{ "data": { "a": { "slug": "persona", "name": "Persona", "vendor": "Persona Identities, Inc.", "vendorUrl": "https://withpersona.com", "kind": "http-api", "category": "identity-verification", "summary": "Persona is an identity verification platform from Persona Identities, Inc. Its REST API and hosted MCP server create inquiries, run government ID, selfie, document and database verifications, screen people and businesses against watchlists, and manage review cases.", "url": "https://www.anchorterminal.com/tools/persona", "markdownUrl": "https://www.anchorterminal.com/tools/persona.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/persona.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/persona.json", "license": "Proprietary service under Persona's terms of service. The `persona` JavaScript client on npm is MIT", "transports": [ "http" ], "remoteUrl": "https://mcp.withpersona.com", "packages": [ { "registry": "npm", "name": "persona" } ], "auth": "api-key", "authNotes": "Self-serve API key, sent as `Authorization: Bearer \u003ckey\u003e` to https://api.withpersona.com/api/v1. A browser sign-up with a business email gives a sandbox key (`persona_sandbox_...`) at once. A production key (`persona_production_...`) needs a plan and Persona's approval of the organisation. Each key can be limited to about 50 read and write permissions per resource, given its own rate limit and an IP allowlist, and expired through the dashboard or the API. A new key has every standard permission until someone limits it. The MCP server at https://mcp.withpersona.com takes the same key. Its help article says OAuth is coming and isn't available yet (checked 2026-10-08).", "pricing": "paid", "pricingNotes": "The Essential plan starts at $250 a month on a 12-month contract with 500 verifications or reports a month included, then $1.50 for each further one, per the help centre. Growth and Enterprise are priced through sales. A 60-day trial with no card gives sandbox access and up to 50 services, so an agent can build and test without a contract, but the sandbox performs no real verifications. A Startup Programme gives eligible small companies 500 free verifications a month for a year. The pricing page itself refused our reader (checked 2026-10-08).", "priceSummary": "$250 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API docs, the OpenAPI file, the MCP tool list or the help centre's plan articles (checked 2026-10-08).", "endpoints": [] }, "toolCount": 190, "popularity": { "githubStars": null, "npmWeekly": 570188, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.withpersona.com/getting-started", "llmsTxt": "https://docs.withpersona.com/llms.txt", "openapi": "https://docs.withpersona.com/openapi/api-reference.json", "capabilities": [ "kyc.identity", "kyc.business", "kyc.documents", "kyc.screening", "kyc.cases" ], "tags": [ "hosted", "paid", "sandbox", "api-key", "mcp", "openapi", "llms-txt", "webhooks", "json-api", "status-page", "soc2", "iso27001" ], "lastRelease": "2026-09-29", "graded": true, "anchor": { "graded": true, "score": 69.5, "grade": "B", "agentReady": false, "rank": 192, "ranked": true, "rankOf": 1076, "categoryRank": 3, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 74, "maintenance": 75, "payments": 35, "reliability": 70, "schema": 85, "security": 73, "transparency": 68 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "The REST API has a public OpenAPI 3.1 file, llms.txt, API keys with per-resource permissions, idempotency keys on every POST and a 60-day sandbox trial with no card. Production needs a business review and a 12-month plan from $250 a month. The status page lists 11 incidents since 10 July 2026, including 70 minutes of timeouts across all products.", "bestFor": "A company that already runs Persona and wants an agent to create inquiries from templates, read verification and report results, screen against watchlists and work review cases with a permission-limited key.", "strengths": [ "Public OpenAPI 3.1 file with 231 operations and 141 webhook definitions, plus llms.txt and a Markdown copy of every docs page", "API keys take about 50 read and write permissions per resource, an IP allowlist, their own rate limit and an expiry endpoint", "`Idempotency-Key` on every POST, cursor pagination, and `fields` and `include` parameters that trim responses", "API logs kept for two weeks and user audit logs for six months, both readable through the API", "Dated API versions selected per key or per request with `Persona-Version`, and a changelog with an RSS feed" ], "weaknesses": [ "Production access needs Persona's approval and a 12-month plan from $250 a month, and API-only integration is limited to Enterprise plans", "Eleven incidents on the status page since 10 July 2026, five marked partial outage, most on document and government ID verifications", "The MCP server lists all 190 tools whatever the key allows, with no annotations, toolsets or read-only subset, and OAuth isn't available yet", "No official server-side SDK was found. The npm, iOS, Android and React Native packages are clients for the end-user flow", "The marketing site, terms, privacy policy and pricing page answered our reader with a bot check, and no SLA was found in the docs or help centre" ], "agentNotes": [ "Ask for a dedicated key limited to the permissions the task needs. A new key has every standard permission until it's limited", "Send `Persona-Version` on every call and an `Idempotency-Key` on every POST. A replayed key returns the first result, including a 500", "Treat redact calls as irreversible. They permanently delete personal data and cascade to downstream objects", "Stay under 300 requests a minute in production, read `RateLimit-Remaining` and `Quota-Remaining`, and back off on 429 because rejected requests still count", "Use `fields` and `include` to cut response size. Through MCP these parameters aren't exposed, and only 14 tools take `filter`" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 69.5 } ], "editorialScores": { "ergonomics": 74, "maintenance": 75, "payments": 35, "reliability": 70, "schema": 85, "security": 73, "transparency": 46 }, "provenanceScore": 90 }, "connect": { "http": "curl --request POST \\\n --url https://api.withpersona.com/api/v1/inquiries \\\n --header 'Persona-Version: 2023-01-05' \\\n --header 'accept: application/json' \\\n --header 'authorization: Bearer persona_sandbox_YOURAPIKEY' \\\n --header 'content-type: application/json' \\\n --data '{\"data\":{\"attributes\":{\"inquiry-template-id\":\"itmpl_YOURTEMPLATEID\",\"fields\":{\"name-first\":\"Jane\",\"name-last\":\"Doe\",\"birthdate\":\"1994-04-12\"}}}}'" }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/persona" }, "area": "domain-data", "unitPrices": [ { "item": "Essential plan", "unit": "month", "usd": 250, "note": "12-month contract, 500 verifications or reports a month included, unused ones don't roll over" }, { "item": "Additional verification or report on the Essential plan", "unit": "tx", "usd": 1.5, "note": "Each service beyond the 500 included a month" } ], "provenance": { "legalEntity": "Persona Identities, Inc.", "domain": "withpersona.com", "domainRegistered": "2018-09-24", "endpointOnVendorDomain": true, "terms": "https://withpersona.com/legal/terms-of-service", "privacy": "https://withpersona.com/legal/privacy-policy", "statusPage": "https://status.withpersona.com", "changelog": "https://docs.withpersona.com/api-reference/versioning/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The help centre footer reads \"2026 Persona Identities, Inc.\", and the `persona` npm package names Persona Identities, Inc. as author.", "The API answers at api.withpersona.com and the MCP server at mcp.withpersona.com, both withpersona.com subdomains.", "withpersona.com/.well-known/security.txt gives security@withpersona.com, an expiry of 17 February 2027 and a note that disclosure runs through Bugcrowd.", "The terms and privacy URLs are the ones the status page links to. Both pages, and the rest of withpersona.com, answered our reader with a bot check (HTTP 403), so their text wasn't read.", "RDAP for withpersona.com gives a registration date of 2018-09-24 and MarkMonitor Inc. as registrar." ], "score": 90 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/persona.json", "live": { "slug": "persona", "probe": { "target": "https://mcp.withpersona.com", "method": "get", "lastAt": "2026-10-14T09:59:59.298831798Z", "lastOk": true, "lastStatus": 405, "lastMs": 142, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 152, "p95ms24h": 281, "samples24h": 248, "samples30d": 1435, "days": [ { "date": "2026-10-08", "probes": 93, "ok": 93 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 247, "ok": 247 }, { "date": "2026-10-11", "probes": 247, "ok": 247 }, { "date": "2026-10-12", "probes": 247, "ok": 247 }, { "date": "2026-10-13", "probes": 248, "ok": 248 }, { "date": "2026-10-14", "probes": 103, "ok": 103 } ] }, "vendorStatus": { "page": "https://status.withpersona.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-14T08:53:47.270012742Z" }, "versions": [ { "registry": "npm", "name": "persona", "version": "5.9.0", "seenAt": "2026-10-13T23:16:52.011910828Z" } ], "npmWeekly": 474420, "securityTxt": { "url": "https://withpersona.com/.well-known/security.txt", "state": "valid", "expires": "2027-02-17T08:00:00.000Z", "checkedAt": "2026-10-13T15:45:31.940916351Z" }, "llmsTxt": { "url": "https://docs.withpersona.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-13T14:12:19.15761621Z" }, "domain": { "domain": "withpersona.com", "registered": "2018-09-24", "source": "https://rdap.verisign.com/com/v1/domain/withpersona.com", "checkedAt": "2026-10-11T13:24:11.94008491Z" }, "pages": [ { "url": "https://docs.withpersona.com/api-reference/versioning/changelog", "kind": "changelog", "status": 304, "checkedAt": "2026-10-13T20:16:14.966334952Z", "changedAt": "2026-10-10T19:03:02.833780746Z", "fingerprint": "c19b16bf1389" }, { "url": "https://withpersona.com/legal/privacy-policy", "kind": "privacy", "status": 403, "checkedAt": "2026-10-13T20:25:18.253853297Z", "changedAt": "0001-01-01T00:00:00Z" }, { "url": "https://withpersona.com/legal/terms-of-service", "kind": "terms", "status": 403, "checkedAt": "2026-10-13T20:25:20.272067854Z", "changedAt": "0001-01-01T00:00:00Z" } ], "updatedAt": "2026-10-14T09:59:59.298831798Z" } }, "answer": "Stripe Identity scores 77.7 (BB) on agent readiness against Persona's 69.5 (B), and leads in 6 of 7 scored categories. Persona leads on reliability.", "b": { "slug": "stripe-identity", "name": "Stripe Identity", "vendor": "Stripe, LLC", "vendorUrl": "https://stripe.com/identity", "kind": "http-api", "category": "identity-verification", "summary": "Stripe Identity verifies government-issued photo IDs from more than 120 countries, matches them to selfies and validates US Social Security numbers. Sessions are created and read through the Stripe API, and the end user completes the check in Stripe's flow.", "url": "https://www.anchorterminal.com/tools/stripe-identity", "markdownUrl": "https://www.anchorterminal.com/tools/stripe-identity.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/stripe-identity.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/stripe-identity.json", "repo": "https://github.com/stripe/openapi", "license": "Proprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT", "transports": [ "http" ], "packages": [ { "registry": "npm", "name": "stripe" }, { "registry": "pypi", "name": "stripe" } ], "auth": "api-key", "authNotes": "Stripe secret key, restricted key or IP-restricted key, sent as HTTP basic auth or a Bearer token to https://api.stripe.com. Results such as status, name and address need only a secret key. Date of birth, ID number and document images need a restricted key with Identity permissions, which can read them for verifications in the last 48 hours, or for all verifications once the key is IP-restricted. Identity is activated through an application in the Dashboard (checked 2026-10-14).", "pricing": "usage", "pricingNotes": "£1.25 per completed document and selfie verification and 35p per ID number lookup (US SSNs only), charged when the user completes verification, on the United Kingdom page our network was served. The first 50 verifications are free. Custom pricing is offered above 2,000 verifications a month (https://stripe.com/identity, checked 2026-10-14).", "priceSummary": "Pay per use", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on the Identity endpoints, the Identity docs or the product page (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 24154234, "pypiWeekly": 11360574, "asOf": "2026-10-14" }, "docsUrl": "https://docs.stripe.com/identity", "llmsTxt": "https://docs.stripe.com/llms.txt", "openapi": "https://raw.githubusercontent.com/stripe/openapi/master/openapi/spec3.json", "capabilities": [ "kyc.identity", "kyc.documents" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "webhooks", "sandbox", "free-tier", "status-page", "python", "typescript", "go", "java", "ruby", "php", "bug-bounty", "soc2" ], "lastRelease": "2026-10-01", "graded": true, "anchor": { "graded": true, "score": 77.7, "grade": "BB", "agentReady": true, "rank": 21, "ranked": true, "rankOf": 1076, "categoryRank": 1, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 93, "maintenance": 85, "payments": 40, "reliability": 62, "schema": 94, "security": 86, "transparency": 85 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "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.", "bestFor": "A business already on Stripe that needs document and selfie checks or US SSN validation with published prices.", "strengths": [ "Six typed Identity operations in Stripe's public OpenAPI spec, with Markdown docs and llms.txt", "Date of birth and ID number need a restricted key, and IP-restricted keys for reads after 48 hours", "Idempotency keys on every POST and cursor pagination with status and date filters", "Published prices of £1.25 per verification and 35p per US SSN lookup, with the first 50 verifications free", "`redact` removes personal data from the session, reports, events and request logs, confirmed by a webhook" ], "weaknesses": [ "Document, selfie and US SSN checks only. No sanctions or watchlist screening and no business verification", "Generally available only for businesses in GB, JP and the US, and a public beta in 30 other countries", "Use for credit, housing, employment or insurance decisions, and resale of results, are forbidden by the terms", "status.stripe.com renders only in JavaScript, so the incident history couldn't be read", "Stripe keeps a copy of verification data after redaction until the end user asks Stripe support to delete it" ], "agentNotes": [ "Send an Idempotency-Key based on your user reference when creating a VerificationSession, so a retry doesn't make a second session", "Send the end user the session URL or client secret. The person completes the check, the agent can't. Links expire after 48 hours", "Use a restricted key for `verified_outputs.dob` and `id_number`. Without an IP restriction it reads them only for 48 hours", "Wait for `identity.verification_session.verified` or `requires_input` webhooks instead of polling", "Treat `redact` as irreversible, and don't put personal data in metadata" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "BB", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 77.7 } ], "editorialScores": { "ergonomics": 93, "maintenance": 85, "payments": 40, "reliability": 62, "schema": 94, "security": 86, "transparency": 72 }, "provenanceScore": 98 }, "connect": { "http": "curl https://api.stripe.com/v1/identity/verification_sessions \\\n -u \"\u003c\u003cYOUR_SECRET_KEY\u003e\u003e:\" \\\n -d type=document" }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/stripe-identity" }, "sameCompany": [ "stripe-mcp" ], "area": "domain-data", "provenance": { "legalEntity": "Stripe, LLC", "domain": "stripe.com", "domainRegistered": "1995-09-12", "endpointOnVendorDomain": true, "terms": "https://stripe.com/identity/legal", "privacy": "https://stripe.com/privacy", "statusPage": "https://status.stripe.com", "changelog": "https://docs.stripe.com/changelog", "securityTxt": "valid", "checked": "2026-10-14", "notes": [ "stripe.com/identity/legal redirects to the Stripe Services Agreement service terms, last updated 2 October 2026, which hold the Stripe Identity Terms.", "Our network was redirected to the /gb/ copies of the terms, privacy policy and service provider list.", "stripe.com/.well-known/security.txt points to HackerOne and expires 2026-12-31.", "stripe.com was registered in 1995, before Stripe bought it." ], "score": 98 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/stripe-identity.json", "live": { "slug": "stripe-identity", "vendorStatus": { "page": "https://status.stripe.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-14T08:53:58.613651718Z" }, "updatedAt": "2026-10-14T08:53:58.613651718Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Persona Identities, Inc.", "b": "Stripe, LLC", "name": "Vendor" }, { "a": "https://mcp.withpersona.com", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Pay per use", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Persona's terms of service. The `persona` JavaScript client on npm is MIT", "b": "Proprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT", "name": "Licence" }, { "a": "190", "b": "none", "name": "Tools exposed" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-29", "b": "2026-10-01", "name": "Last release" }, { "a": "couldn't be read", "b": "2026-09-28", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "2026-04-28", "name": "Privacy policy last updated" }, { "a": "couldn't be read", "b": "yes", "name": "Customer content may train models" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Terms or service can change without notice" }, { "a": "couldn't be read", "b": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "570k npm/wk", "b": "24.2M npm/wk, 11.4M PyPI/wk", "name": "Popularity" } ], "faq": [ { "answer": "Stripe Identity scores 77.7 (BB) on agent readiness against Persona's 69.5 (B), and leads in 6 of 7 scored categories. Persona leads on reliability.", "question": "Which is better for AI agents, Persona or Stripe Identity?" }, { "answer": "Both need an API key.", "question": "Do Persona and Stripe Identity need an API key?" }, { "answer": "Persona has a hosted endpoint at https://mcp.withpersona.com. No hosted endpoint is listed for Stripe Identity.", "question": "Can an agent call Persona and Stripe Identity without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 70 against 62" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "A company that already runs Persona and wants an agent to create inquiries from templates, read verification and report results, screen against watchlists and work review cases with a permission-limited key.", "slug": "persona", "watchFor": "Production access needs Persona's approval and a 12-month plan from $250 a month, and API-only integration is limited to Enterprise plans" }, { "aheadOn": [ "Schema \u0026 documentation, 94 against 85", "Agent ergonomics, 93 against 74", "Security \u0026 auth, 86 against 73", "Payments \u0026 pricing, 40 against 35", "Maintenance \u0026 community, 85 against 75", "Transparency \u0026 trust, 85 against 68" ], "also": [ "Agent-ready, a grade of BB or better" ], "goodFor": "A business already on Stripe that needs document and selfie checks or US SSN validation with published prices.", "slug": "stripe-identity", "watchFor": "Document, selfie and US SSN checks only. No sanctions or watchlist screening and no business verification" } ], "job": { "capability": "kyc.identity", "name": "Identity verification" }, "others": [ { "json": "https://www.anchorterminal.com/compare/alloy-vs-persona.json", "title": "Alloy vs Persona", "url": "https://www.anchorterminal.com/compare/alloy-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-stripe-identity.json", "title": "Alloy vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/alloy-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-persona.json", "title": "ComplyCube vs Persona", "url": "https://www.anchorterminal.com/compare/complycube-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-stripe-identity.json", "title": "ComplyCube vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/complycube-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-persona.json", "title": "Didit vs Persona", "url": "https://www.anchorterminal.com/compare/didit-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-stripe-identity.json", "title": "Didit vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/didit-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-persona.json", "title": "Entrust Identity Verification (formerly Onfido) vs Persona", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity.json", "title": "Entrust Identity Verification (formerly Onfido) vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-persona.json", "title": "Jumio vs Persona", "url": "https://www.anchorterminal.com/compare/jumio-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-stripe-identity.json", "title": "Jumio vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/jumio-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-stripe-identity.json", "title": "Middesk vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/middesk-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.json", "title": "Persona vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-shufti.json", "title": "Persona vs Shufti", "url": "https://www.anchorterminal.com/compare/persona-vs-shufti" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-socure-riskos.json", "title": "Persona vs Socure RiskOS", "url": "https://www.anchorterminal.com/compare/persona-vs-socure-riskos" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-sumsub.json", "title": "Persona vs Sumsub", "url": "https://www.anchorterminal.com/compare/persona-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-trulioo.json", "title": "Persona vs Trulioo", "url": "https://www.anchorterminal.com/compare/persona-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-veriff.json", "title": "Persona vs Veriff", "url": "https://www.anchorterminal.com/compare/persona-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/persona-vs-vouched.json", "title": "Persona vs Vouched", "url": "https://www.anchorterminal.com/compare/persona-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.json", "title": "Plaid Identity Verification vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/shufti-vs-stripe-identity.json", "title": "Shufti vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/shufti-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/socure-riskos-vs-stripe-identity.json", "title": "Socure RiskOS vs Stripe Identity", "url": "https://www.anchorterminal.com/compare/socure-riskos-vs-stripe-identity" }, { "json": "https://www.anchorterminal.com/compare/stripe-identity-vs-sumsub.json", "title": "Stripe Identity vs Sumsub", "url": "https://www.anchorterminal.com/compare/stripe-identity-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/stripe-identity-vs-trulioo.json", "title": "Stripe Identity vs Trulioo", "url": "https://www.anchorterminal.com/compare/stripe-identity-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/stripe-identity-vs-veriff.json", "title": "Stripe Identity vs Veriff", "url": "https://www.anchorterminal.com/compare/stripe-identity-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/stripe-identity-vs-vouched.json", "title": "Stripe Identity vs Vouched", "url": "https://www.anchorterminal.com/compare/stripe-identity-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/complyadvantage-vs-persona.json", "title": "ComplyAdvantage vs Persona", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-persona" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-persona.json", "title": "Middesk vs Persona", "url": "https://www.anchorterminal.com/compare/middesk-vs-persona" } ], "scores": [ { "by": 8, "edge": "persona", "key": "reliability", "name": "Reliability", "persona": 70, "stripe-identity": 62, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 9, "edge": "stripe-identity", "key": "schema", "name": "Schema \u0026 documentation", "persona": 85, "stripe-identity": 94, "weight": 13 }, { "by": 19, "edge": "stripe-identity", "key": "ergonomics", "name": "Agent ergonomics", "persona": 74, "stripe-identity": 93, "weight": 13 }, { "by": 13, "edge": "stripe-identity", "key": "security", "name": "Security \u0026 auth", "persona": 73, "stripe-identity": 86, "weight": 14 }, { "by": 5, "edge": "stripe-identity", "key": "payments", "name": "Payments \u0026 pricing", "persona": 35, "stripe-identity": 40, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 10, "edge": "stripe-identity", "key": "maintenance", "name": "Maintenance \u0026 community", "persona": 75, "stripe-identity": 85, "weight": 7 }, { "by": 17, "edge": "stripe-identity", "key": "transparency", "name": "Transparency \u0026 trust", "persona": 68, "stripe-identity": 85, "weight": 7 } ], "summary": "Stripe Identity scores 77.7 (BB) on agent readiness against Persona's 69.5 (B), and leads in 6 of 7 scored categories. Persona leads on reliability. Both do identity verification.", "verdicts": { "persona": "The REST API has a public OpenAPI 3.1 file, llms.txt, API keys with per-resource permissions, idempotency keys on every POST and a 60-day sandbox trial with no card. Production needs a business review and a 12-month plan from $250 a month. The status page lists 11 incidents since 10 July 2026, including 70 minutes of timeouts across all products.", "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." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity", "json": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity.md", "slim": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity.min.md" }, "markdown": "Stripe Identity scores 77.7 (BB) on agent readiness against Persona's 69.5 (B), and leads in 6 of 7 scored categories. Persona leads on reliability. Both do identity verification.\n\n- Persona: grade B, 69.5/100, rank #192 of 1076. Markdown https://www.anchorterminal.com/tools/persona.md · JSON https://www.anchorterminal.com/api/v1/tools/persona.json\n- 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\n- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md\n- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md\n\n## Which one, for what\n\n### Persona (B)\n\nGood for: A company that already runs Persona and wants an agent to create inquiries from templates, read verification and report results, screen against watchlists and work review cases with a permission-limited key.\n\nAhead on:\n- Reliability, 70 against 62\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: Production access needs Persona's approval and a 12-month plan from $250 a month, and API-only integration is limited to Enterprise plans\n\n### Stripe Identity (BB)\n\nGood for: A business already on Stripe that needs document and selfie checks or US SSN validation with published prices.\n\nAhead on:\n- Schema \u0026 documentation, 94 against 85\n- Agent ergonomics, 93 against 74\n- Security \u0026 auth, 86 against 73\n- Payments \u0026 pricing, 40 against 35\n- Maintenance \u0026 community, 85 against 75\n- Transparency \u0026 trust, 85 against 68\n\nAlso in its favour:\n- Agent-ready, a grade of BB or better\n\nWatch for: Document, selfie and US SSN checks only. No sanctions or watchlist screening and no business verification\n\n\n## Score by category\n\n| Category | Weight | Persona | Stripe Identity | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 70 | 62 | Persona +8 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 85 | 94 | Stripe Identity +9 |\n| Agent ergonomics | 13% (16.2 this run) | 74 | 93 | Stripe Identity +19 |\n| Security \u0026 auth | 14% (17.5 this run) | 73 | 86 | Stripe Identity +13 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 35 | 40 | Stripe Identity +5 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 75 | 85 | Stripe Identity +10 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 68 | 85 | Stripe Identity +17 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **69.5 · B** | **77.7 · BB** | |\n\n## Facts side by side\n\n| Fact | Persona | Stripe Identity |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Persona Identities, Inc. | Stripe, LLC |\n| Hosted endpoint | `https://mcp.withpersona.com` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | API key | API key |\n| Pricing | Paid | Pay per use |\n| x402 | no | no |\n| Licence | Proprietary service under Persona's terms of service. The `persona` JavaScript client on npm is MIT | Proprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT |\n| Tools exposed | 190 | none |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-09-29 | 2026-10-01 |\n| Terms last updated | couldn't be read | 2026-09-28 |\n| Privacy policy last updated | couldn't be read | 2026-04-28 |\n| Customer content may train models | couldn't be read | yes |\n| Terms restrict automated access | couldn't be read | not found in the text |\n| Terms restrict benchmarking | couldn't be read | not found in the text |\n| Terms or service can change without notice | couldn't be read | not found in the text |\n| Arbitration or class-action waiver | couldn't be read | not found in the text |\n| Popularity | 570k npm/wk | 24.2M npm/wk, 11.4M PyPI/wk |\n\n## Verdicts\n\n**Persona.** The REST API has a public OpenAPI 3.1 file, llms.txt, API keys with per-resource permissions, idempotency keys on every POST and a 60-day sandbox trial with no card. Production needs a business review and a 12-month plan from $250 a month. The status page lists 11 incidents since 10 July 2026, including 70 minutes of timeouts across all products.\n\n**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.\n\n## Before you call either\n\n### Persona\n\n1. Ask for a dedicated key limited to the permissions the task needs. A new key has every standard permission until it's limited\n2. Send `Persona-Version` on every call and an `Idempotency-Key` on every POST. A replayed key returns the first result, including a 500\n3. Treat redact calls as irreversible. They permanently delete personal data and cascade to downstream objects\n4. Stay under 300 requests a minute in production, read `RateLimit-Remaining` and `Quota-Remaining`, and back off on 429 because rejected requests still count\n5. Use `fields` and `include` to cut response size. Through MCP these parameters aren't exposed, and only 14 tools take `filter`\n\n### Stripe Identity\n\n1. Send an Idempotency-Key based on your user reference when creating a VerificationSession, so a retry doesn't make a second session\n2. Send the end user the session URL or client secret. The person completes the check, the agent can't. Links expire after 48 hours\n3. Use a restricted key for `verified_outputs.dob` and `id_number`. Without an IP restriction it reads them only for 48 hours\n4. Wait for `identity.verification_session.verified` or `requires_input` webhooks instead of polling\n5. Treat `redact` as irreversible, and don't put personal data in metadata\n\n## Questions\n\n### Which is better for AI agents, Persona or Stripe Identity?\n\nStripe Identity scores 77.7 (BB) on agent readiness against Persona's 69.5 (B), and leads in 6 of 7 scored categories. Persona leads on reliability.\n\n### Do Persona and Stripe Identity need an API key?\n\nBoth need an API key.\n\n### Can an agent call Persona and Stripe Identity without installing anything?\n\nPersona has a hosted endpoint at https://mcp.withpersona.com. No hosted endpoint is listed for Stripe Identity.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/persona-vs-stripe-identity.json, and with the fewest tokens: https://www.anchorterminal.com/compare/persona-vs-stripe-identity.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"persona\", \"b\": \"stripe-identity\"}`. From a terminal: `anchor compare persona stripe-identity`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/persona.json and https://www.anchorterminal.com/api/v1/tools/stripe-identity.json\n\n## Other comparisons with Persona or Stripe Identity\n\n- [Alloy vs Persona](https://www.anchorterminal.com/compare/alloy-vs-persona.md)\n- [Alloy vs Stripe Identity](https://www.anchorterminal.com/compare/alloy-vs-stripe-identity.md)\n- [ComplyCube vs Persona](https://www.anchorterminal.com/compare/complycube-vs-persona.md)\n- [ComplyCube vs Stripe Identity](https://www.anchorterminal.com/compare/complycube-vs-stripe-identity.md)\n- [Didit vs Persona](https://www.anchorterminal.com/compare/didit-vs-persona.md)\n- [Didit vs Stripe Identity](https://www.anchorterminal.com/compare/didit-vs-stripe-identity.md)\n- [Entrust Identity Verification (formerly Onfido) vs Persona](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-persona.md)\n- [Entrust Identity Verification (formerly Onfido) vs Stripe Identity](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-stripe-identity.md)\n- [Jumio vs Persona](https://www.anchorterminal.com/compare/jumio-vs-persona.md)\n- [Jumio vs Stripe Identity](https://www.anchorterminal.com/compare/jumio-vs-stripe-identity.md)\n- [Middesk vs Stripe Identity](https://www.anchorterminal.com/compare/middesk-vs-stripe-identity.md)\n- [Persona vs Plaid Identity Verification](https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.md)\n- [Persona vs Shufti](https://www.anchorterminal.com/compare/persona-vs-shufti.md)\n- [Persona vs Socure RiskOS](https://www.anchorterminal.com/compare/persona-vs-socure-riskos.md)\n- [Persona vs Sumsub](https://www.anchorterminal.com/compare/persona-vs-sumsub.md)\n- [Persona vs Trulioo](https://www.anchorterminal.com/compare/persona-vs-trulioo.md)\n- [Persona vs Veriff](https://www.anchorterminal.com/compare/persona-vs-veriff.md)\n- [Persona vs Vouched](https://www.anchorterminal.com/compare/persona-vs-vouched.md)\n- [Plaid Identity Verification vs Stripe Identity](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.md)\n- [Shufti vs Stripe Identity](https://www.anchorterminal.com/compare/shufti-vs-stripe-identity.md)\n- [Socure RiskOS vs Stripe Identity](https://www.anchorterminal.com/compare/socure-riskos-vs-stripe-identity.md)\n- [Stripe Identity vs Sumsub](https://www.anchorterminal.com/compare/stripe-identity-vs-sumsub.md)\n- [Stripe Identity vs Trulioo](https://www.anchorterminal.com/compare/stripe-identity-vs-trulioo.md)\n- [Stripe Identity vs Veriff](https://www.anchorterminal.com/compare/stripe-identity-vs-veriff.md)\n- [Stripe Identity vs Vouched](https://www.anchorterminal.com/compare/stripe-identity-vs-vouched.md)\n- [ComplyAdvantage vs Persona](https://www.anchorterminal.com/compare/complyadvantage-vs-persona.md)\n- [Middesk vs Persona](https://www.anchorterminal.com/compare/middesk-vs-persona.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Persona vs Stripe Identity", "url": "" } ], "description": "Stripe Identity scores 77.7 (BB) to Persona's 69.5 (B) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Persona B 69.5", "Stripe Identity BB 77.7", "scores" ], "h1": "Persona vs Stripe Identity", "image": "https://www.anchorterminal.com/assets/og/compare-persona-vs-stripe-identity.png", "path": "/compare/persona-vs-stripe-identity", "published": "2026-10-01", "section": "tools", "title": "Persona vs Stripe Identity for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/persona-vs-stripe-identity" }, "tokens": { "markdown": 2650, "slim": 780 }, "version": 1 }