# Entrust Identity Verification (formerly Onfido) vs Stripe Identity

> Stripe Identity scores 77.7 (BB) to Entrust Identity Verification's 62.1 (B) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity
- Markdown: https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity.md (~3,000 tokens)
- Slim: https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity.min.md (~780 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/entrust-identity-verification-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 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.

- Entrust Identity Verification (formerly Onfido): grade B, 62.1/100, rank #472 of 1076. Markdown https://www.anchorterminal.com/tools/entrust-identity-verification.md · JSON https://www.anchorterminal.com/api/v1/tools/entrust-identity-verification.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

### Entrust Identity Verification (formerly Onfido) (B)

Good 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)

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 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

| Category | Weight | Entrust Identity Verification (formerly Onfido) | Stripe Identity | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 70 | 62 | Entrust Identity Verification (formerly Onfido) +8 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 84 | 94 | Stripe Identity +10 |
| Agent ergonomics | 13% (16.2 this run) | 65 | 93 | Stripe Identity +28 |
| Security & auth | 14% (17.5 this run) | 58 | 86 | Stripe Identity +28 |
| Payments & pricing | 10% (12.5 this run) | 20 | 40 | Stripe Identity +20 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 58 | 85 | Stripe Identity +27 |
| Transparency & trust | 7% (8.8 this run) | 70 | 85 | Stripe Identity +15 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **62.1 · B** | **77.7 · BB** | |

## Facts side by side

| Fact | Entrust Identity Verification (formerly Onfido) | Stripe Identity |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Onfido Ltd (Entrust) | Stripe, LLC |
| Hosted endpoint | no (local only) | no (local only) |
| Transports | HTTP | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Paid | Pay per use |
| x402 | no | no |
| Licence | Proprietary service under Entrust's terms. The OpenAPI spec and the server libraries (onfido-java, onfido-node, onfido-php, onfido-python, onfido-ruby) are MIT | Proprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-08-31 | 2026-10-01 |
| Terms last updated | couldn't be read | 2026-09-28 |
| Privacy policy last updated |  | 2026-04-28 |
| Customer content may train models | couldn't be read | yes |
| Terms restrict automated access | couldn't be read | not found in the text |
| Terms restrict benchmarking | couldn't be read | not found in the text |
| Terms or service can change without notice | couldn't be read | not found in the text |
| Arbitration or class-action waiver | couldn't be read | not found in the text |
| Popularity | 59k npm/wk, 27k PyPI/wk | 24.2M 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.


## For agents

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

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

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