Salary slip fraud (non-US)

Fake Salary Slip Detection — catch tampered UK, India, Australia, and EU payroll PDFs

Built for fraud ops at lending, insurance & compliance teams

UK BGV operators, Indian NBFC underwriters, Australian property managers, and EU embassy visa reviewers all face the same non-US pattern: a candidate downloads a real salary slip from Sage Payroll, Xero, MYOB, Tally, Zoho Payroll, Keka, GreytHR, or RazorpayX, opens it in any PDF editor, edits the gross or the net, exports back to PDF. The page renders identically. The file structure does not — and we detect the edit regardless of which tool was used.

~3 sec
per document
59 checks
forensic layers
From $15
per month
1,500+
docs / month on Growth
Scope

HTPBE? analyzes the structural layer of the PDF file — the layer that records every edit, even invisible ones. We don’t inspect holograms, phone photos, or ID biometrics. If your fraud problem is a digitally altered or fabricated salary slip, we’re the most specific tool for it.

When HTPBE? returns INCONCLUSIVE on a salary slip, that’s itself a fraud signal in this context — real salary slips always come from a payroll system, never from a desktop tool.

The problem

Modern document fraud is invisible to visual review

A growing class of document fraud opens a genuine PDF, edits a balance, a date, or a beneficiary, and re-saves it. Visually nothing changes — the document passes pixel-level review, layout review, and KYC.

Structural PDF analysis reads the layers rendering engines never expose: revision history, object structure, signature coverage maps. That is where edits leave fingerprints they cannot wipe.

Common tampering patterns

  • Modified balances or totals after export
  • Swapped IBAN or beneficiary on invoices
  • Post-signature edits on contracts
  • Backdated issue and modification dates
  • Fabricated documents from consumer PDF tools

What this looks like

How fake and tampered salary slips actually look

Three real fraud mechanics we catch at the structural PDF layer.

01

Edit-and-re-save with adjusted figures

Candidate downloads the real PDF from their HRMS, opens it in any PDF editor or spreadsheet, changes the gross or basic, exports as PDF. The producer field reveals an editor — not the payroll system that issued the original. A clean structural fingerprint of tampering, regardless of which tool was used.

02

Generator-tool fabrication

Online "salary slip generator" sites produce a plausible-looking PDF for any employer name and salary the user types in. These tools leave a recognisable producer signature (often Chrome Headless or a specific PDF library) and miss the institutional metadata authentic payroll exports carry.

03

Gross-to-net arithmetic that does not reconcile

When a candidate edits the gross figure but forgets the deductions, the math no longer adds up. Row-by-row arithmetic checks across the slip flag this even before structural analysis kicks in — a high-confidence signal that the PDF was hand-edited.

The scale

1 in 8
job applicants misrepresent earnings on background checks
~3 sec
per salary slip via API
$0
of model training — runs on file structure, not content

Why your existing checks miss this

Database lookups check the person. They do not check the file.

Both layers matter. Most teams only run one.

Background-fraud-detection platforms confirm employment by calling the previous employer or checking a registry. They cannot tell you whether the PDF the candidate uploaded was edited after issuance. KYC and identity vendors check the identity behind the document — not the bytes inside the PDF. Manual HR review catches obvious fakes (typos, wrong tax codes), but a clean re-save through any editor passes a visual check every time. HTPBE? fills the structural-PDF layer those workflows do not provide — and works standalone, without a reference original.

Results in under 3 seconds30 to 1,500+ documents/monthFrom $15/mo

What HTPBE? checks

Detection capabilities

Deterministic structural signals. No probabilistic scores, no model training.

Producer signature on the PDF

Real salary slips come from a known regional HRMS — Sage Payroll, Xero, MYOB, Tally, Zoho Payroll, Keka, GreytHR, RazorpayX, or a country-specific payroll engine. When the producer field shows Microsoft Excel, LibreOffice, Chrome Headless, or a generic PDF library, the document was authored on a desktop — not exported from a payroll system.

Incremental update trail

Every save after the original export creates an incremental update section in the PDF — visible in the xref table and trailer chain. Authentic payroll exports have one xref. Edited slips have two or more.

Gross-to-net arithmetic

Table arithmetic across earnings, deductions, and net pay is checked row by row. A single edited number breaks the chain — a marker most generator tools fail to fake.

Font subset divergence across pages

When a slip is edited in multiple sessions or assembled from multiple sources, font subset prefixes diverge between pages. Invisible to the eye, obvious to structural analysis.

Text layer vs. raster layer mismatch

Some fraudsters replace text in the rendered image while leaving the underlying text layer untouched. The two layers stop agreeing — an immediate flag.

Modification timestamp gap

Authentic salary slips have ModDate equal or near CreationDate. A gap of hours, days, or weeks between creation and modification on a "monthly slip" is structural evidence of post-export editing.

Share with engineering

Wire this into your intake pipeline in under a day

Two API calls — one POST to submit the PDF, one GET to retrieve the verdict. Forward this page to your engineering team; the full API reference, quotas, and copy-paste examples in cURL, JavaScript, Python, PHP, Go, and Ruby are one click away.

Pricing

Self-serve plans, no sales call

All plans include the same forensic checks. Pick the quota that matches your monthly document volume.

manual

Starter

$15/mo

30 checks/mo

Manual spot-checks and integration testing

most common

Growth

$149/mo

350 checks/mo

Active document processing pipelines

high volume

Pro

$499/mo

1,500 checks/mo

High-volume automation and API integrations

Enterprise (unlimited, on-premise available) see full pricing

API key on signup. Free test environment on every plan. No card required.

Customer Stories

Teams that stopped document fraud

Compliance, finance, and risk teams use HTPBE? to catch manipulated PDFs before they become costly mistakes.

Caught an invoice where the total had been changed by less than a thousand dollars. Without this I would have approved it without a second look.

Sarah M.

AP Manager

United States

We had three applicants in the same week with bank statements that looked completely fine. Two of them were flagged as modified. You simply cannot see this by reading the document — it is in the file structure.

Lars V.

Risk Analyst, Online Lending

Netherlands

Salary slips were coming with altered figures. We identified two problematic files before the placement was finalised.

Priya K.

HR Operations Lead

India

Since we started checking documents this way, we stopped two applications early in the process that would have been very difficult to reverse later.

Julien R.

Fraud Analyst, Fintech

France

Some applicants were sending PDFs that looked authentic but had been edited in ways not visible to the eye. We now ask for checked originals when something is flagged. Already saved us from a few bad decisions.

Marta S.

Compliance Coordinator

Spain

One invoice was caught because there was a mismatch between the document dates and structure. That particular case would have cost us significantly.

Tariq A.

Finance Manager

United Arab Emirates

FAQ

Frequently asked questions

Does HTPBE? work on salary slips from Indian payroll systems (Zoho People, GreytHR, RazorpayX, Keka)?

Yes. The analysis is producer-agnostic — it inspects whichever PDF the candidate submits. Authentic slips from Zoho People, GreytHR, RazorpayX, Keka, or any HRMS carry recognisable producer signatures. Re-saves through Excel or generator tools change those signatures, which HTPBE? flags.

How is this different from background-fraud-detection services like AuthBridge or IDfy?

BGV services confirm employment history with the previous employer or a registry — they check whether the candidate worked there at all. HTPBE? checks whether the specific PDF the candidate uploaded was edited after the payroll system issued it. The two are complementary: BGV checks the fact; HTPBE? checks the file.

Can it catch slips made with online generator tools?

Yes. Generator tools leave fingerprints in the producer field (often Chrome Headless or a specific PDF library) and miss the structured metadata that authentic payroll exports embed. The verdict on a generator-produced slip is typically modified or inconclusive with a producer mismatch flag.

What if the candidate sends a phone photo of the slip instead of the PDF?

A phone photo is a raster image with no PDF structure to analyse — outside scope for HTPBE? Always require digital PDF uploads from candidates. If you cannot enforce that, pair HTPBE? with an image-forensics tool for the photo cases.

What does an INCONCLUSIVE verdict mean for a salary slip?

HTPBE? returns INCONCLUSIVE when a salary slip PDF lacks the institutional metadata that real payroll exports carry — typically because the file was authored on a desktop with consumer software (Word, LibreOffice, a generator tool) rather than exported from a payroll system such as Sage Payroll, Xero, MYOB, Tally, Zoho Payroll, Keka, GreytHR, or RazorpayX. In the salary-slip context, INCONCLUSIVE is itself a high-confidence fraud signal: a genuine salary slip would never originate from a desktop tool. Treat INCONCLUSIVE on a salary slip as fraud-positive and route the case to manual employer verification or income-data review before proceeding.

Secure your workflow

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