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Head to head · Identity verification · October 2026 research run

Entrust Identity Verification (formerly Onfido) vs Stripe Identity

Stripe Identity scores 77.7 (BB) on agent readiness against Entrust Identity Verification (formerly Onfido)'s 62.1 (B), and leads in 6 of 7 scored categories. Entrust Identity Verification (formerly Onfido) leads on reliability. Both do identity verification.

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

Entrust Identity Verification (formerly Onfido)Onfido Ltd (Entrust) · HTTP API B62.1/100#472 of 1076 Stripe IdentityStripe, LLC · HTTP API BB77.7/100#21 of 1076

Which one, for what

Entrust Identity Verification (formerly Onfido) B

Best for A company already contracted with Entrust that wants an agent to create applicants, start workflow runs and read reports through typed libraries and a public spec.

Ahead on

  • Reliability, 70 against 62

Watch for

entrust.com answered 403 to every request, so the terms, privacy notice, pricing page and security.txt weren't read

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 84
  • Agent ergonomics, 93 against 65
  • Security & auth, 86 against 58
  • Payments & pricing, 40 against 20
  • Maintenance & community, 85 against 58
  • Transparency & trust, 85 against 70

Also in its favour

  • Agent-ready, a grade of BB or better

Watch for

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

Score by category

CategoryWeight this runEntrust Identity Verification (formerly Onfido)Stripe IdentityEdge
Reliability16%207062Entrust Identity Verification (formerly Onfido) +8
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.28494Stripe Identity +10
Agent ergonomics13%16.26593Stripe Identity +28
Security & auth14%17.55886Stripe Identity +28
Payments & pricing10%12.52040Stripe Identity +20
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.85885Stripe Identity +27
Transparency & trust7%8.87085Stripe Identity +15
Negative events≤1500
TotalB 62.1/100BB 77.7/100

Facts side by side

FactEntrust Identity Verification (formerly Onfido)Stripe Identity
KindHTTP APIHTTP API
VendorOnfido Ltd (Entrust)Stripe, LLC
Hosted endpointno (local only)no (local only)
TransportsHTTPHTTP
AuthOAuth or keyAPI key
PricingPaidPay per use
x402nono
LicenceProprietary service under Entrust's terms. The OpenAPI spec and the server libraries (onfido-java, onfido-node, onfido-php, onfido-python, onfido-ruby) are MITProprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT
Read-only variant documentednono
llms.txtyesyes
Last release2026-08-312026-10-01
Terms last updatedcouldn't be read2026-09-28
Privacy policy last updated2026-04-28
Customer content may train modelscouldn't be readyes
Terms restrict automated accesscouldn't be readnot found in the text
Terms restrict benchmarkingcouldn't be readnot found in the text
Terms or service can change without noticecouldn't be readnot found in the text
Arbitration or class-action waivercouldn't be readnot found in the text
Popularity59k npm/wk, 27k PyPI/wk24.2M npm/wk, 11.4M PyPI/wk

Verdicts

Entrust Identity Verification (formerly Onfido)

The v3.6 API has a public MIT OpenAPI file, server libraries in five languages, OAuth client credentials with scopes and an 18-month deprecation notice. Entrust's own site answered 403, so terms, privacy notice, pricing and security.txt weren't read. There is no idempotency key, and live tokens need a Dashboard account with billing details.

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

Entrust Identity Verification (formerly Onfido)

  1. Use the regional host for the account (api.eu, api.us or api.ca.onfido.com/v3.6). v3.6 has no default region
  2. Prefer an OAuth client with only the scopes the task needs over a live API token, and refresh the 60-minute access token
  3. Stay under 400 requests a minute live and 120 in sandbox, and back off on a 429 rate_limit error
  4. Check before retrying a POST. There is no idempotency key, so a retry can create a second applicant or check
  5. Treat webhook events as duplicates or out of order, and verify X-SHA2-Signature over the raw body

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, Entrust Identity Verification (formerly Onfido) or Stripe Identity?

Stripe Identity scores 77.7 (BB) on agent readiness against Entrust Identity Verification (formerly Onfido)'s 62.1 (B), and leads in 6 of 7 scored categories. Entrust Identity Verification (formerly Onfido) leads on reliability.

Do Entrust Identity Verification (formerly Onfido) and Stripe Identity need an API key?

Entrust Identity Verification (formerly Onfido) takes an API key or an OAuth sign-in. Stripe Identity needs an API key.

Can an agent call Entrust Identity Verification (formerly Onfido) and Stripe Identity without installing anything?

No hosted endpoint is listed for Entrust Identity Verification (formerly Onfido). No hosted endpoint is listed for Stripe Identity.

Other comparisons with Entrust Identity Verification (formerly Onfido) or Stripe Identity

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