Ocrolus’ proprietary AI and tagging algorithm automatically tags when documents or data are submitted for processing, certain tags are combined to come up with a revenue figure or calculation. The revenue/income column on the Transaction page indicates whether a transaction has been included in our revenue calculation. The way Ocrolus calculates revenue is:

For more details on these transaction tags, please view the Ocrolus analytics data dictionary. You can also view the Revenue vs. Expense visualization on the Accounts page which utilizes this data. You can also view or modify the Revenue/Income formula for you organization under the Accounts & Setting dropdown on the Dashboard.

How can I change if a transaction is considered revenue and Ocrolus’ logic does not match our definition?

Yes, there are a few ways to update a transaction’s revenue status on the Transactions page:

• Using the Revenue column and selecting or deselecting the revenue toggle for the desired transactions
• On the Transaction Detail panel
• Using the bulk action feature to update multiple transactions to be included or excluded from revenue
• At the organization level, the Revenue/Income formula under the Accounts & Setting dropdown on the dashboard

Can I download the graph and the data from the Account Summary page?

Yes, the visualizations can be downloaded as well as the underlying data by clicking on the export option next to each graph.

How can I add comments and review comments for each transaction?

You can view the comment by clicking on each transaction. If you want to leave a comment/update a comment, you can click on the comment section to edit the comment.

How can I highlight or flag transactions?

You can click on the star icon to highlight or flag transactions.

Can I export CSV or JSON files that contain cash flow analytics information?

Not at this time, the functionality is currently being built out.

How to export SMB analytics?

The Export SMB Analytics option is available on the Book List and the Book Overview pages in the Ocrolus Dashboard. To download Export SMB analytics from either of the pages, see the Exporting SMB Analytics section. For further questions or assistance, please feel free to reach out to us at [email protected].

How to create and customize transaction tags?

You can create a specific customized tag for a set of transactions based on logic that is more relevant to your industry, business, and individual needs using term-matching logic using the Ocrolus Dashboard. This includes your specified list of exact inclusion terms, exact exclusion terms, and optional amount thresholds.

To learn more about creating and customizing transaction tags, see the Create transaction tags page in the guide section.

How does Ocrolus identify deposits?

We consider any transaction with a credit amount greater than $0 a deposit.

How does Ocrolus decide which transactions are included or excluded in the income amount?

Once we capture a transaction's details, we categorize it according to a library of rules based on client feedback and use cases. These rules mainly involve the transaction's description.

What is the Bank Statement Income Calculator (BSIC)?

It offers comprehensive analytics such as NSF transactions, large deposits, and monthly balances based on the extracted transaction details from the borrower's bank statements. You can easily adjust input and automatically receive analytics output for the final qualifying income calculation. To learn more about the BSIC, see the Bank account income calculator.

What is qualifying income?

The qualifying income sections in the Ocrolus Dashboard include cell-level calculations driven by manual data entry and transaction details collected in the Deposits section from the bank statements extraction. Below is an outline of the calculations that live within each field:

• Standard expense factor calculation
• CPA/licensed tax preparer expense Factor Calculation
• Profit & loss expense factor calculation

---

Platform support

What document types does Ocrolus support?

Ocrolus supports common financial documents including bank statements, paystubs, W-2s, tax returns (1040s), and various income, employment, and cash-flow documentation. Supported formats may vary between API and Dashboard workflows. To learn more, see all supported documents.

What documents can be processed via the API?

Through the API, you can upload PDFs, images, Plaid data, and supported financial documents such as bank statements, paystubs, W-2s, and tax returns.

What is Mortgage Automation?

Mortgage Automation uses Ocrolus extraction and analytics to streamline mortgage workflows by digitizing borrower documents, normalizing data, and generating income calculations for underwriting.

How does Ocrolus process W-2 documents?

W-2s are uploaded through the Dashboard or API and processed to extract employer details, wages, taxes withheld, and income totals. Results appear under Analytics once processing is complete. To learn more, see tax forms.

How does Ocrolus process 1040 tax returns?

When 1040 returns are uploaded, Ocrolus extracts line-item tax information, schedules, income sources, deductions, and filing details. The extracted data becomes available through Book Analytics or export files. To learn more, see tax forms.

What is the Brex Statement configuration?

Brex statement configuration ensures Brex account data is formatted according to Ocrolus ingestion standards. When properly configured, Brex statements process cleanly and surface consistent transaction and balance data.

How do I organize a case at a deal level?

You can group related Books and documents under a deal-level structure by using naming conventions, tags, or folder organization tools in the Dashboard. This makes cross-file review easier across large lending packages.

What browsers are compatible with Ocrolus?

Ocrolus supports modern browsers including Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari. Using the latest version helps avoid performance and display issues.

Can I trial the Ocrolus platform if I’m new?

Yes. New users can request a trial through the Ocrolus website or through sales. Trial access allows you to upload documents, test analytics, and explore core Dashboard features.

How do I use the chatbot widget?

Ollie, Ocrolus’ AI-powered assistant is designed to deliver fast answers, transparency, and efficient self-service across the platform.

• Instant, 24/7 support for onboarding, troubleshooting, and common platform questions
• Contextual guidance with direct links to relevant documentation and next steps
• Ollie is available directly within the Ocrolus dashboard and will continue to expand in capability over time

What is the difference between a Sandbox and Production organization?

A Sandbox organization is used for testing, development, and experimentation without affecting real customer data. A Production organization is your live environment where real documents are processed and analytics are generated for actual lending workflows. Sandbox data and API keys are separate from Production.

How can I contact with Customer Success at Ocrolus?

You can reach out via [email protected] or submit a request through the D. The Customer Success team acts as your advocate for training, technical inquiries and feedback.

How can I submit a support request through the Ocrolus Doc Site?

Go to the Doc Site and click on the Raise a request link on the top right corner of the screen. You will be navigated to the Help Center to fill in the required fields (email address, subject, description, and optional attachments), and submit your request.

Is there a way to contact support directly from the Ocrolus Dashboard?

Yes, within the Dashboard, you can use Ollie in the bottom right-hand corner to open a contact form in your browser.

What training does the Customer Success team offer?

The Customer Support team provides 1:1 training sessions for new or existing members of your organisation who need help getting up to speed with the platform.

We also offer on-demand training courses:

• Ocrolus Mortgage User Training Course
• Ocrolus SMB User Training Course

What analytics customization support is available?

You can customize transactions and revenue by creating and modifying transaction tags and modifying the revenue formula for your organization.

Additionally, the Customer Support team can assist with customized lender analytics and definitions. You can request help to understand the analytics or ask about terms applicable to your business.

How can I get assistance with API integrations?

Visit the API documentation and reach out to Customer Support for hands-on help with integrations.

---

Ocrolus Dashboard

How can I add or remove users in my organization?

Click on your profile icon > click Team > select Add user to invite a new member or select an existing user to update roles or remove access.

How do I enable two-factor authentication?

Click on your profile icon > click on ENROLL IN MULTI-FACTOR AUTHENTICATION button. Further, check your inbox for instructions on how to set up multi-factor authentication.

Where can I find Book IDs?

Open any Book in the Dashboard and look at the URL bar or the Book Details section. The Book ID appears as a unique alphanumeric value (UUID) tied to that Book.

How do I create a new Book?

Click on the NEW BOOK on the Dashboard. Upload files or connect a digital data source to generate a new Book automatically.

How can I upload documents for review?

Click on the NEW BOOK, select UPLOAD option, and choose your files or drag-and-drop them. The uploaded document is mapped to the selected Book.

Can I upload new bank statements to an existing Book?

Yes. Open the Book and select UPLOAD option to add new bank statement in to existing Book.

How do I share a Book with other organization members?

Inside a Book, click UPLOAD option and select Manage Sharing option to share the Book.

Document processing and analytics

How do I process pay stubs, W-2s, or 1040s?

Upload the document to a Book and Ocrolus automatically detects the type. After processing, open the Account and Transactions tabs to view extracted data for Pay stubs, W-2s, or 1040s.

How do I generate the Income Worksheet?

Open a Book that contains pay stubs or tax documents and click Export > Income Data. The worksheet downloads as an Excel file.

What is the Transactions page used for?

The Transactions page shows normalized transaction data extracted from bank statements. You can filter and export transactions from this view.

---

API access and integrations

How do I create my API key and secret?

Click on the Account & Settings icon at your screen's top right corner, select API Credentials from the dropdown list, and click on the ADD OAUTH2 API CREDENTIALS button. For more details, see Creating credentials.

Where can I find the API documentation?

Refer to the Ocrolus documentation site.

How do I migrate legacy credentials?

Refer to the Migrating from basic authentication to OAuth 2.0 credentials page on the doc site.

What are the benefits of using webhooks?

Webhooks allow your system to receive real-time updates when documents or Books change status, removing the need for polling.

How do the v1/book/upload and /v1/book/upload/mixed endpoints differ?

Upload PDF to Book (v1/book/upload) is for single-document PDFs, while Upload Mixed Document PDF to Book (/v1/book/upload/mixed) is designed for PDFs that contain multiple document types.

What is the recommended retry strategy for API requests?

Use exponential backoff with retries for temporary failures. Avoid rapid repeated requests and follow Ocrolus best practices for rate limits. For more information, see Retry strategies.

---

User access and security

What should I do if I’m unable to log in or forgot my password?

Use the Forgot password link on the login page. Follow the email instructions to reset your access.

How can I ensure my password meets security requirements?

Create a password that meets Ocrolus complexity rules (length and character mix).

How do I give a user manager-level credentials?

From the Team tab, select three dots against the user name > Manage > Manager > Save.

How do I upload complete statement periods?

Upload the full monthly statement PDFs for each period. Ocrolus validates completeness and flags gaps or missing pages.

What file formats does Ocrolus accept?

Ocrolus accepts PDFs and common image formats such as JPEG, PNG, BMP, and TIFF. Images must be grouped to form a complete document before processing.

What is a form type?

The optional form_type parameter specifies the document type of the uploaded images. If not provided during PDF upload, the system defaults to classifying the document as a bank statement.

Can I be notified automatically when results are ready?

Yes. You can configure webhooks to receive completion event notifications instead of polling. Webhooks are set at the API account level, and supported event types are listed in the webhook documentation.

Can I control which users in my organization can access a Book?

Books can be public or private. Public Books are visible to all users, while private Books are restricted to the owner and explicitly authorized accounts. You can change access using Manage Sharing option in the Dashboard.

---

Business history

What is the business history endpoint?

It lets you retrieve a complete, deduplicated view of a merchant's cash flow history across all applications that are submitted to Ocrolus in a single API call. No more mega-books or manual spreadsheet stitching.

Who is this built for?

Primarily funders who see repeat borrowers. The primary users are underwriters who need historical context at the point of a new credit decision, and risk/data science teams building or monitoring models using longitudinal transaction data.

What does Business History endpoint actually return?

It returns the following information:

• Merchant identity legal name, address, NAICS codes, loan inquiries
• A deduplicated transaction history enriched with the funder's latest tag customizations
• Cash flow summaries, available either per book or by calendar month.

Can I see data from other funders?

No. All responses are strictly scoped to the requesting funder's Org PK. A funder can only retrieve data they have submitted. Cross-org data sharing is on the roadmap but not part of MVP.

Does this require changes to a my existing integration?

Minimal lift. Transaction and summary outputs are schema-compatible with the existing enriched transactions and book_summary endpoints customers already use.

When should I bring this up in a customer conversation?

Lead with it when a customer mentions repeat borrowers, large book processing delays, or manual merchant history workflows. It's also a strong hook for risk and data science teams who need longitudinal data for modeling.

---

Detect

What is Detect?

Detect is an Ocrolus feature that analyzes uploaded documents for signs of digital tampering, anomalies, and file-origin inconsistencies. It provides visual signals and explanations to help reviewers quickly assess document authenticity. To learn more, see Detect.

What is an image-based PDF?

An image-based PDF is a document composed of scanned or rasterized images instead of embedded text. Detect analyzes these by examining pixels and layout patterns to determine whether components may have been altered.

How do I navigate and view Detect signals in the Dashboard?

Open any Book to view highlighted tamper detections along with their associated signals, summaries, and visualizations. To learn more, see signals visualization.

What are Detect signal categories?

Detect organizes findings into categories like Tampering, Added Elements, Removed Elements, Reconstruction, Origin Mismatch, and Formatting Irregularities. Each category groups related indicators for clarity. To learn more, see understanding signals.

How do I interpret File Tampering signals?

Tampering signals highlight potential modifications such as overwritten text, pixel-level edits, inserted content, or altered numbers. Focus on regions with strong heatmap intensity, which indicate higher anomaly confidence.

How do I interpret File Origin signals?

Origin signals compare metadata and structural markers to assess whether a file was produced by a legitimate source. Unexpected generators, inconsistent metadata fields, or mismatched structure may result in warnings. To learn more, see interpreting signals.

What are tampered font signals?

These signals appear when Detect finds inconsistencies in font rendering, glyph shapes, or embedded font data that suggest characters may have been edited or replaced.

What does added font mean?

Added font signals indicate that new glyphs or characters were inserted into the document that do not match the surrounding text’s font family or digital signature. To learn more, see added font signal.

What does “overwritten text” indicate?

This signal highlights areas where text appears to have been covered and retyped, often revealed through pixel inconsistency or mismatched rendering layers. To learn more, see overwritten text signal.

What is a misaligned text signal?

Misaligned text occurs when characters or lines break expected alignment rules. Detect flags unusual spacing, inconsistent baselines, or irregular kerning that may suggest manual text modification. To learn more, see misaligned text signals.

What causes false positives?

A false positive occurs when Detect flags legitimate content as suspicious. This can happen with low-quality scans, compression artifacts, or nonstandard formatting.

What is a recovered document?

A recovered document is one that Detect was able to partially reconstruct despite upload issues or corruption, allowing reviewers to still assess available pages or signals.

How do Detect visualizations work?

Detect visualizations use heatmaps and color overlays to highlight irregular areas. Hover interactions help explain signal meaning, severity, and the specific document component involved.

What do visualization names mean?

Visualization labels correspond to specific signal types such as ink variation, layout shifts, noise patterns, or digital insertions. Each helps reviewers understand the aspect of the document being analyzed.

How can I receive Detect email notifications?

Enable Detect notifications in the Dashboard’s Notifications section to be alerted when suspicious findings, tamper signals, or file-origin concerns are identified.

How do I interpret suspicious activity alerts?

Suspicious activity alerts summarize signals indicating potentially manipulated or inconsistent sections of a document. Review the highlighted regions and explore supporting signals for context.

How do I use the Detect API?

The Detect API allows you to submit documents programmatically and receive signal results via webhook or direct query. To learn more, see Detect API documentation.

What is the Authenticity Score?

The Authenticity Score is a single confidence indicator that summarizes how likely a document is to be genuine based on Ocrolus Detect’s signal analysis. It combines multiple signal categories into an overall assessment of document integrity. To learn more, see the Authenticity Score.

Where can I view the Authenticity Score in the Dashboard?

You can view the score on the detected signal section of any Book. It appears alongside the document’s signal summary, with direct links to view the underlying signals that contributed to the score. To learn more, see the Authenticity Score.

What affects a document’s Authenticity Score?

Signals such as overwritten text, added elements, inconsistent metadata, font anomalies, layout irregularities, and origin mismatches can lower the score. Clean, consistent documents typically score higher. To learn more, see the Authenticity Score.

Can the Authenticity Score trigger alerts?

Yes. If the score falls below your organization’s configured thresholds, Detect can generate notifications or appear in suspicious activity reports depending on your settings. To learn more, see the Authenticity Score.

How should reviewers use the Authenticity Score?

Use the score as a starting point to determine whether deeper review is needed. Open the associated signals to understand which document areas contributed to the score, then confirm findings with manual inspection. To learn more, see the Authenticity Score.

How do False Positives affect the Authenticity Score?

Because the Authenticity Score has confidence built in, true positives should have a lower score and therefore can be prioritized in the flow. To learn more, see the Authenticity Score.

Why am I not seeing Authenticity Score of 0 or 100?

Because we cannot be 100% sure of the Authenticity of a document, we do not return scores of 0 or 100. The lowest possible score is 10. The highest possible score on an image is 80, and the highest possible score on an e-pdf is 90. To learn more, see the Authenticity Score.

Why are some Authenticity Score reason codes are in bold on the Dashboard?

Some reason codes that warrant special attention such as bank statement account number tampered: high confidence are shown in red bold font. To learn more, see Authenticity Score.

Why do I see an asterisk next to some documents?

An asterisk indicates that the document is non-parsable. To learn more, see Authenticity Score.

Why do some docs not have Authenticity Score?

The authenticity score launched on November 15, 2023, and all supported documents were backfilled for 2023. Documents submitted before Jan 1, 2023, as well as unsupported document types, do not have Authenticity Scores. To learn more, see the Authenticity Score.

What is Authenticity Score and Authenticity Status?

Detect always returns an Authenticity Score and an Authenticity Status. The Authenticity Score is the legacy 0–100 numeric view whereas the Authenticity Status is the policy-friendly outcome (binary Low/High or ternary Low/Medium/High) that customers operationalize for routing.

What is the difference between Authenticity Score and Authenticity Status?

Both are derived from the same underlying integrity signals and models. The difference is primarily how the result is packaged for users and policy workflows.

If a customer is contract-bound to Authenticity Score, what should they expect?

They can keep Score-based thresholds and reporting while using Status for easier day-to-day routing. Position this as compatibility with improved usability, not a new or separate engine.

Can Authenticity Score and Authenticity Status diverge?

They should reflect the same underlying integrity assessment. Differences can appear due to configuration or thresholding. Align with the customer’s policy and confirm the intended mapping between outputs. To learn more, see the Authenticity Status.

What are reason codes and evidence?

Reason codes and evidence explain why a file was flagged and provide audit-ready support for reviews, disputes, and compliance.

When can I act on Detect outputs?

Customers can act after processing is complete and Detect outputs are available in the UI or API, using Score and Status with supporting evidence.

Does Detect replace extraction?

No. Extraction tells you what the document says. Detect tells you whether the document can be trusted. Together, they enable faster automation with fewer downstream exceptions.

Can I configure thresholds and outputs?

Yes, you can choose binary or ternary Status and define thresholds and internal actions that determine when documents are flagged.

How should I map Authenticity Status to actions?

A common mapping is:

• HIGH: Proceed or auto-approve
• MEDIUM: Standard review queue
• LOW: Escalate for enhanced review or decline when evidence supports the policy

To learn more, see the Authenticity Status.

What should a reviewer do when Authenticity Status is Medium?

Review the reason codes and evidence, validate key risk factors for the document type, and follow the customer’s policy for additional documentation or escalation.

What document types does Detect support?

Detect is designed for document-driven workflows where document integrity is critical. Currently, Detect supports bank statements (BS), pay stubs (PS), and W-2 forms, with additional document types planned in future releases.

For now we will start with BS, PS and W2 but in coming quarters list of form types will increase. To learn more, see the Authenticity Status.

What types of fraud does Detect help identify?

Detect surfaces signs of manipulation and fabrication and identifies repeat-template reuse patterns that indicate serial or organized attempts.

Is Detect a replacement for identity, device, or verification tools?

No. Detect focuses on document integrity at the file level and complements identity, device, and behavioral tools by closing the document authenticity gap.

---

Plaid

How do I import a Plaid Asset Report into a Book?

Open a Book and select Upload documents, then choose the Plaid Asset Report file. The Dashboard will process it and incorporate the asset data into the Book. You can also do this by using import a Plaid Asset Report API.

How do I upload a Plaid JSON file to a Book?

Use Upload documents in the Book and select the Plaid JSON file. Ocrolus parses the JSON and adds the extracted transaction and account data to the Book automatically. You can also do this by using upload Plaid JSON API.

What types of Plaid data does Ocrolus ingest?

Ocrolus ingests Plaid Asset Reports, PDF statement equivalents, and Plaid JSON containing account and transaction information. Only supported formats and schema-compliant files will be processed. To learn more, see Plaid integration.

How does Ocrolus ingest Plaid data?

When Plaid data is uploaded, Ocrolus normalizes the information, extracts account structures, and populates transactions into the Book. The system treats Plaid data similarly to bank statement extractions, ensuring consistency across workflows. To learn more, see Plaid integration.

How does the Plaid and PDF bank statement flow work?

Ocrolus merges Plaid data and PDF-derived statement data into a unified transaction view within the Book. When both sources are present, users can compare, reconcile, and review the combined dataset directly in the Dashboard. To learn more, see Plaid integration.

How can I fix a corrupt PDF file before uploading it?

If a PDF fails to upload due to corruption, try opening it in a PDF viewer and saving a new copy. You can also print the file to PDF, export it from another application, or use an online PDF repair tool. If the issue persists, re-download the document from the source or request a fresh copy.

Instant

What is Instant document processing?

Instant provides fast, automated bank account verification and transaction extraction using user-permissioned digital data. It is designed to deliver results quickly without requiring document uploads. It's a processing mode in which Books are handled entirely through automated means, without a human in the loop. It's available via the Dashboard or API for eligible document types.To learn more, see Ocrolus instant.

How do I create a Book with Instant?

From the Dashboard, click Create Book and select Instant as the method. Enter the applicant’s details, choose the data source, and follow the prompts to initiate digital data retrieval. To learn more, see Ocrolus instant.

How do I view Books processed with Instant?

The Dashboard displays all Books along with their document processing type, status, connection outcomes, and retrieved financial data. Filters, search, and sorting tools help you find Books and review account-level results. To learn more, see Ocrolus instant.

How do I upgrade from Instant to Complete?

Open an Instant Book and select CONVERT TO COMPLETE to request full document processing. You can then upload PDFs or additional files so Ocrolus can generate full analytics and transaction extraction. To learn more, see Ocrolus instant.

How do I identify the processing method used for a Book?

In the Book Summary page, look for the Processing Type column. It shows whether the Book was handled via Instant or Complete. A blue banner may also appear for Instant Books.

Where can I view Book and document status?

The Book Summary page displays overall Book status.

Why might a document be rejected under Instant?

Documents can be rejected by Instant if they are unsupported, of invalid type, or require human validation. In those cases you may convert the Book (or document) to Complete. To learn more, see Ocrolus instant.

When does Ocrolus automatically transition a Book from Instant to Complete?

If any documents in a Book cannot be processed through Instant (e.g., unsupported bank statements), then the Book may automatically be re-processed via Complete if configured.

How long does Ocrolus take to process a loan?

Processing times vary based on the number of documents, their quality, and whether Instant or Complete processing is used. In most cases, results are available within minutes for Instant and within a few minutes to hours for Complete, depending on volume and complexity.

How does Income Verification with pay stub Capture work?

Paystub Capture allows applicants to upload pay stubs digitally through a guided experience. Ocrolus extracts earnings, employer details, and income metrics automatically, enabling lenders to verify income without manual data entry.

Why is human-in-the-loop (HITL) important at Ocrolus?

Human-in-the-loop review ensures accuracy in cases where automation is insufficient due to document quality, unusual layouts, or ambiguous data. Expert reviewers validate extracted information and correct edge cases, improving reliability for lenders.

SKU

Does Classify extract data from documents?

No, Classify identifies and routes documents only. Use a Capture SKU such as Bank Statement Analysis or Income to extract structured data from classified documents.

Can Classify handle mixed or mislabeled document packages?

Yes, Classify works on mixed packages across any image quality and submission format without pre-sorting. Every page is analyzed individually and assigned to the correct document type regardless of how the package was assembled.

Does Classify run automatically as part of other SKUs?

Yes, Classify is included in all Mortgage per-application tiers. When sold as a standalone product, it runs in a dedicated org separate from combined classify and capture workflows.

What happens to documents Classify cannot identify?

Unclassified pages are returned as UNKNOWN. Use the process_unknowns parameter in the classification API to enable unknown page reassignment, which attempts to reassign unclassified pages to a known form type.

Can Classify be used without a Capture SKU?

Yes, Classify can be purchased as a standalone product. In this case it runs in a dedicated org separate from combined classify and capture workflows.

Which financial institutions are supported?

Bank Statement Analysis works across statement formats from any financial institution — there is no approved institution list.

Can multi-account and multi-month packages be submitted together?

Yes, multi-month and multi-account packages are supported in a single submission.

What image quality is required?

No minimum resolution is required. Bank Statement Analysis works across all scan quality levels including low-resolution scans and photographed statements.

Does this SKU support digital bank data from Plaid?

No, digitally sourced bank data requires the Digital Analytics or Docs2Digital SKU.

What does the output include?

Output includes individual transactions with dates, amounts and running balances, tagged and categorized for downstream analysis.

Which document types does Income support?

Income supports pay stubs, W-2s and verification of employment (VOE) forms.

Are handwritten or photographed income documents supported?

Yes — handwritten and photographed documents are supported in addition to digital submissions.

Is output consistent regardless of issuer or layout?

Yes, output is returned in a consistent format regardless of issuer or layout variation.

What fields are included in the output?

Output includes gross and net pay, pay period, employer name, year-to-date figures and other standard income fields.

Which identity document types are supported?

Identification supports driver's licenses, state IDs, passports and similar government-issued identity documents.

Are documents from all US states and jurisdictions supported?

Yes, output is consistent across issuing jurisdictions and document generations.

Are mobile photo submissions supported?

Yes, both physical card scans and mobile photo submissions are supported.

What fields are extracted?

Output includes name, address, date of birth, document number and expiration date.

Which tax form types are supported?

Tax Forms supports W-2s, 1099s, 1040s and supporting schedules.

Can multi-year filings be submitted together?

Yes, multi-year filings are processed as a single package.

Are low-resolution or scanned copies supported?

Yes, originals, scanned copies and low-resolution submissions are all supported.

Is output consistent across different tax years?

Yes — the output format accounts for issuer and year-over-year layout variation.

What types of documents fall under Other Documents?

Other Documents covers ancillary forms, supplemental schedules, supporting letters and specialized records that appear in lending and financial intake packages but don't fit a named billing category.

Is the accuracy the same as other Capture SKUs?

Yes, Other Documents applies the same 99%+ accuracy extraction pipeline used across all Ocrolus capture products.

What if a document type is not covered?

For document types not covered by any billing family, reach out to Finance for guidance.

What types of manipulation does Detect flag?

Detect flags edited transaction amounts, substituted images, altered pay stub data and synthetic document generation before files advance in the underwriting workflow.

Does every document receive an assessment?

Yes, every document receives an authenticity assessment regardless of whether manipulation is detected.

Is the output a simple pass/fail?

No, evidence is surfaced at the document and field level so reviewers get specific signals rather than a binary pass or fail.

When in the workflow does Detect run?

Detect runs before files advance in the underwriting workflow, flagging material alterations early so reviewers can act before a decision is made.

What does pixel-level forensics mean?

Detect analyzes the actual image data and metadata at a pixel level to identify alterations that may not be visible to the naked eye.

SMB Cash Flow App

How many data points does the output include?

SMB Cash Flow App returns more than 500 data points per submission, including monthly revenue, expense breakdowns, transaction-level categorization, non-sufficient funds activity and industry benchmarks.

How quickly is output returned?

Processing completes in under 10 seconds per submission.

How is SMB Cash Flow App billed?

SMB Cash Flow App is billed per application — as a bundle of the submitted bank statements in a single Book.

Can digital bank data be analyzed with this SKU?

Digital bank data requires the Docs2Digital or Digital Analytics SKU before it can be analyzed with SMB Cash Flow App.

What is BSIC?

BSIC (Bank Statement Income Calculator) is the legacy name for SMB Cash Flow App. Some contracts may still reference the BSIC name.

When does Plaid Monitoring begin?

Plaid Monitoring begins after origination and refreshes transaction and balance data on an ongoing basis over the life of a loan.

What data is refreshed?

Transaction data and account balances are refreshed from the connected Plaid account.

Does Plaid Monitoring work without a Plaid connection?

No,the borrower account must be connected through Plaid for Plaid Monitoring to function.

What is the difference between Digital Analytics and Bank Statement Analysis?

Bank Statement Analysis extracts data from uploaded bank statement documents. Digital Analytics computes analytics from digitally sourced bank data such as Plaid-connected accounts — no document upload required.

Is the output format the same as document-based analysis?

Yes, Digital Analytics returns output in the same format as document-based analysis, without requiring a separate pipeline.

Does Digital Analytics require a separate pipeline?

No — output is returned in the same format as document-based analysis without a separate pipeline.

What does Docs2Digital convert?

Docs2Digital converts uploaded bank documents into the same structured digital format produced from connected bank data.

Why would I use Docs2Digital?

Docs2Digital allows document-sourced and digitally sourced files to be analyzed together in one consistent output — useful when borrowers submit a mix of uploaded statements and connected account data.

Is Docs2Digital required before using Digital Analytics?

Yes, if you have uploaded bank documents that you want to analyze alongside Plaid-sourced data, Docs2Digital converts them into a compatible format first.

What is an ISO?

An ISO (independent sales organization) is an intermediary that routes merchant cash advance deal submissions to funders.

How is ISO Applications billed?

ISO Applications is billed per form within the Other Documents billing family.

What does ISO Applications extract?

ISO Applications extracts structured data from merchant cash advance submission packages so funders can process deal submissions without manual entry.

What is the double opt-in model?

Both the sending and receiving party must consent before a borrower file is shared — this preserves relationship controls and prevents unauthorized data access.

Does Encore work with Plaid-sourced files?

Yes — Encore is available for both bank statement and Plaid-sourced files.

What analytics are shared via Encore?

Encore shares all computed Ocrolus analytics from the submitted documents — including cash flow, income and fraud signals.

Can any Ocrolus user share files via Encore?

Both parties must be active in the Ocrolus network and both must opt in before a share can be completed.

Mortgage Pre-Qual Application

What document types does Mortgage Pre-Qual Application cover?

Mortgage Pre-Qual Application covers income and asset document types only — pay stubs, W-2s, tax returns, and bank and asset statements.

What is the page limit for Mortgage Pre-Qual Application?

Mortgage Pre-Qual Application has a 50 page limit per application.

When should I use Pre-Qual vs a full Analyze tier?

Pre-Qual is designed for early pipeline and pre-qualification workflows before a full underwriting package is submitted. Use Analyze for full underwriting.

What document types does Home Equity Mortgage Application cover?

Home Equity Mortgage Application covers the application form, income and asset documentation and supporting borrower records from home equity and HELOC application packages.

What is the page limit for Home Equity Mortgage Application?

Home Equity Mortgage Application has a 75 page limit per application.

Is output GSE-aligned?

Yes, output is organized by document type and borrower in a GSE-aligned format at 99%+ accuracy.

What is included in Analyze?

Analyze includes everything in Classify, plus data capture and the analysis layer — income calculations, bank statement income calculation, and asset analytics, with rep and warranty coverage.

What is the page limit for Analyze?

Analyze has a 350 page limit per application.

Does Analyze include Inspect?

No, Inspect is a separate layer available in the Analyze Inspect and Analyze + Inspect (Comprehensive) tiers.

What output does Analyze return?

Analyze returns calculated qualifying income and asset analysis for the borrower from submitted pay stubs, W-2s, tax returns and bank statements.

What does Inspect add on top of Analyze?

Inspect automatically generates underwriting conditions from submitted documents, the 1003 and AUS findings, and surfaces Inspect insights that flag discrepancies for underwriter review.

Can conditions be imported directly into an LOS?

Yes, conditions are formatted for direct import into the Loan Origination System.

Does Analyze + Inspect sync with Encompass?

Yes, two-way Encompass sync is included.

What is the page limit for Analyze + Inspect?

Analyze + Inspect has a 350 page limit per application.

What does Comprehensive add on top of Analyze + Inspect?

Analyze + Inspect (Comprehensive) adds collateral and title conditions, a complete QC checklist across tax, insurance, HOA and property documents, and investor-specific tasks, compliance checks and overlays.

What is the page limit for Analyze + Inspect (Comprehensive)?

Analyze + Inspect (Comprehensive) has a 350 page limit per application.

Is Analyze + Inspect (Comprehensive) the highest mortgage tier?

Yes, Analyze + Inspect (Comprehensive) is the full conditioning tier and the highest available Mortgage SKU.

What document types does Consumer Application cover?

Consumer Application covers W-2s, pay stubs and bank statements.

What is the page limit for Consumer Application?

Consumer Application has a 25 page limit per application.

Is Consumer Application a bundle?

Yes, it combines bank statement, income and identity document extraction in a single intake workflow optimized for consumer lending.

Which vertical is Consumer Application designed for?

Consumer Application is designed for consumer lending only — it is not intended for SMB or mortgage workflows.