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Head to head · Identity verification · October 2026 research run

Didit vs Plaid Identity Verification

Didit scores 75 (BB) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on agent ergonomics and transparency & trust. Both do identity verification.

Best identity and business verification APIs for AI agents · All 119 verification comparisons

DiditDidit Identity Spain, S.L. · HTTP API BB75/100#63 of 1076 Plaid Identity VerificationPlaid Inc. · HTTP API B67.1/100#278 of 1076

Which one, for what

Didit BB

Best for A team that wants document, liveness, screening and business registry checks from one API with public prices and no sales step, and an agent that has to set itself up.

Ahead on

  • Reliability, 80 against 68
  • Security & auth, 76 against 61
  • Payments & pricing, 60 against 15

Also in its favour

  • Agent-ready, a grade of BB or better
  • A hosted endpoint, with nothing to install
  • Runs on your own machine
  • Free to start without a card

Watch for

Three incidents marked major on status.didit.me from 22 July to 4 September 2026, each a partial outage of the core APIs traced to the primary database

Plaid Identity Verification B

Best for US, Canadian and UK companies that want KYC with data source checks, documents and selfies, especially those already on Plaid or wanting Monitor screening in the same flow.

Ahead on

  • Agent ergonomics, 75 against 69
  • Transparency & trust, 77 against 63

Watch for

No public prices. Rates appear only after a Production application

Score by category

CategoryWeight this runDiditPlaid Identity VerificationEdge
Reliability16%208068Didit +12
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.28891Plaid Identity Verification +3
Agent ergonomics13%16.26975Plaid Identity Verification +6
Security & auth14%17.57661Didit +15
Payments & pricing10%12.56015Didit +45
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.88283Plaid Identity Verification +1
Transparency & trust7%8.86377Plaid Identity Verification +14
Negative events≤1500
TotalBB 75/100B 67.1/100

Facts side by side

FactDiditPlaid Identity Verification
KindHTTP APIHTTP API
VendorDidit Identity Spain, S.L.Plaid Inc.
Hosted endpointhttps://verification.didit.meno (local only)
TransportsHTTP, Streamable HTTP, stdioHTTP
AuthOAuth or keyAPI key
PricingPay per usePaid
x402nono
LicenceProprietary service under Didit's Business Terms and Conditions. The MCP server in didit-protocol/mcp is MITProprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT
Tools exposed156none
Read-only variant documentednono
llms.txtyesyes
MCP registryme.didit/mcpnot listed
Last release2026-10-082026-10-13
Terms last updated2026-09-232025-12-01
Privacy policy last updated2026-10-072025-12-01
Customer content may train modelsyes, with an opt-outnot found in the text
Terms restrict automated accessnot found in the textnot found in the text
Terms restrict benchmarkingyesyes
Terms or service can change without noticenot found in the textnot found in the text
Arbitration or class-action waivernot found in the textnot found in the text
Popularity0 stars, 27k npm/wk1.2M npm/wk, 656k PyPI/wk

Verdicts

Didit

A self-serve verification API with public per-check prices, key registration by API, scoped keys and a 365-day audit log. The status page shows three incidents marked major between 22 July and 4 September 2026, each a partial outage of the core APIs, and the sub-processor list isn't public.

Plaid Identity Verification

Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.

Before you call either

Didit

  1. Register with POST https://apx.didit.me/auth/v2/programmatic/register/, then verify-email with the emailed 6-character code. Use a real inbox, because reserved test domains return 500.
  2. Send the key as x-api-key to https://verification.didit.me/v3/. The JWT from registration works only on apx.didit.me.
  3. Create a workflow before POST /v3/session/. workflow_id is the only required field, and an unfinished session with the same vendor_data is returned again.
  4. Read results from webhooks and use GET /v3/session/{sessionId}/decision/ for back-fill. Every per-feature result is a plural array.
  5. The MCP server at https://mcp.didit.me/mcp takes OAuth sign-in only, never an API key. Approve didit:verification alone when the task doesn't change workflows or keys.

Plaid Identity Verification

  1. Pass is_idempotent: true to /identity_verification/create so a retry returns the existing session
  2. Use the backend-only flow (data source template, gave_consent: true) when you already hold the user's details. Documents and selfies need the person in Link
  3. Wait for the STATUS_UPDATED webhook or poll /identity_verification/get. Link's onSuccess doesn't mean the user passed
  4. Don't issue retries casually. Each retry is a new session billed again
  5. Enable Sandbox for Identity Verification on the Dashboard Products page before the first call

Questions

Which is better for AI agents, Didit or Plaid Identity Verification?

Didit scores 75 (BB) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on agent ergonomics and transparency & trust.

Do Didit and Plaid Identity Verification need an API key?

Didit takes an API key or an OAuth sign-in. Plaid Identity Verification needs an API key.

Can an agent call Didit and Plaid Identity Verification without installing anything?

Didit has a hosted endpoint at https://verification.didit.me. No hosted endpoint is listed for Plaid Identity Verification.

Other comparisons with Didit or Plaid Identity Verification

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