{ "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": "2026-10-14T09:39:36.297248466Z" }, "updatedAt": "2026-10-14T09:39:36.297248466Z" } }, "answer": "Plaid Identity Verification scores 67.1 (B) on agent readiness against Vouched's 56.4 (C), and leads in 6 of 7 scored categories. Vouched leads on payments \u0026 pricing.", "b": { "slug": "vouched", "name": "Vouched", "vendor": "Vouched Identity, Inc.", "vendorUrl": "https://www.vouched.id", "kind": "http-api", "category": "identity-verification", "summary": "Vouched verifies an ID document and a selfie with liveness, with optional driver's licence, SSN, TIN, date of birth and AML checks. Jobs are submitted and read through a REST API in US and EU regions.", "url": "https://www.anchorterminal.com/tools/vouched", "markdownUrl": "https://www.anchorterminal.com/tools/vouched.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/vouched.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/vouched.json", "license": "Proprietary service under Vouched's Customer Terms of Service. The React Native capture package is Apache-2.0", "transports": [ "http" ], "packages": [ { "registry": "npm", "name": "@vouched.id/vouched-react-native" } ], "auth": "api-key", "authNotes": "Private key in an `X-API-Key` header to https://verify.vouched.id (US) or https://verify.eu.vouched.id (EU). A public key is for capture SDKs and a signature key signs webhooks. One key of each type is active, and recreating it invalidates the old key at once. Separate key sets per group. New keys carry `prv_`, `pub_` and `sig_` prefixes since 7 April 2026. Self-serve sign-up at app.vouched.id/create-account (checked 2026-10-14).", "pricing": "usage", "pricingNotes": "Self Starter is $300 a month plus $0.75 a transaction, or $3,000 a year plus $0.70. Essential is $300 a month plus $1.50 a transaction, or $1.40 on an annual plan. Custom plans cover IAL2, driver's licence, SSN and AML checks. A 14-day free trial is advertised. Test accounts aren't billed (https://www.vouched.id/identityverificationpricing, checked 2026-10-14).", "priceSummary": "$300 / mo", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs index, the API reference or the pricing page (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 69, "pypiWeekly": null, "asOf": "2026-10-14" }, "docsUrl": "https://docs.vouched.id/docs/overview", "llmsTxt": "https://docs.vouched.id/llms.txt", "capabilities": [ "kyc.identity", "kyc.documents", "kyc.screening" ], "tags": [ "hosted", "api-key", "llms-txt", "webhooks", "free-trial", "status-page" ], "lastRelease": "2026-08-28", "graded": true, "anchor": { "graded": true, "score": 56.4, "grade": "C", "agentReady": false, "rank": 673, "ranked": true, "rankOf": 1076, "categoryRank": 13, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 66, "maintenance": 60, "payments": 30, "reliability": 50, "schema": 81, "security": 40, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Vouched publishes per-transaction prices from $0.75 with a $300 monthly minimum and a 14-day trial, and its docs carry llms.txt, OpenAPI fragments and filterable job search. Rate limits have no number, there is no idempotency key, server SDK or security.txt, and the API status page shows a 70-minute rise in rejections on 1 October 2026.", "bestFor": "US businesses in healthcare, finance, automotive and gig work that want document and selfie checks with published prices.", "strengths": [ "Published prices, $300 a month plus $0.75 a transaction on Self Starter, with a 14-day free trial", "Find Jobs filters by about 40 fields and can leave out photos and results", "Separate private, public and signature keys, with key sets per group", "Public DPA with named sub-processors and a dated legal changelog", "US and EU environments, with EU account data stored in the EU" ], "weaknesses": [ "Rate limits are stated without a number", "No idempotency key, and each submitted job is billable", "No server-side SDK, only example repositories and capture SDKs", "Webhook signatures use HMAC-SHA1", "No security.txt or bug bounty, and certifications only on request" ], "agentNotes": [ "Use the private key in `X-API-Key` against verify.vouched.id or verify.eu.vouched.id, matching the account's region", "Check Find Jobs before resubmitting. There is no idempotency key and each job is billed", "Pass `withPhotos=false` and select `fields` on Find Jobs to keep responses small", "In a test account, use the name test pass for a clean result and any other name for a failure", "Back off on 429. All endpoints share one limit and no figure is published" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 56.4 } ], "editorialScores": { "ergonomics": 66, "maintenance": 60, "payments": 30, "reliability": 50, "schema": 81, "security": 40, "transparency": 72 }, "provenanceScore": 76 }, "letme": { "capability": "https://letme.dev/kyc.identity", "tool": "https://letme.dev/vouched" }, "area": "domain-data", "unitPrices": [ { "item": "Self Starter plan", "unit": "month", "usd": 300, "note": "Plus per-transaction fees. $3,000 a year on the annual plan" }, { "item": "Verification, Self Starter plan", "unit": "tx", "usd": 0.75, "note": "Monthly plan. $0.70 on the annual plan" }, { "item": "Verification, Essential plan", "unit": "tx", "usd": 1.5, "note": "Plus $300 a month. $1.40 on the annual plan" } ], "provenance": { "legalEntity": "Vouched Identity, Inc.", "domain": "vouched.id", "domainRegistered": "2018-11-26", "endpointOnVendorDomain": true, "terms": "https://www.vouched.id/company/legal/terms-of-service", "privacy": "https://www.vouched.id/company/legal/privacy-statement", "statusPage": "https://status.vouched.id", "changelog": "https://docs.vouched.id/page/release-notes-overview", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The privacy statement (effective 5 December 2022, updated 12 February 2026) names Vouched Identity, Inc. The legal changelog says the name changed from Woolly Labs, Inc. on 9 April 2025.", "The API answers at verify.vouched.id and verify.eu.vouched.id, vouched.id subdomains.", "www.vouched.id/.well-known/security.txt returns 404.", "RDAP for vouched.id gives a registration date of 2018-11-26." ], "score": 76 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/vouched.json", "live": { "slug": "vouched", "vendorStatus": { "page": "https://status.vouched.id", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:47.126167596Z" }, "updatedAt": "2026-10-14T09:39:47.126167596Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Plaid Inc.", "b": "Vouched Identity, Inc.", "name": "Vendor" }, { "a": "no (local only)", "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 Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT", "b": "Proprietary service under Vouched's Customer Terms of Service. The React Native capture package is Apache-2.0", "name": "Licence" }, { "a": "no", "b": "no", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-10-13", "b": "2026-08-28", "name": "Last release" }, { "a": "2025-12-01", "b": "2026-02-12", "name": "Terms last updated" }, { "a": "2025-12-01", "b": "2022-12-05", "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": "yes", "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": "not found in the text", "name": "Arbitration or class-action waiver" }, { "a": "1.2M npm/wk, 656k PyPI/wk", "b": "69 npm/wk", "name": "Popularity" } ], "faq": [ { "answer": "Plaid Identity Verification scores 67.1 (B) on agent readiness against Vouched's 56.4 (C), and leads in 6 of 7 scored categories. Vouched leads on payments \u0026 pricing.", "question": "Which is better for AI agents, Plaid Identity Verification or Vouched?" }, { "answer": "Both need an API key.", "question": "Do Plaid Identity Verification and Vouched need an API key?" }, { "answer": "No hosted endpoint is listed for Plaid Identity Verification. No hosted endpoint is listed for Vouched.", "question": "Can an agent call Plaid Identity Verification and Vouched without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 68 against 50", "Schema \u0026 documentation, 91 against 81", "Agent ergonomics, 75 against 66", "Security \u0026 auth, 61 against 40", "Maintenance \u0026 community, 83 against 60" ], "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": [ "Payments \u0026 pricing, 30 against 15" ], "also": null, "goodFor": "US businesses in healthcare, finance, automotive and gig work that want document and selfie checks with published prices.", "slug": "vouched", "watchFor": "Rate limits are stated without a number" } ], "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-vouched.json", "title": "Alloy vs Vouched", "url": "https://www.anchorterminal.com/compare/alloy-vs-vouched" }, { "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-vouched.json", "title": "ComplyCube vs Vouched", "url": "https://www.anchorterminal.com/compare/complycube-vs-vouched" }, { "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-vouched.json", "title": "Didit vs Vouched", "url": "https://www.anchorterminal.com/compare/didit-vs-vouched" }, { "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-vouched.json", "title": "Entrust Identity Verification (formerly Onfido) vs Vouched", "url": "https://www.anchorterminal.com/compare/entrust-identity-verification-vs-vouched" }, { "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-vouched.json", "title": "Jumio vs Vouched", "url": "https://www.anchorterminal.com/compare/jumio-vs-vouched" }, { "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/middesk-vs-vouched.json", "title": "Middesk vs Vouched", "url": "https://www.anchorterminal.com/compare/middesk-vs-vouched" }, { "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-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-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-sumsub.json", "title": "Plaid Identity Verification vs Sumsub", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub" }, { "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/shufti-vs-vouched.json", "title": "Shufti vs Vouched", "url": "https://www.anchorterminal.com/compare/shufti-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/socure-riskos-vs-vouched.json", "title": "Socure RiskOS vs Vouched", "url": "https://www.anchorterminal.com/compare/socure-riskos-vs-vouched" }, { "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/sumsub-vs-vouched.json", "title": "Sumsub vs Vouched", "url": "https://www.anchorterminal.com/compare/sumsub-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/trulioo-vs-vouched.json", "title": "Trulioo vs Vouched", "url": "https://www.anchorterminal.com/compare/trulioo-vs-vouched" }, { "json": "https://www.anchorterminal.com/compare/veriff-vs-vouched.json", "title": "Veriff vs Vouched", "url": "https://www.anchorterminal.com/compare/veriff-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-vouched.json", "title": "ComplyAdvantage vs Vouched", "url": "https://www.anchorterminal.com/compare/complyadvantage-vs-vouched" } ], "scores": [ { "by": 18, "edge": "plaid-identity-verification", "key": "reliability", "name": "Reliability", "plaid-identity-verification": 68, "vouched": 50, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 10, "edge": "plaid-identity-verification", "key": "schema", "name": "Schema \u0026 documentation", "plaid-identity-verification": 91, "vouched": 81, "weight": 13 }, { "by": 9, "edge": "plaid-identity-verification", "key": "ergonomics", "name": "Agent ergonomics", "plaid-identity-verification": 75, "vouched": 66, "weight": 13 }, { "by": 21, "edge": "plaid-identity-verification", "key": "security", "name": "Security \u0026 auth", "plaid-identity-verification": 61, "vouched": 40, "weight": 14 }, { "by": 15, "edge": "vouched", "key": "payments", "name": "Payments \u0026 pricing", "plaid-identity-verification": 15, "vouched": 30, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 23, "edge": "plaid-identity-verification", "key": "maintenance", "name": "Maintenance \u0026 community", "plaid-identity-verification": 83, "vouched": 60, "weight": 7 }, { "by": 3, "edge": "plaid-identity-verification", "key": "transparency", "name": "Transparency \u0026 trust", "plaid-identity-verification": 77, "vouched": 74, "weight": 7 } ], "summary": "Plaid Identity Verification scores 67.1 (B) on agent readiness against Vouched's 56.4 (C), and leads in 6 of 7 scored categories. Vouched leads on payments \u0026 pricing. 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.", "vouched": "Vouched publishes per-transaction prices from $0.75 with a $300 monthly minimum and a 14-day trial, and its docs carry llms.txt, OpenAPI fragments and filterable job search. Rate limits have no number, there is no idempotency key, server SDK or security.txt, and the API status page shows a 70-minute rise in rejections on 1 October 2026." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched", "json": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.md", "slim": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.min.md" }, "markdown": "Plaid Identity Verification scores 67.1 (B) on agent readiness against Vouched's 56.4 (C), and leads in 6 of 7 scored categories. Vouched leads on payments \u0026 pricing. 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- Vouched: grade C, 56.4/100, rank #673 of 1076. Markdown https://www.anchorterminal.com/tools/vouched.md · JSON https://www.anchorterminal.com/api/v1/tools/vouched.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- Reliability, 68 against 50\n- Schema \u0026 documentation, 91 against 81\n- Agent ergonomics, 75 against 66\n- Security \u0026 auth, 61 against 40\n- Maintenance \u0026 community, 83 against 60\n\nWatch for: No public prices. Rates appear only after a Production application\n\n### Vouched (C)\n\nGood for: US businesses in healthcare, finance, automotive and gig work that want document and selfie checks with published prices.\n\nAhead on:\n- Payments \u0026 pricing, 30 against 15\n\nWatch for: Rate limits are stated without a number\n\n\n## Score by category\n\n| Category | Weight | Plaid Identity Verification | Vouched | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 68 | 50 | Plaid Identity Verification +18 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 91 | 81 | Plaid Identity Verification +10 |\n| Agent ergonomics | 13% (16.2 this run) | 75 | 66 | Plaid Identity Verification +9 |\n| Security \u0026 auth | 14% (17.5 this run) | 61 | 40 | Plaid Identity Verification +21 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 15 | 30 | Vouched +15 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 83 | 60 | Plaid Identity Verification +23 |\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** | **56.4 · C** | |\n\n## Facts side by side\n\n| Fact | Plaid Identity Verification | Vouched |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Plaid Inc. | Vouched Identity, Inc. |\n| Hosted endpoint | no (local only) | 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 Plaid's developer policy and end-user terms. The OpenAPI file and client libraries are MIT | Proprietary service under Vouched's Customer Terms of Service. The React Native capture package is Apache-2.0 |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-13 | 2026-08-28 |\n| Terms last updated | 2025-12-01 | 2026-02-12 |\n| Privacy policy last updated | 2025-12-01 | 2022-12-05 |\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 | yes |\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 | not found in the text |\n| Popularity | 1.2M npm/wk, 656k PyPI/wk | 69 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**Vouched.** Vouched publishes per-transaction prices from $0.75 with a $300 monthly minimum and a 14-day trial, and its docs carry llms.txt, OpenAPI fragments and filterable job search. Rate limits have no number, there is no idempotency key, server SDK or security.txt, and the API status page shows a 70-minute rise in rejections on 1 October 2026.\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### Vouched\n\n1. Use the private key in `X-API-Key` against verify.vouched.id or verify.eu.vouched.id, matching the account's region\n2. Check Find Jobs before resubmitting. There is no idempotency key and each job is billed\n3. Pass `withPhotos=false` and select `fields` on Find Jobs to keep responses small\n4. In a test account, use the name test pass for a clean result and any other name for a failure\n5. Back off on 429. All endpoints share one limit and no figure is published\n\n## Questions\n\n### Which is better for AI agents, Plaid Identity Verification or Vouched?\n\nPlaid Identity Verification scores 67.1 (B) on agent readiness against Vouched's 56.4 (C), and leads in 6 of 7 scored categories. Vouched leads on payments \u0026 pricing.\n\n### Do Plaid Identity Verification and Vouched need an API key?\n\nBoth need an API key.\n\n### Can an agent call Plaid Identity Verification and Vouched without installing anything?\n\nNo hosted endpoint is listed for Plaid Identity Verification. No hosted endpoint is listed for Vouched.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"plaid-identity-verification\", \"b\": \"vouched\"}`. From a terminal: `anchor compare plaid-identity-verification vouched`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plaid-identity-verification.json and https://www.anchorterminal.com/api/v1/tools/vouched.json\n\n## Other comparisons with Plaid Identity Verification or Vouched\n\n- [Alloy vs Plaid Identity Verification](https://www.anchorterminal.com/compare/alloy-vs-plaid-identity-verification.md)\n- [Alloy vs Vouched](https://www.anchorterminal.com/compare/alloy-vs-vouched.md)\n- [ComplyCube vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complycube-vs-plaid-identity-verification.md)\n- [ComplyCube vs Vouched](https://www.anchorterminal.com/compare/complycube-vs-vouched.md)\n- [Didit vs Plaid Identity Verification](https://www.anchorterminal.com/compare/didit-vs-plaid-identity-verification.md)\n- [Didit vs Vouched](https://www.anchorterminal.com/compare/didit-vs-vouched.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 Vouched](https://www.anchorterminal.com/compare/entrust-identity-verification-vs-vouched.md)\n- [Jumio vs Plaid Identity Verification](https://www.anchorterminal.com/compare/jumio-vs-plaid-identity-verification.md)\n- [Jumio vs Vouched](https://www.anchorterminal.com/compare/jumio-vs-vouched.md)\n- [Middesk vs Plaid Identity Verification](https://www.anchorterminal.com/compare/middesk-vs-plaid-identity-verification.md)\n- [Middesk vs Vouched](https://www.anchorterminal.com/compare/middesk-vs-vouched.md)\n- [Persona vs Plaid Identity Verification](https://www.anchorterminal.com/compare/persona-vs-plaid-identity-verification.md)\n- [Persona vs Vouched](https://www.anchorterminal.com/compare/persona-vs-vouched.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 Sumsub](https://www.anchorterminal.com/compare/plaid-identity-verification-vs-sumsub.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- [Shufti vs Vouched](https://www.anchorterminal.com/compare/shufti-vs-vouched.md)\n- [Socure RiskOS vs Vouched](https://www.anchorterminal.com/compare/socure-riskos-vs-vouched.md)\n- [Stripe Identity vs Vouched](https://www.anchorterminal.com/compare/stripe-identity-vs-vouched.md)\n- [Sumsub vs Vouched](https://www.anchorterminal.com/compare/sumsub-vs-vouched.md)\n- [Trulioo vs Vouched](https://www.anchorterminal.com/compare/trulioo-vs-vouched.md)\n- [Veriff vs Vouched](https://www.anchorterminal.com/compare/veriff-vs-vouched.md)\n- [ComplyAdvantage vs Plaid Identity Verification](https://www.anchorterminal.com/compare/complyadvantage-vs-plaid-identity-verification.md)\n- [ComplyAdvantage vs Vouched](https://www.anchorterminal.com/compare/complyadvantage-vs-vouched.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 Vouched", "url": "" } ], "description": "Plaid Identity Verification scores 67.1 (B) to Vouched's 56.4 (C) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "Plaid Identity Verification B 67.1", "Vouched C 56.4", "scores" ], "h1": "Plaid Identity Verification vs Vouched", "image": "https://www.anchorterminal.com/assets/og/compare-plaid-identity-verification-vs-vouched.png", "path": "/compare/plaid-identity-verification-vs-vouched", "published": "2026-10-01", "section": "tools", "title": "Plaid Identity Verification vs Vouched for AI agents (2026)", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/compare/plaid-identity-verification-vs-vouched" }, "tokens": { "markdown": 2650, "slim": 630 }, "version": 1 }