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E-file Authorization using KBA
E-file Authorization using KBA
Liscio Support avatar
Written by Liscio Support
Updated this week

Important: The IRS requires identity verification for e-Signatures. If the signer’s identity cannot be verified, a handwritten signature is necessary.

What is KBA?

Liscio offers Knowledge-Based Authentication (KBA) for eDocs to ensure secure, verified e-Signatures. Signers will answer multiple-choice questions to confirm their identity.

Benefits of KBA

  • Ensures IRS-compliant identity verification

  • Provides a seamless and secure signing experience

  • Easy to enable when sending documents

Using KBA in Liscio

  1. When preparing to send an eDoc, locate the KBA checkbox in the upper-right corner.

  2. Select the checkbox to enable identity verification.

  3. Send the eDoc—your signer will complete the verification by answering security questions.

Note: KBA can be purchased as an add-on with eDocs for enhanced security and a better user experience.

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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 will need to resend the eDoc and KBA again if you want your client to retry, otherwise, send this as a PDF for the client to print, physically sign, then scan back in using the mobile app.

How can your clients improve their chances of passing KBA?

When starting the KBA, your client can optionally provide the last four digits of their Social Security Number. This helps generate more accurate questions related to their information and significantly reduces the chances of failure.

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