Thank you for publishing my feedback, and your response. Photo ID, cannot be cross checked however. This is unique information, which has nothing to be checked against. Bank statements containing information, such as name and address, however, can be.
Storing unique information in order to pay Creatives, makes them liable for identity theft, should your system be hacked. I've had this happen to me, through Paypal before. I was, but a number of many. Paypal learned the hard way, to implement policy which not only maintained the integrity of their platform - but essentially protected the information of their users too.
Have you considered when designing the verification policy, if you're asking to collect unique information which is unnecessary? What is the risk to your Creatives, and your business, if that information is stolen? Only ask for information which can be reasonably validated in your business operations.
If you can trust Contest Holders as a virtual entity, exchanging only relevant baking information (without risk to your platform) then Creatives can be treated with the same respect, upon payment.
Who I am, as a virtual user, is not an issue for Paypal, Google, Youtube, Ebay, Esty, Instagram and a whole host of other virtual platforms. Exchanging money both ways, does not make me a risk to their platform, because they only have my contact details and banking information. Why is it a breach of integrity for squadhelp's virtual platform, if you don't have my unique photo ID, applicable only in my country - or if I travel to yours?
Please reconsider what you as asking for in your policy, and protect your Creatives when doing business with them.