# Didit vs Stripe Identity

> Stripe Identity scores 77.7 (BB) to Didit's 75 (BB) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/didit-vs-stripe-identity
- Markdown: https://www.anchorterminal.com/compare/didit-vs-stripe-identity.md (~2,650 tokens)
- Slim: https://www.anchorterminal.com/compare/didit-vs-stripe-identity.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/didit-vs-stripe-identity.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

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.

- Didit: grade BB, 75/100, rank #63 of 1076. Markdown https://www.anchorterminal.com/tools/didit.md · JSON https://www.anchorterminal.com/api/v1/tools/didit.json
- Stripe Identity: grade BB, 77.7/100, rank #21 of 1076. Markdown https://www.anchorterminal.com/tools/stripe-identity.md · JSON https://www.anchorterminal.com/api/v1/tools/stripe-identity.json
- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md
- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md

## Which one, for what

### Didit (BB)

Good 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)

Good 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

| Category | Weight | Didit | Stripe Identity | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 80 | 62 | Didit +18 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 88 | 94 | Stripe Identity +6 |
| Agent ergonomics | 13% (16.2 this run) | 69 | 93 | Stripe Identity +24 |
| Security & auth | 14% (17.5 this run) | 76 | 86 | Stripe Identity +10 |
| Payments & pricing | 10% (12.5 this run) | 60 | 40 | Didit +20 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 82 | 85 | Stripe Identity +3 |
| Transparency & trust | 7% (8.8 this run) | 63 | 85 | Stripe Identity +22 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **75 · BB** | **77.7 · BB** | |

## Facts side by side

| Fact | Didit | Stripe Identity |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Didit Identity Spain, S.L. | Stripe, LLC |
| Hosted endpoint | `https://verification.didit.me` | no (local only) |
| Transports | HTTP, Streamable HTTP, stdio | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Pay per use | Pay per use |
| x402 | no | no |
| Licence | Proprietary service under Didit's Business Terms and Conditions. The MCP server in didit-protocol/mcp is MIT | Proprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT |
| Tools exposed | 156 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| MCP registry | `me.didit/mcp` | not listed |
| Last release | 2026-10-08 | 2026-10-01 |
| Terms last updated | 2026-09-23 | 2026-09-28 |
| Privacy policy last updated | 2026-10-07 | 2026-04-28 |
| Customer content may train models | yes, with an opt-out | yes |
| Terms restrict automated access | not found in the text | not found in the text |
| Terms restrict benchmarking | yes | not found in the text |
| Terms or service can change without notice | not found in the text | not found in the text |
| Arbitration or class-action waiver | not found in the text | not found in the text |
| Popularity | 0 stars, 27k npm/wk | 24.2M 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.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/didit-vs-stripe-identity.json, and with the fewest tokens: https://www.anchorterminal.com/compare/didit-vs-stripe-identity.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "didit", "b": "stripe-identity"}`. From a terminal: `anchor compare didit stripe-identity`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/didit.json and https://www.anchorterminal.com/api/v1/tools/stripe-identity.json

## Other comparisons with Didit or Stripe Identity

- [Alloy vs Didit](https://www.anchorterminal.com/compare/alloy-vs-didit.md)
- [Alloy vs Stripe Identity](https://www.anchorterminal.com/compare/alloy-vs-stripe-identity.md)
- [ComplyCube vs Didit](https://www.anchorterminal.com/compare/complycube-vs-didit.md)
- [ComplyCube vs Stripe Identity](https://www.anchorterminal.com/compare/complycube-vs-stripe-identity.md)
- [Didit vs Entrust Identity Verification (formerly Onfido)](https://www.anchorterminal.com/compare/didit-vs-entrust-identity-verification.md)
- [Didit vs Jumio](https://www.anchorterminal.com/compare/didit-vs-jumio.md)
- [Didit vs Middesk](https://www.anchorterminal.com/compare/didit-vs-middesk.md)
- [Didit vs Persona](https://www.anchorterminal.com/compare/didit-vs-persona.md)
- [Didit vs Plaid Identity Verification](https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.md)
- [Didit vs Shufti](https://www.anchorterminal.com/compare/didit-vs-shufti.md)
- [Didit vs Socure RiskOS](https://www.anchorterminal.com/compare/didit-vs-socure-riskos.md)
- [Didit vs Sumsub](https://www.anchorterminal.com/compare/didit-vs-sumsub.md)
- [Didit vs Trulioo](https://www.anchorterminal.com/compare/didit-vs-trulioo.md)
- [Didit vs Veriff](https://www.anchorterminal.com/compare/didit-vs-veriff.md)
- [Didit vs Vouched](https://www.anchorterminal.com/compare/didit-vs-vouched.md)
- [Entrust Identity Verification (formerly Onfido) vs Stripe Identity](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity.md)
- [Jumio vs Stripe Identity](https://www.anchorterminal.com/compare/jumio-vs-stripe-identity.md)
- [Middesk vs Stripe Identity](https://www.anchorterminal.com/compare/middesk-vs-stripe-identity.md)
- [Persona vs Stripe Identity](https://www.anchorterminal.com/compare/persona-vs-stripe-identity.md)
- [Plaid Identity Verification vs Stripe Identity](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.md)
- [Shufti vs Stripe Identity](https://www.anchorterminal.com/compare/shufti-vs-stripe-identity.md)
- [Socure RiskOS vs Stripe Identity](https://www.anchorterminal.com/compare/socure-riskos-vs-stripe-identity.md)
- [Stripe Identity vs Sumsub](https://www.anchorterminal.com/compare/stripe-identity-vs-sumsub.md)
- [Stripe Identity vs Trulioo](https://www.anchorterminal.com/compare/stripe-identity-vs-trulioo.md)
- [Stripe Identity vs Veriff](https://www.anchorterminal.com/compare/stripe-identity-vs-veriff.md)
- [Stripe Identity vs Vouched](https://www.anchorterminal.com/compare/stripe-identity-vs-vouched.md)
- [ComplyAdvantage vs Didit](https://www.anchorterminal.com/compare/complyadvantage-vs-didit.md)