Pay Stub Fraud Checker

Why pay stub fraud matters for Ontario landlords

Income is the single most important thing a landlord verifies before signing a lease, and the pay stub is the document most applicants reach for to prove it. The problem: a convincing fake pay stub takes minutes to produce. Dozens of websites generate professional-looking stubs with any salary, employer, and pay date you type in — for a few dollars or free. Once a tenant is in the unit, an income misrepresentation you missed at screening becomes a non-payment problem you cannot easily undo.

This free checker catches the most common signs of a fabricated PDF: the wrong software signature, math that does not balance, year-to-date figures that are impossible, and pay dates that do not make sense. It runs entirely in your browser, so the applicant's financial document never touches our servers. It is a fast first filter — not a guarantee. A careful forger can still produce a stub that passes every automated check, which is exactly why income should ultimately be confirmed at the source.

How to read your results

Each check returns a pass, warning, or fail. One failed check is reason to ask questions; two or more is a strong signal to stop and verify income another way before proceeding. Warnings usually mean the tool could not extract a value — common with scanned images or unusual layouts — not that the document is fake. When in doubt, ask the applicant for a second recent pay stub, a bank statement showing the deposits, or a direct income verification. Never reject an applicant on an automated result alone; use it to decide where to look closer.