OCR Studio and FinOn have partnered to explore combining identity document verification, card-data capture and payment authentication. The companies plan to connect their complementary technologies across customer onboarding and online checkout, with options for businesses to process sensitive information locally.
OCR Studio contributes document authentication and scanning. Its OCR ID-verify service checks document authenticity and compares visible information with machine-readable zones, barcodes and near-field communication chip data where supported. Processing can take place on a customer’s device or within a business’s own infrastructure.
Its OCR BANK-scan tool captures supported card information, including the number, expiry date and cardholder name. The company says recognition can run on a device, in a browser or on an on-premises server without sending the card data to an external scanning service.
FinOn supplies 3D Secure technology for payment providers and issuers. The protocol allows payment systems to authenticate a cardholder during an online purchase. Its server initiates and manages authentication, while software development kits support the process inside iOS and Android applications.
FinOn offers on-premises and cloud-hosted server deployments. Its mobile SDKs collect device information and communicate with issuers, triggering an additional verification challenge when required. The server handles authentication requests, responses and challenge flows, returning the final result for authorization. An issuer-side Access Control Server evaluates transaction risk and applies the issuer’s authentication policies.
The partnership brings those payment functions alongside document and card scanning. OCR Studio chief technology officer Konstantin Bulatov said the companies see an opportunity to extend data-capture capabilities from onboarding to checkout. FinOn chief commercial officer Alexander Morsakov said the collaboration combines document verification with payment authentication expertise.
OCR Studio has previously introduced on-device age verification designed to detect alterations to a document’s date-of-birth field. That system analyzes localized inconsistencies in an ID image, then extracts age information without requiring remote image processing.
The company also developed a browser-based scanner for Arabic identity documents, using WebAssembly to run recognition locally. That implementation supports documents combining Arabic and Latin text, with selfie matching and liveness checks. The FinOn partnership expands OCR Studio’s collaboration into payment authentication, covering both browser checkout and mobile app payment flows.
Sources: OCR Studio, FinOn
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By the ID Tech Editorial Team
