Income Verification Software

Any organization that requires the automation of income from the ANAF (Romanian National Agency for Fiscal Administration) can benefit from the Qoobiss ANAF solution. This service is used to verify the income of individuals based on a signed consent form and a Personal Numeric Code. As an income verification software option, ANAF provides information on the financial status of an individual, including employees, those with pensions, or individuals without income.

The process of verifying income ensures compliance with AML as well as any anti-fraud regulations. Using digital income verification reduces human error and speeds up transactions that may require income verification. It is commonly used with loan applications, government assistance programs, and even rental agreements. Automated income verification leads to a better customer experience along with lower operational costs.

What Qoobiss ANAF Solves

The Qoobiss income verification solution replaces the need for manual processes and provides an instant verification from payroll providers and bank transactions. It solves issues pertaining to high fraud risks, human errors, and lengthy approval times. The software is useful for verifying non-traditional income, such as money earned by independent contractors or gig workers. This makes it possible for those with self-declared income to have their income verified quickly with the highest level of security. 

ANAF ensures reliable data handling that eliminates any human error while providing compliance with regulations. Instead of having to manually collect and enter documents, the software automates the process and provides a near-instant response. It also reduces the risks of any forged pay stubs or employment that is misrepresented. The overall process increases the speed of transactions, quickly verifying income so that approval times are faster.

Official Income and Verification via ANAF

Qoobiss ANAF is an enterprise-grade solution designed for financial institutions, non-banking financial institutions (NBFIs), and organizations that require the automated verification of individual income directly from the official ANAF (Romanian National Agency for Fiscal Administration) source.

The solution applies exclusively to natural persons (individuals) and performs income verification based on their Personal Numeric Code (CNP) and a signed consent form. The solution enables the automatic interrogation of the ANAF database and returns, through a fully digital workflow, structured information on the individual’s financial status, such as:

• Employee (with one or multiple employers)

• Pensioner

• Parental leave recipient

• Individuals without income or with ineligible income sources

When verifying income, the process is conducted by accessing data from the National Agency for Fiscal Administration. During the official income data verification, bank records are accessed, which are reported to ANAF. The automated system ensures that all figures are confirmed by official sources, which reduces the chances of fraud.

By using our automated process, it is possible to retrieve verified income data within seconds from ANAF. There is no human intervention that could lead to errors or time delays, making this a trusted source of income verification for lending. 

How Automated Income Verification Works

Automated income verification is a seamless process and starts by obtaining the consent of the individual. Here, the client will sign a digital consent form. Once complete, the platform will send the name and consent file through the Qoobiss platform. A request is sent to ANAF using M2M credentials. When ANAF receives the request, it will be validated, and ANAF will return an encrypted file. This contains the official income details. Qoobiss will translate the XML file so that it is readable. The results are sent to the client via API, which is prepared for use in KYC or credit scoring.

Key Capabilities

Qoobiss income verification software capabilities are:

1. Instant income verification – Retrieve verified income data from ANAF in seconds, replacing manual document collection.

2. Fully automated process – From consent to data delivery, the entire flow runs without human intervention.

3. Standardized financial insights – Receive structured XML and interpreted data that fit seamlessly into credit scoring and onboarding systems.

4. Regulatory compliance – Fully aligned with ANAF, BNR, and GDPR requirements for data access and storage.

5. High security by design – End-to-end encryption, digital certificates, and audit-ready logging for every request.

6. Easy integration via API – Plug-and-play REST API with minimal setup and clear documentation.

7. Smart interpretation layer – Qoobiss automatically classifies ANAF data into clear categories: Employee, Pensioner, Parental Leave, or No Income.

8. Customer-centric experience – Simplifies client journeys by eliminating the need for physical tax documents.

9. Proven reliability – Implemented and validated by major partners, with a strong and growing customer portfolio.

This trusted system makes use of APIs to collect data and uses automatic retries when any API fails. There are also fallback options, including prompting the user to upload documents like pay stubs or bank account verifications. 

Compliance, Security & Trust

With Qoobiss, compliance is a main focus. The automated system handles sensitive data and adheres to GDPR. Bank-grade encryption is used when sending reports, and explicit user consent must be obtained before reports can be requested. These security measures reduce fraud and speed up approvals while remaining legally compliant. The system aligns with financial regulatory requirements, including AML and KYC requirements, fair lending laws, and data protection and privacy requirements.

Built for Lending & KYC Use Cases

This income verification software is a top option for lenders and organizations that are required to complete a KYC process. As an automated system, lenders are able to quickly determine the income status of applicants. This software is used by mortgage companies as well as rental or property management companies to validate employment and bank data. The near-instant verification process results in faster approval times and fewer instances of forged documents or fraud. The income verification API connects lenders to the payroll data and bank transactions of borrowers.

With income verification for KYC, the user’s financial status is validated for credit risk assessment and AML compliance. Faster digital onboarding, improved accuracy, and fraud reduction are a few of the benefits. The confirmation of earnings is done by accessing data from banks and tax authorities, including ANAF and the. Replacing manual document review, this automated system provides fast response, which increases the speed of onboarding.

How ANAF Fits into the Qoobiss Platform

Qoobiss offers an end-to-end compliance platform that provides AI-driven solutions to manage risk and meet regulatory requirements. ANAF integrates with the Qoobiss platform to deliver automated and real-time income verification for individuals and legal organizations. The system works seamlessly with ONTRACE, which is the main identity verification software from Qoobiss. It is also used with ORIGIN to speed up the process of onboarding new customers. 

Qoobiss is a trusted risk intelligence platform that includes all the tools needed to identify, analyze, and minimize risks. This is all done in real-time. With the income verification system offered, tax authority income verification is conducted by collecting data from the as well as ANAF, leading to better customer satisfaction due to faster approvals and customer acceptance.

Request a Qoobiss demo to see how our income verification tool can provide multiple benefits and ensure complete compliance.