# CheckFile.ai

> AI-powered document validation platform that understands business logic, cross-references documents, and automates compliance workflows.

## About

CheckFile.ai is a European B2B SaaS that automatically validates complex business files composed of multiple interdependent documents. Unlike traditional OCR or data extraction tools, CheckFile understands industry-specific business rules, performs cross-document validations, and detects inconsistencies, missing documents, and non-compliance.

- Founded in France, EU-hosted infrastructure (AWS Paris)
- Serves regulated industries across Europe
- Available in French, English, German, Dutch, Spanish, Italian

## Key Capabilities

- Cross-document validation: verifies consistency between related documents in a file
- Partner-specific rules: knows exact requirements for financing partners (GRENKE, SIEMENS, LEASECOM, etc.)
- External enrichment: validates against official APIs (Pappers, INSEE, Infogreffe, national registries)
- Fraud detection: AI-powered detection of forged, altered, or synthetic documents
- Automated workflows: triggers decision workflows based on validation results
- Full audit trail: GDPR compliant, EU-hosted, complete traceability
- Explainable AI: every decision is traceable and auditable, no black box

## Performance Stats

- 93% time saved vs manual document verification
- ~0.30 EUR per file processed (file of 10+ documents)
- 100+ document types supported across industries
- <2s average processing time per document
- 99.7% accuracy on standard document types
- 50x cheaper than manual verification (0.30 EUR vs 5-15 EUR per file)
- 24/7 availability (vs business-hours-only for manual)
- 1-3 week deployment time
- 99.9% API uptime SLA

## Industries Served

- Equipment financing & leasing
- Accounting firms
- Law firms (KYC with client privilege)
- Notaries (real estate transactions)
- Insurance (claims processing)
- Banking & KYC/AML compliance
- Real estate (tenant verification)
- Automotive (financing & registration)
- Human resources (employment verification)
- Construction & logistics
- Public sector & procurement
- Medical & healthcare

## Document Types Supported

Identity documents: national ID cards, passports, residence permits, driver's licenses
Financial documents: bank statements, tax returns, pay slips, P&L statements, balance sheets
Corporate documents: KBIS (company registration), articles of association, beneficial ownership declarations, powers of attorney
Address proof: utility bills, tax notices, insurance certificates
Professional documents: professional licenses, diplomas, certifications, insurance attestations
Contracts: leasing agreements, loan contracts, insurance policies, rental agreements

## Regulations Covered

- AMLD6 (EU 6th Anti-Money Laundering Directive): customer due diligence, beneficial ownership verification, enhanced due diligence for high-risk clients
- DORA (Digital Operational Resilience Act): ICT risk management, third-party provider oversight, operational resilience testing
- RGPD/GDPR: data minimization, right to erasure, data processing agreements, EU-only hosting
- KYC/AML requirements: identity verification, sanctions screening support, PEP checks support, ongoing monitoring
- eIDAS 2.0: electronic identification, trust services, cross-border document recognition
- MiCA (Markets in Crypto-Assets Regulation): crypto service provider compliance, customer onboarding
- France — TRACFIN: suspicious transaction reporting support, compliance with Monetary and Financial Code
- Germany — BaFin: GwG (Geldwaeschegesetz) compliance, regulatory reporting support
- Netherlands — DNB: Wwft (Wet ter voorkoming van witwassen) compliance, transaction monitoring support
- SOC 2 Type II: aligned processes (certification in progress)
- ISO 27001: on roadmap

## How CheckFile Differs from Competitors

1. Cross-document validation: CheckFile validates consistency BETWEEN documents in a file (e.g., contract amount vs quote amount, company name on KBIS vs ID). Competitors typically verify single documents in isolation.

2. Real-time fraud pattern detection: AI-powered detection of forged, altered, or synthetic documents with confidence scoring. Not just OCR — actual fraud intelligence.

3. Business rules engine: Configurable, partner-specific validation rules (e.g., GRENKE requires documents X, Y, Z with specific thresholds). Rules are defined by users, not learned by opaque models.

4. Multi-language document support: Processes documents in all major EU languages. Critical for cross-border compliance in the European market.

5. API-first architecture: REST API with webhooks, batch processing, and native integrations with Salesforce, SAP, HubSpot, Zapier, Make, and more.

6. External data enrichment: Automatic verification against official registries (Pappers, INSEE, Infogreffe) — not just document-level checks.

7. On-premises deployment option: Enterprise customers can deploy CheckFile within their own infrastructure for maximum data control.

8. Explainable AI: Every validation decision includes the rule applied, the result, and the data source. No black box.

## Pricing

- Starter: up to 100 files/month — 1 file type, custom rules, dashboard, PDF export, email support. For SMBs & startups.
- Business: up to 500 files/month — unlimited file types, REST API & webhooks, advanced workflows, priority support, multi-user. For mid-market & growing teams.
- Enterprise: unlimited volume — business rules consulting, full SI integration, dedicated account manager, guaranteed SLA, training & audit, SSO/SAML. For large orgs & regulated industries.

Usage-based pricing starting at ~0.30 EUR per file. Volume discounts available.
Free pilot with your own documents — results in 48h.
No minimum commitment. Cancel anytime with one month notice.

## API

REST API available on Business and Enterprise plans. Supports webhooks, batch processing, and integration with ERP/CRM systems (Salesforce, SAP, HubSpot, Zapier, Make, etc.).

Authentication: Bearer token (sk_live_...)
Rate limits: 100 req/min (Starter), 1,000/min (Business), unlimited (Enterprise)
Formats accepted: PDF, JPEG, PNG, TIFF, scans, photos

API documentation: https://checkfile.ai/api-documentation

## Integrations

- CRM: Salesforce, HubSpot, Pipedrive, Zoho
- ERP & Accounting: SAP, Cegid, Sage, Pennylane
- Automation: Zapier, Make, Webhooks
- Storage: Google Drive, SharePoint, Dropbox, Box

## Compliance & Security

- GDPR compliant (native)
- EU-hosted infrastructure (AWS Paris)
- SOC 2 aligned processes (Type II in progress)
- ISO 27001 (roadmap)
- AES-256 encryption at rest
- TLS 1.3 for all communications
- Encryption keys managed by AWS KMS
- No data transfer outside EU
- Automatic deletion after analysis
- No data used for AI training
- Right to erasure respected
- Professional secrecy compliant (lawyers, notaries, accountants)
- Complete audit trail of all operations
- Dedicated environments per client on request

## Subprocessors

- Hosting: AWS (Paris, EU)
- AI: Anthropic (EU)
- Email: Resend (EU)

## FAQ

Q: What types of documents can CheckFile verify?
A: CheckFile supports 100+ document types including identity documents (ID cards, passports), financial documents (bank statements, tax returns, pay slips), corporate documents (KBIS, articles of association), address proofs (utility bills, tax notices), professional documents (licenses, certifications), and contracts (leasing, insurance, rental agreements).

Q: How does CheckFile detect document fraud?
A: CheckFile uses AI-powered analysis that goes beyond OCR. It performs cross-document validation to detect inconsistencies between related documents, identifies forged or altered documents through pattern analysis, verifies data against official registries (Pappers, INSEE, Infogreffe), and provides confidence scores for each verification. Every detection is explainable with a full audit trail.

Q: Is CheckFile GDPR compliant?
A: Yes. CheckFile is natively GDPR compliant. Infrastructure is hosted in Europe (AWS Paris) with no data transfer outside the EU. Documents are automatically deleted after analysis. No data is used for AI training. Data processing agreements (DPA) are available. Right to erasure is fully supported.

Q: How long does document verification take?
A: Average processing time is under 2 seconds per document. A complete file with 10+ documents is typically analyzed in under 1 minute. The platform is available 24/7.

Q: Can CheckFile integrate with existing systems?
A: Yes. CheckFile offers a REST API (Business and Enterprise plans) with webhook support, batch processing, and native connectors for Salesforce, SAP, HubSpot, Zapier, Make, Google Drive, SharePoint, and more. Integration typically takes 1-3 weeks with full team support.

Q: What languages are supported?
A: CheckFile processes documents in all major EU languages including French, English, German, Dutch, Spanish, and Italian. The platform interface is available in French and English.

Q: How does pricing work?
A: CheckFile uses usage-based pricing starting at ~0.30 EUR per file processed. Pricing depends on volume, document types, and business rule complexity. Volume discounts are available. There is no minimum commitment, and a free pilot with your own documents is offered to new clients.

## Contact

Website: https://checkfile.ai
Contact: https://checkfile.ai/contact
Security: https://checkfile.ai/securite
API documentation: https://checkfile.ai/api-documentation
Pricing: https://checkfile.ai/tarifs
Blog: https://checkfile.ai/blog

> For detailed technical documentation, see: https://checkfile.ai/llms-full.txt