{ "data": { "a": { "slug": "plaid-identity-verification", "name": "Plaid Identity Verification", "vendor": "Plaid Inc.", "vendorUrl": "https://plaid.com/products/identity-verification/", "kind": "http-api", "category": "identity-verification", "summary": "Plaid Identity Verification checks a person against data sources, identity documents, selfies with liveness and SMS, with risk scoring and optional Monitor watchlist screening. Sessions run in Plaid Link or through a backend-only API flow.", "url": "https://www.anchorterminal.com/tools/plaid-identity-verification", "markdownUrl": "https://www.anchorterminal.com/tools/plaid-identity-verification.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plaid-identity-verification.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json", "repo": "https://github.com/plaid/plaid-openapi", "license": "Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT", "transports": [ "http" ], "packages": [ { "registry": "npm", "name": "plaid" }, { "registry": "pypi", "name": "plaid-python" } ], "auth": "api-key", "authNotes": "`client_id` and `secret` in the JSON body of each POST to https://sandbox.plaid.com or https://production.plaid.com, with a separate secret per environment. No scopes. Sandbox for Identity Verification is enabled self-serve from the Dashboard Products page (since 12 August 2026). Production needs a product access request, and the integrating company must be based in the US, Canada or the UK (checked 2026-10-14).", "pricing": "paid", "pricingNotes": "No public prices. Each session is billed an Anti-Fraud Engine fee plus fees for data source verification (by country), document checks and selfie checks, and retries are billed as new sessions. Exact rates appear after applying for Production. Sandbox is free (https://plaid.com/docs/account/billing/, checked 2026-10-14).", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the Identity Verification docs, the API reference or the pricing page (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 1238045, "pypiWeekly": 656200, "asOf": "2026-10-14" }, "docsUrl": "https://plaid.com/docs/identity-verification/", "llmsTxt": "https://plaid.com/llms.txt", "openapi": "https://raw.githubusercontent.com/plaid/plaid-openapi/master/2020-09-14.yml", "capabilities": [ "kyc.identity", "kyc.documents", "kyc.screening" ], "tags": [ "hosted", "api-key", "openapi", "llms-txt", "webhooks", "sandbox", "status-page", "python", "typescript", "go", "java", "ruby", "bug-bounty" ], "lastRelease": "2026-10-13", "graded": true, "anchor": { "graded": true, "score": 67.1, "grade": "B", "agentReady": false, "rank": 278, "ranked": true, "rankOf": 1076, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 75, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 91, "security": 61, "transparency": 77 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.", "bestFor": "US, Canadian and UK companies that want KYC with data source checks, documents and selfies, especially those already on Plaid or wanting Monitor screening in the same flow.", "strengths": [ "Four typed endpoints in the public OpenAPI file, with llms.txt and Markdown docs", "Backend-only flow runs data source checks from user data with no Link session", "`is_idempotent` on create returns the existing session instead of making a second", "Six dated Identity Verification changelog entries between 9 July and 13 October 2026", "Self-serve Sandbox since 12 August 2026, with sample identities for test outcomes" ], "weaknesses": [ "No public prices. Rates appear only after a Production application", "One team secret reaches every Plaid product, with no scopes or read-only key", "Integrating companies must be based in the US, Canada or the UK", "Data stays only while the contract is active, and access to past sessions ends with it", "Rate-limit and error pages sit under a path robots.txt disallows, so we didn't read them" ], "agentNotes": [ "Pass `is_idempotent: true` to /identity_verification/create so a retry returns the existing session", "Use the backend-only flow (data source template, `gave_consent: true`) when you already hold the user's details. Documents and selfies need the person in Link", "Wait for the STATUS_UPDATED webhook or poll /identity_verification/get. Link's onSuccess doesn't mean the user passed", "Don't issue retries casually. Each retry is a new session billed again", "Enable Sandbox for Identity Verification on the Dashboard Products page before the first call" ], "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": 67.1 } ], "editorialScores": { "ergonomics": 75, "maintenance": 83, "payments": 15, "reliability": 68, "schema": 91, "security": 61, "transparency": 57 }, "provenanceScore": 97 }, "connect": { "http": "curl -X POST https://sandbox.plaid.com/identity_verification/create \\\n-H 'Content-Type: application/json' \\\n-d '{\n \"client_user_id\": \"user-sandbox-b0e2c4ee-a763-4df5-bfe9-46a46bce993d\",\n \"client_id\": \"${PLAID_CLIENT_ID}\",\n \"secret\": \"${PLAID_SECRET}\",\n \"is_shareable\": true,\n \"template_id\": \"idvtmp_52xR9LKo77r1Np\",\n \"gave_consent\": true\n}'" }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/plaid-identity-verification" }, "sameCompany": [ "plaid" ], "area": "domain-data", "provenance": { "legalEntity": "Plaid Inc.", "domain": "plaid.com", "domainRegistered": "1995-08-16", "endpointOnVendorDomain": true, "terms": "https://plaid.com/legal/#developer-policy", "privacy": "https://plaid.com/legal/#privacy-statement", "statusPage": "https://status.plaid.com", "changelog": "https://plaid.com/docs/changelog/", "securityTxt": "valid", "checked": "2026-10-14", "notes": [ "Same entity, legal pages and status page as the plaid listing. Plaid Financial Ltd and Plaid, B.V. cover the UK and the EEA.", "plaid.com/.well-known/security.txt lists HackerOne and security@plaid.com and expires 2026-12-31.", "plaid.com was registered in 1995, before Plaid was founded." ], "score": 97 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plaid-identity-verification.json", "live": { "slug": "plaid-identity-verification", "vendorStatus": { "page": "https://status.plaid.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:53:20.159743826Z" }, "updatedAt": "2026-10-14T09:53:20.159743826Z" } }, "answer": "Sumsub scores 68.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, agent ergonomics and maintenance \u0026 community.", "b": { "slug": "sumsub", "name": "Sumsub", "vendor": "Sum and Substance Ltd", "vendorUrl": "https://sumsub.com", "kind": "http-api", "category": "identity-verification", "summary": "Sumsub verifies people from identity documents and a liveness check, verifies businesses against registries, and screens both against sanctions and watchlists. Agents reach it through a signed REST API and a hosted MCP server.", "url": "https://www.anchorterminal.com/tools/sumsub", "markdownUrl": "https://www.anchorterminal.com/tools/sumsub.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/sumsub.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/sumsub.json", "repo": "https://github.com/sumsub/agent-skills", "license": "Proprietary service under Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package are MIT", "transports": [ "http" ], "remoteUrl": "https://api.sumsub.com", "packages": [ { "registry": "npm", "name": "@sumsub/websdk" } ], "auth": "mixed", "authNotes": "The REST API takes an app token generated in the Dashboard by a signed-in team member. Each request carries `X-App-Token`, `X-App-Access-Ts` and `X-App-Access-Sig`, an HMAC-SHA256 signature made with the token's secret key over the timestamp, method, path and body. A token has its own permissions, an optional IP allowlist, an optional expiry date and optional source keys that limit it to a group of applicants, and it can be disabled or deleted but not edited. Sandbox and production tokens are separate. The MCP server at https://api.sumsub.com/mcp/ uses OAuth with PKCE and dynamic client registration, signs the user in with Sumsub, and needs the Use MCP server role permission. Production mode opens after Sumsub verifies the integration (https://docs.sumsub.com/reference/about-sumsub-api).", "pricing": "usage", "pricingNotes": "Basic is $1.35 per verification with a $149 monthly minimum, and Compliance is $1.85 with a $299 minimum and adds AML screening and address checks. Business verification, transaction monitoring and fraud prevention are on a custom plan through sales. Only completed checks are charged. Sandbox mode is free in any account, limited to 500 new applicants and 1,000 transactions per 24 hours. The 14-day trial of 50 real checks asks for bank card details (https://sumsub.com/pricing/, https://docs.sumsub.com/docs/self-service, checked 2026-10-08).", "priceSummary": "$1.35 / tx", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API reference, the OpenAPI spec or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 172226, "pypiWeekly": null, "asOf": "2026-10-08" }, "docsUrl": "https://docs.sumsub.com", "llmsTxt": "https://docs.sumsub.com/llms.txt", "openapi": "https://api.sumsub.com/openapi.json", "capabilities": [ "kyc.identity", "kyc.business", "kyc.documents", "kyc.screening", "kyc.cases" ], "tags": [ "hosted", "usage-based", "sandbox", "api-key", "oauth", "mcp", "openapi", "llms-txt", "webhooks", "status-page", "sla", "bug-bounty", "soc2", "iso27001" ], "lastRelease": "2026-10-03", "graded": true, "anchor": { "graded": true, "score": 68.5, "grade": "B", "agentReady": false, "rank": 220, "ranked": true, "rankOf": 1076, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 60, "maintenance": 74, "payments": 25, "reliability": 80, "schema": 78, "security": 80, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Per-token permissions, an IP allowlist, HMAC-signed requests and a public OpenAPI spec with Markdown docs suit an agent working on verification cases. No idempotency keys or Retry-After guidance were found, there is no server SDK, and production access needs a browser signup, a bank card and Sumsub's review of the integration.", "bestFor": "An agent that starts verifications, sends links, reads results and AML cases, and works case queues for a regulated business, with one token limited to those permissions.", "strengths": [ "App tokens carry per-token permissions, an optional IP allowlist and expiry date, and can be disabled with a recorded reason", "Requests are signed with HMAC-SHA256 over timestamp, method, path and body, so the secret key never travels", "Public OpenAPI 3.0.1 spec with 157 operations, llms.txt, and every docs page served as Markdown", "Hosted MCP server with OAuth, PKCE and dynamic client registration, gated by a Use MCP server role permission", "Terms publish a 99.5 per cent monthly uptime commitment, and the status page lists API, WebSDK and MobileSDK for three regions" ], "weaknesses": [ "No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation", "Only 24 of 157 operations in the OpenAPI spec carry a summary or description, and 154 declare only a default response", "No official server-side SDK. Sumsub publishes request-signing examples in seven languages instead", "The 14-day trial of 50 real checks needs a bank card, and production opens after Sumsub checks the integration", "Terms clause 6.9 permits Sumsub to use customers' personal data to develop fraud detection, including machine learning models", "The subprocessor list is published in the Dashboard, not on a public page" ], "agentNotes": [ "Sign every request. X-App-Access-Sig is the lowercase hex HMAC-SHA256 of timestamp, uppercase method, path with query and raw body, and the timestamp must be within one minute of server time", "Use a sandbox token (prefix sbx) for agent work. Sandbox and production tokens are separate, and Sumsub's own skills refuse any other prefix", "Stay under 300 GET and 50 POST requests per 5 seconds, and under 500 new applicants per 24 hours in Sandbox", "Token permissions can't be edited after creation. Generate a new token with the narrower set and delete the old one", "Subscribe to the applicantReviewed webhook for results and verify x-payload-digest against the raw body before trusting it" ], "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": 68.5 } ], "editorialScores": { "ergonomics": 60, "maintenance": 74, "payments": 25, "reliability": 80, "schema": 78, "security": 80, "transparency": 52 }, "provenanceScore": 96 }, "connect": { "install": "npx skills add sumsub/agent-skills --all -g", "http": "curl -X GET \\\n 'https://api.sumsub.com/resources/auditTrailEvents/list?from=2024-06-01+00:00:00\u0026to=2024-06-30+23:59:59\u0026limit=100' \\\n -H 'X-App-Token: \u003cyour-app-token\u003e' \\\n -H 'X-App-Access-Sig: \u003cyour-signature\u003e' \\\n -H 'X-App-Access-Ts: \u003cunix-timestamp\u003e'", "claudeCode": "claude mcp add --transport http sumsub https://api.sumsub.com/mcp/", "config": { "mcpServers": { "sumsub": { "args": [ "mcp-remote", "https://api.sumsub.com/mcp/" ], "command": "npx" } } } }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/sumsub" }, "area": "domain-data", "unitPrices": [ { "item": "Basic plan, user verification", "unit": "tx", "usd": 1.35, "note": "per completed verification; $149 monthly minimum" }, { "item": "Compliance plan, user verification with AML screening and address check", "unit": "tx", "usd": 1.85, "note": "per completed verification; $299 monthly minimum" } ], "provenance": { "legalEntity": "Sum and Substance Ltd", "domain": "sumsub.com", "domainRegistered": "2015-05-01", "endpointOnVendorDomain": true, "terms": "https://sumsub.com/terms-and-conditions/", "privacy": "https://sumsub.com/privacy-notice-service/", "statusPage": "https://status.sumsub.com", "changelog": "https://docs.sumsub.com/changelog", "securityTxt": "valid", "checked": "2026-10-08", "notes": [ "The terms (version of 21 May 2026) name Sum and Substance Ltd, England, company number 09688671, 30 St. Mary Axe, London EC3A 8BF, with contracting entities in the UAE, Delaware, Singapore and Cyprus depending on where the customer is registered.", "The API and the MCP server answer at api.sumsub.com, and the Dashboard and OAuth issuer at cockpit.sumsub.com.", "sumsub.com/.well-known/security.txt gives security@sumsub.com and a Bugcrowd engagement as contacts and expires on 2027-12-31.", "The service privacy notice was last updated on 19 March 2026. The data processing agreement is Annex 3 of the terms.", "RDAP for sumsub.com gives a registration date of 2015-05-01." ], "score": 96 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/sumsub.json", "live": { "slug": "sumsub", "probe": { "target": "https://api.sumsub.com", "method": "get", "lastAt": "2026-10-14T10:00:06.789271092Z", "lastOk": true, "lastStatus": 200, "lastMs": 384, "authRequired": false, "uptime24h": 99.6, "uptime30d": 99.93, "p50ms24h": 170, "p95ms24h": 267, "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": 102 } ] }, "vendorStatus": { "page": "https://status.sumsub.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:53:37.468496644Z" }, "versions": [ { "registry": "npm", "name": "@sumsub/websdk", "version": "2.9.0", "seenAt": "2026-10-13T23:27:09.462566319Z" } ], "githubStars": 7, "npmWeekly": 138750, "securityTxt": { "url": "https://sumsub.com/.well-known/security.txt", "state": "valid", "expires": "2027-12-31T11:59:00Z", "checkedAt": "2026-10-13T15:45:21.352569844Z" }, "llmsTxt": { "url": "https://docs.sumsub.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-13T14:12:38.573023295Z" }, "domain": { "domain": "sumsub.com", "registered": "2015-05-01", "source": "https://rdap.verisign.com/com/v1/domain/sumsub.com", "checkedAt": "2026-10-11T13:20:19.731095648Z" }, "pages": [ { "url": "https://docs.sumsub.com/changelog", "kind": "changelog", "status": 200, "checkedAt": "2026-10-13T20:15:57.742117391Z", "changedAt": "2026-10-13T20:15:57.742117391Z", "fingerprint": "f2fb6b024be3" }, { "url": "https://sumsub.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-13T20:23:56.866580279Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "8df9176ba407" }, { "url": "https://sumsub.com/privacy-notice-service/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-13T20:23:58.967858161Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "676c31f026df" }, { "url": "https://sumsub.com/terms-and-conditions/", "kind": "terms", "status": 200, "checkedAt": "2026-10-13T20:24:01.002993329Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "63e133a2d160" } ], "updatedAt": "2026-10-14T10:00:06.789271092Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Plaid Inc.", "b": "Sum and Substance Ltd", "name": "Vendor" }, { "a": "no (local only)", "b": "https://api.sumsub.com", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "OAuth or key", "name": "Auth" }, { "a": "Paid", "b": "Pay per use", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT", "b": "Proprietary service under Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package are MIT", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-13", "b": "2026-10-03", "name": "Last release" }, { "a": "2025-12-01", "b": "2026-05-21", "name": "Terms last updated" }, { "a": "2025-12-01", "b": "2026-03-19", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "yes", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "not found in the text", "name": "Terms restrict automated access" }, { "a": "yes", "b": "not found in the text", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "yes", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "yes", "name": "Arbitration or class-action waiver" }, { "a": "1.2M npm/wk, 656k PyPI/wk", "b": "172k npm/wk", "name": "Popularity" } ], "faq": [ { "answer": "Sumsub scores 68.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, agent ergonomics and maintenance \u0026 community.", "question": "Which is better for AI agents, Plaid Identity Verification or Sumsub?" }, { "answer": "Plaid Identity Verification needs an API key. Sumsub takes an API key or an OAuth sign-in.", "question": "Do Plaid Identity Verification and Sumsub need an API key?" }, { "answer": "No hosted endpoint is listed for Plaid Identity Verification. Sumsub has a hosted endpoint at https://api.sumsub.com.", "question": "Can an agent call Plaid Identity Verification and Sumsub without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Schema \u0026 documentation, 91 against 78", "Agent ergonomics, 75 against 60", "Maintenance \u0026 community, 83 against 74" ], "also": null, "goodFor": "US, Canadian and UK companies that want KYC with data source checks, documents and selfies, especially those already on Plaid or wanting Monitor screening in the same flow.", "slug": "plaid-identity-verification", "watchFor": "No public prices. Rates appear only after a Production application" }, { "aheadOn": [ "Reliability, 80 against 68", "Security \u0026 auth, 80 against 61", "Payments \u0026 pricing, 25 against 15" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "An agent that starts verifications, sends links, reads results and AML cases, and works case queues for a regulated business, with one token limited to those permissions.", "slug": "sumsub", "watchFor": "No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation" } ], "job": { "capability": "kyc.identity", "name": "Identity verification" }, "others": [ { "json": "https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.json", "title": "Alloy vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/alloy-vs-sumsub.json", "title": "Alloy vs Sumsub", "url": "https://www.anchorterminal.com/compare/alloy-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification.json", "title": "ComplyCube vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/complycube-vs-sumsub.json", "title": "ComplyCube vs Sumsub", "url": "https://www.anchorterminal.com/compare/complycube-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.json", "title": "Didit vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/didit-vs-sumsub.json", "title": "Didit vs Sumsub", "url": "https://www.anchorterminal.com/compare/didit-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification.json", "title": "Entrust Identity Verification (formerly Onfido) vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-sumsub.json", "title": "Entrust Identity Verification (formerly Onfido) vs Sumsub", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification.json", "title": "Jumio vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/jumio-vs-sumsub.json", "title": "Jumio vs Sumsub", "url": "https://www.anchorterminal.com/compare/jumio-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.json", "title": "Middesk vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification" }, { "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-sumsub.json", "title": "Persona vs Sumsub", "url": "https://www.anchorterminal.com/compare/persona-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti.json", "title": "Plaid Identity Verification vs Shufti", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos.json", "title": "Plaid Identity Verification vs Socure RiskOS", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos" }, { "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/plaid-identity-verification-vs-trulioo.json", "title": "Plaid Identity Verification vs Trulioo", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff.json", "title": "Plaid Identity Verification vs Veriff", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.json", "title": "Plaid Identity Verification vs Vouched", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/shufti-vs-sumsub.json", "title": "Shufti vs Sumsub", "url": "https://www.anchorterminal.com/compare/shufti-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/socure-riskos-vs-sumsub.json", "title": "Socure RiskOS vs Sumsub", "url": "https://www.anchorterminal.com/compare/socure-riskos-vs-sumsub" }, { "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/sumsub-vs-trulioo.json", "title": "Sumsub vs Trulioo", "url": "https://www.anchorterminal.com/compare/sumsub-vs-trulioo" }, { "json": "https://www.anchorterminal.com/compare/sumsub-vs-veriff.json", "title": "Sumsub vs Veriff", "url": "https://www.anchorterminal.com/compare/sumsub-vs-veriff" }, { "json": "https://www.anchorterminal.com/compare/sumsub-vs-vouched.json", "title": "Sumsub vs Vouched", "url": "https://www.anchorterminal.com/compare/sumsub-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification.json", "title": "ComplyAdvantage vs Plaid Identity Verification", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification" }, { "json": "https://www.anchorterminal.com/compare/complyadvantage-vs-sumsub.json", "title": "ComplyAdvantage vs Sumsub", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-sumsub" }, { "json": "https://www.anchorterminal.com/compare/middesk-vs-sumsub.json", "title": "Middesk vs Sumsub", "url": "https://www.anchorterminal.com/compare/middesk-vs-sumsub" } ], "scores": [ { "by": 12, "edge": "sumsub", "key": "reliability", "name": "Reliability", "plaid-identity-verification": 68, "sumsub": 80, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 13, "edge": "plaid-identity-verification", "key": "schema", "name": "Schema \u0026 documentation", "plaid-identity-verification": 91, "sumsub": 78, "weight": 13 }, { "by": 15, "edge": "plaid-identity-verification", "key": "ergonomics", "name": "Agent ergonomics", "plaid-identity-verification": 75, "sumsub": 60, "weight": 13 }, { "by": 19, "edge": "sumsub", "key": "security", "name": "Security \u0026 auth", "plaid-identity-verification": 61, "sumsub": 80, "weight": 14 }, { "by": 10, "edge": "sumsub", "key": "payments", "name": "Payments \u0026 pricing", "plaid-identity-verification": 15, "sumsub": 25, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 9, "edge": "plaid-identity-verification", "key": "maintenance", "name": "Maintenance \u0026 community", "plaid-identity-verification": 83, "sumsub": 74, "weight": 7 }, { "by": 3, "edge": "plaid-identity-verification", "key": "transparency", "name": "Transparency \u0026 trust", "plaid-identity-verification": 77, "sumsub": 74, "weight": 7 } ], "summary": "Sumsub scores 68.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, agent ergonomics and maintenance \u0026 community. Both do identity verification.", "verdicts": { "plaid-identity-verification": "Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.", "sumsub": "Per-token permissions, an IP allowlist, HMAC-signed requests and a public OpenAPI spec with Markdown docs suit an agent working on verification cases. No idempotency keys or Retry-After guidance were found, there is no server SDK, and production access needs a browser signup, a bank card and Sumsub's review of the integration." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub", "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.md", "slim": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.min.md" }, "markdown": "Sumsub scores 68.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, agent ergonomics and maintenance \u0026 community. Both do identity verification.\n\n- Plaid Identity Verification: grade B, 67.1/100, rank #278 of 1076. Markdown https://www.anchorterminal.com/tools/plaid-identity-verification.md · JSON https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json\n- Sumsub: grade B, 68.5/100, rank #220 of 1076. Markdown https://www.anchorterminal.com/tools/sumsub.md · JSON https://www.anchorterminal.com/api/v1/tools/sumsub.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### Plaid Identity Verification (B)\n\nGood for: US, Canadian and UK companies that want KYC with data source checks, documents and selfies, especially those already on Plaid or wanting Monitor screening in the same flow.\n\nAhead on:\n- Schema \u0026 documentation, 91 against 78\n- Agent ergonomics, 75 against 60\n- Maintenance \u0026 community, 83 against 74\n\nWatch for: No public prices. Rates appear only after a Production application\n\n### Sumsub (B)\n\nGood for: An agent that starts verifications, sends links, reads results and AML cases, and works case queues for a regulated business, with one token limited to those permissions.\n\nAhead on:\n- Reliability, 80 against 68\n- Security \u0026 auth, 80 against 61\n- Payments \u0026 pricing, 25 against 15\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No idempotency keys and no Retry-After or backoff guidance found in the reviewed documentation\n\n\n## Score by category\n\n| Category | Weight | Plaid Identity Verification | Sumsub | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 68 | 80 | Sumsub +12 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 91 | 78 | Plaid Identity Verification +13 |\n| Agent ergonomics | 13% (16.2 this run) | 75 | 60 | Plaid Identity Verification +15 |\n| Security \u0026 auth | 14% (17.5 this run) | 61 | 80 | Sumsub +19 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 15 | 25 | Sumsub +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 74 | Plaid Identity Verification +9 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 77 | 74 | Plaid Identity Verification +3 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **67.1 · B** | **68.5 · B** | |\n\n## Facts side by side\n\n| Fact | Plaid Identity Verification | Sumsub |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Plaid Inc. | Sum and Substance Ltd |\n| Hosted endpoint | no (local only) | `https://api.sumsub.com` |\n| Transports | HTTP | HTTP |\n| Auth | API key | OAuth or key |\n| Pricing | Paid | Pay per use |\n| x402 | no | no |\n| Licence | Proprietary service under Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT | Proprietary service under Sumsub's terms and conditions. The agent skills repository and the @sumsub/websdk npm package are MIT |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-13 | 2026-10-03 |\n| Terms last updated | 2025-12-01 | 2026-05-21 |\n| Privacy policy last updated | 2025-12-01 | 2026-03-19 |\n| Customer content may train models | not found in the text | yes |\n| Terms restrict automated access | not found in the text | not found in the text |\n| Terms restrict benchmarking | yes | not found in the text |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n| Popularity | 1.2M npm/wk, 656k PyPI/wk | 172k npm/wk |\n\n## Verdicts\n\n**Plaid Identity Verification.** Plaid Identity Verification has four typed endpoints in Plaid's public OpenAPI file, an idempotent create, a backend-only flow for data source checks and frequent changelog entries. Prices appear only after applying for Production, the secret has no scopes, and the rate-limit and error pages are disallowed to crawlers.\n\n**Sumsub.** Per-token permissions, an IP allowlist, HMAC-signed requests and a public OpenAPI spec with Markdown docs suit an agent working on verification cases. No idempotency keys or Retry-After guidance were found, there is no server SDK, and production access needs a browser signup, a bank card and Sumsub's review of the integration.\n\n## Before you call either\n\n### Plaid Identity Verification\n\n1. Pass `is_idempotent: true` to /identity_verification/create so a retry returns the existing session\n2. Use the backend-only flow (data source template, `gave_consent: true`) when you already hold the user's details. Documents and selfies need the person in Link\n3. Wait for the STATUS_UPDATED webhook or poll /identity_verification/get. Link's onSuccess doesn't mean the user passed\n4. Don't issue retries casually. Each retry is a new session billed again\n5. Enable Sandbox for Identity Verification on the Dashboard Products page before the first call\n\n### Sumsub\n\n1. Sign every request. X-App-Access-Sig is the lowercase hex HMAC-SHA256 of timestamp, uppercase method, path with query and raw body, and the timestamp must be within one minute of server time\n2. Use a sandbox token (prefix sbx) for agent work. Sandbox and production tokens are separate, and Sumsub's own skills refuse any other prefix\n3. Stay under 300 GET and 50 POST requests per 5 seconds, and under 500 new applicants per 24 hours in Sandbox\n4. Token permissions can't be edited after creation. Generate a new token with the narrower set and delete the old one\n5. Subscribe to the applicantReviewed webhook for results and verify x-payload-digest against the raw body before trusting it\n\n## Questions\n\n### Which is better for AI agents, Plaid Identity Verification or Sumsub?\n\nSumsub scores 68.5 (B) on agent readiness against Plaid Identity Verification's 67.1 (B), and leads in 3 of 7 scored categories. Plaid Identity Verification leads on schema \u0026 documentation, agent ergonomics and maintenance \u0026 community.\n\n### Do Plaid Identity Verification and Sumsub need an API key?\n\nPlaid Identity Verification needs an API key. Sumsub takes an API key or an OAuth sign-in.\n\n### Can an agent call Plaid Identity Verification and Sumsub without installing anything?\n\nNo hosted endpoint is listed for Plaid Identity Verification. Sumsub has a hosted endpoint at https://api.sumsub.com.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"plaid-identity-verification\", \"b\": \"sumsub\"}`. From a terminal: `anchor compare plaid-identity-verification sumsub`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json and https://www.anchorterminal.com/api/v1/tools/sumsub.json\n\n## Other comparisons with Plaid Identity Verification or Sumsub\n\n- [Alloy vs Plaid Identity Verification](https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.md)\n- [Alloy vs Sumsub](https://www.anchorterminal.com/compare/alloy-vs-sumsub.md)\n- [ComplyCube vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification.md)\n- [ComplyCube vs Sumsub](https://www.anchorterminal.com/compare/complycube-vs-sumsub.md)\n- [Didit vs Plaid Identity Verification](https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.md)\n- [Didit vs Sumsub](https://www.anchorterminal.com/compare/didit-vs-sumsub.md)\n- [Entrust Identity Verification (formerly Onfido) vs Plaid Identity Verification](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-plaid-identity-verification.md)\n- [Entrust Identity Verification (formerly Onfido) vs Sumsub](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-sumsub.md)\n- [Jumio vs Plaid Identity Verification](https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification.md)\n- [Jumio vs Sumsub](https://www.anchorterminal.com/compare/jumio-vs-sumsub.md)\n- [Middesk vs Plaid Identity Verification](https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.md)\n- [Persona vs Plaid Identity Verification](https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.md)\n- [Persona vs Sumsub](https://www.anchorterminal.com/compare/persona-vs-sumsub.md)\n- [Plaid Identity Verification vs Shufti](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-shufti.md)\n- [Plaid Identity Verification vs Socure RiskOS](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-socure-riskos.md)\n- [Plaid Identity Verification vs Stripe Identity](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-stripe-identity.md)\n- [Plaid Identity Verification vs Trulioo](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-trulioo.md)\n- [Plaid Identity Verification vs Veriff](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-veriff.md)\n- [Plaid Identity Verification vs Vouched](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.md)\n- [Shufti vs Sumsub](https://www.anchorterminal.com/compare/shufti-vs-sumsub.md)\n- [Socure RiskOS vs Sumsub](https://www.anchorterminal.com/compare/socure-riskos-vs-sumsub.md)\n- [Stripe Identity vs Sumsub](https://www.anchorterminal.com/compare/stripe-identity-vs-sumsub.md)\n- [Sumsub vs Trulioo](https://www.anchorterminal.com/compare/sumsub-vs-trulioo.md)\n- [Sumsub vs Veriff](https://www.anchorterminal.com/compare/sumsub-vs-veriff.md)\n- [Sumsub vs Vouched](https://www.anchorterminal.com/compare/sumsub-vs-vouched.md)\n- [ComplyAdvantage vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification.md)\n- [ComplyAdvantage vs Sumsub](https://www.anchorterminal.com/compare/complyadvantage-vs-sumsub.md)\n- [Middesk vs Sumsub](https://www.anchorterminal.com/compare/middesk-vs-sumsub.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": "Plaid Identity Verification vs Sumsub", "url": "" } ], "description": "Sumsub scores 68.5 (B) to Plaid Identity Verification's 67.1 (B) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Plaid Identity Verification B 67.1", "Sumsub B 68.5", "scores" ], "h1": "Plaid Identity Verification vs Sumsub", "image": "https://www.anchorterminal.com/assets/og/compare-plaid-identity-verification-vs-sumsub.png", "path": "/compare/plaid-identity-verification-vs-sumsub", "published": "2026-10-01", "section": "tools", "title": "Plaid Identity Verification vs Sumsub for AI agents (2026)", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub" }, "tokens": { "markdown": 2800, "slim": 780 }, "version": 1 }