Skip to main content
All CollectionseDocs
E-file Authorization using KBA

E-file Authorization using KBA

Liscio Support avatar
Written by Liscio Support
Updated over a week ago

Important: The IRS requires identity verification for e-Signatures. Liscio helps meet this requirement using KBA, a secure way to confirm a signer’s identity before they sign an eDoc. If the signer’s identity cannot be verified, a handwritten signature is necessary.

What is KBA?

KBA (Knowledge-Based Authentication) asks the signer a series of personal, multiple-choice questions based on their credit history.

This ensures:

  • IRS-compliant identity verification

  • A secure and easy signing experience

  • Peace of mind for both firms and clients

Using KBA in Liscio

  1. When sending an eDoc, look for the KBA checkbox in the upper-right corner.

  2. Check the box to turn on identity verification.

  3. Send the eDoc. The client will complete the process by answering security questions.

Note: KBA is an additional $2 for each signer on an eDoc, and is in addition to the $1 eDoc cost.

mceclip0.png

How does Liscio use KBA?

  1. Your client will be asked four questions.

  2. If they miss one question, they'll receive two more questions to answer correctly.

  3. They have four total attempts to pass the KBA.

  4. If all attempts are unsuccessful, the agreement will be canceled, and an automatic comment will notify the Task Owner of the failure.

How does KBA work?

Liscio partners with Adobe and uses LexisNexis, a leading KBA provider. The questions are randomly generated from the client's credit history and may involve past purchases, rentals, and addresses.

Can your clients fail KBA?

Yes, though it is rare. Reasons for failure include:

  1. Insufficient credit history to generate questions

  2. Being a new adult or new citizen

  3. Extensive time spent outside the U.S.

  4. Receiving questions about another person

  5. Incorrectly answering questions

  6. Choosing an almost correct answer instead of "None of the Above"

  7. Not knowing the answers

What should you do if a client fails KBA?

You have two options:

  1. Resend the eDoc with KBA for another attempt

  2. Send as a PDF for the client to print, sign by hand, and upload using the Liscio mobile app

Pro Tip: Improve Success Rate

Before starting the KBA, your client can enter the last four digits of their Social Security Number. This helps generate more accurate questions and improves their chances of passing.

Did this answer your question?