How KBA Works in Remote Online Notarization
Identity verification is the foundation of legitimate remote online notarization. Every RON must include robust identity verification to ensure the signer is who they claim to be. Here's how the two primary methods work.
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Buy the Full Guide — $1.99What Is KBA (Knowledge-Based Authentication)?
KBA presents signers with a series of multiple-choice questions based on their credit file and public records. Questions might relate to past addresses, loan amounts, vehicle registrations, or other personal data. Signers must answer correctly within a time limit (typically 2 minutes). Most states require a minimum score of 5/5 or 4/5 correct answers.
What Happens If a Signer Fails KBA?
If a signer fails KBA, the notary cannot proceed with the remote notarization. Depending on the platform, they may get one or two attempts. Failure reasons: the signer has a thin credit file (common for recent immigrants), they're answering incorrectly, or there's a freeze on their credit. In these cases, the signer typically needs an in-person notarization instead.
Credential Analysis (ID Verification)
In addition to KBA, most RON platforms require credential analysis: the signer presents a government-issued ID (driver's license, passport) to a camera, and automated software verifies authenticity. The system checks for security features, tampering, and matches the photo to the signer's face. This two-factor approach (KBA + credential analysis) is required in most RON states.
Who Pays for Identity Verification?
RON platforms typically include KBA and credential analysis costs in their per-transaction or subscription fees. Some charge separately per signer. As a notary, you factor these costs into your pricing. Most platforms bundle verification into their fee structure.
Record Retention of Verification
All RON transactions must include a complete audio-visual recording of the session (typically stored for 5–10 years depending on state). The recording must capture the entire notarization including identity verification. Your RON platform handles storage — confirm their retention policy meets your state's requirements.
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