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Head to head · Identity verification · October 2026 research run

Didit vs Stripe Identity

Stripe Identity scores 77.7 (BB) on agent readiness against Didit's 75 (BB), and leads in 5 of 7 scored categories. Didit leads on reliability and payments & pricing. 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 Stripe IdentityStripe, LLC · HTTP API BB77.7/100#21 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 62
  • Payments & pricing, 60 against 40

Also in its favour

  • 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

Stripe Identity BB

Best for A business already on Stripe that needs document and selfie checks or US SSN validation with published prices.

Ahead on

  • Schema & documentation, 94 against 88
  • Agent ergonomics, 93 against 69
  • Security & auth, 86 against 76
  • Transparency & trust, 85 against 63

Watch for

Document, selfie and US SSN checks only. No sanctions or watchlist screening and no business verification

Score by category

CategoryWeight this runDiditStripe IdentityEdge
Reliability16%208062Didit +18
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.28894Stripe Identity +6
Agent ergonomics13%16.26993Stripe Identity +24
Security & auth14%17.57686Stripe Identity +10
Payments & pricing10%12.56040Didit +20
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.88285Stripe Identity +3
Transparency & trust7%8.86385Stripe Identity +22
Negative events≤1500
TotalBB 75/100BB 77.7/100

Facts side by side

FactDiditStripe Identity
KindHTTP APIHTTP API
VendorDidit Identity Spain, S.L.Stripe, LLC
Hosted endpointhttps://verification.didit.meno (local only)
TransportsHTTP, Streamable HTTP, stdioHTTP
AuthOAuth or keyAPI key
PricingPay per usePay per use
x402nono
LicenceProprietary service under Didit's Business Terms and Conditions. The MCP server in didit-protocol/mcp is MITProprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT
Tools exposed156none
Read-only variant documentednono
llms.txtyesyes
MCP registryme.didit/mcpnot listed
Last release2026-10-082026-10-01
Terms last updated2026-09-232026-09-28
Privacy policy last updated2026-10-072026-04-28
Customer content may train modelsyes, with an opt-outyes
Terms restrict automated accessnot found in the textnot found in the text
Terms restrict benchmarkingyesnot found in the text
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/wk24.2M npm/wk, 11.4M 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.

Stripe Identity

Stripe Identity runs on the Stripe API, with a public OpenAPI spec, idempotency keys, restricted keys for sensitive fields and a redact endpoint. The product page lists £1.25 per document and selfie check, and the first 50 are free. It has no watchlist or business screening, and outside GB, JP and the US it is in public beta.

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.

Stripe Identity

  1. Send an Idempotency-Key based on your user reference when creating a VerificationSession, so a retry doesn't make a second session
  2. Send the end user the session URL or client secret. The person completes the check, the agent can't. Links expire after 48 hours
  3. Use a restricted key for verified_outputs.dob and id_number. Without an IP restriction it reads them only for 48 hours
  4. Wait for identity.verification_session.verified or requires_input webhooks instead of polling
  5. Treat redact as irreversible, and don't put personal data in metadata

Questions

Which is better for AI agents, Didit or Stripe Identity?

Stripe Identity scores 77.7 (BB) on agent readiness against Didit's 75 (BB), and leads in 5 of 7 scored categories. Didit leads on reliability and payments & pricing.

Do Didit and Stripe Identity need an API key?

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

Can an agent call Didit and Stripe Identity without installing anything?

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

Other comparisons with Didit or Stripe Identity

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