# Shufti vs Stripe Identity

> Stripe Identity scores 77.7 (BB) to Shufti's 57.8 (C) for identity verification. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/shufti-vs-stripe-identity
- Markdown: https://www.anchorterminal.com/compare/shufti-vs-stripe-identity.md (~2,600 tokens)
- Slim: https://www.anchorterminal.com/compare/shufti-vs-stripe-identity.min.md (~730 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/shufti-vs-stripe-identity.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

Stripe Identity scores 77.7 (BB) on agent readiness against Shufti's 57.8 (C), and leads in 6 of 7 scored categories. Both do identity verification.

- Shufti: grade C, 57.8/100, rank #631 of 1076. Markdown https://www.anchorterminal.com/tools/shufti.md · JSON https://www.anchorterminal.com/api/v1/tools/shufti.json
- Stripe Identity: grade BB, 77.7/100, rank #21 of 1076. Markdown https://www.anchorterminal.com/tools/stripe-identity.md · JSON https://www.anchorterminal.com/api/v1/tools/stripe-identity.json
- Best identity and business verification APIs for AI agents: https://www.anchorterminal.com/best/identity-verification/index.md
- All 119 verification comparisons: https://www.anchorterminal.com/compare/identity-verification/index.md

## Which one, for what

### Shufti (C)

Good for: A team that wants document, face, address, AML and KYB checks behind one endpoint, a free plan for low volume, and an MCP server that hands the person a hosted verification link.

Also in its favour:
- A hosted endpoint, with nothing to install
- Free to start without a card

Watch for: No OpenAPI file or other machine-readable contract was found. The reference is prose tables plus Postman collections

### Stripe Identity (BB)

Good for: A business already on Stripe that needs document and selfie checks or US SSN validation with published prices.

Ahead on:
- Schema & documentation, 94 against 58
- Agent ergonomics, 93 against 47
- Security & auth, 86 against 62
- Payments & pricing, 40 against 35
- Maintenance & community, 85 against 72
- Transparency & trust, 85 against 71

Also in its favour:
- Agent-ready, a grade of BB or better

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


## Score by category

| Category | Weight | Shufti | Stripe Identity | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 65 | 62 | Shufti +3 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 58 | 94 | Stripe Identity +36 |
| Agent ergonomics | 13% (16.2 this run) | 47 | 93 | Stripe Identity +46 |
| Security & auth | 14% (17.5 this run) | 62 | 86 | Stripe Identity +24 |
| Payments & pricing | 10% (12.5 this run) | 35 | 40 | Stripe Identity +5 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 72 | 85 | Stripe Identity +13 |
| Transparency & trust | 7% (8.8 this run) | 71 | 85 | Stripe Identity +14 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **57.8 · C** | **77.7 · BB** | |

## Facts side by side

| Fact | Shufti | Stripe Identity |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Shufti Pro Limited | Stripe, LLC |
| Hosted endpoint | `https://api.shuftipro.com` | no (local only) |
| Transports | HTTP, Streamable HTTP | HTTP |
| Auth | OAuth or key | API key |
| Pricing | Freemium | Pay per use |
| x402 | no | no |
| Licence | Proprietary service under Shufti's Terms and Conditions. The licences of the mobile capture SDKs were not checked | Proprietary service under the Stripe Services Agreement and Stripe Identity Terms. The OpenAPI spec and official SDKs are MIT |
| Tools exposed | 25 | none |
| Read-only variant documented | no | no |
| llms.txt | yes | yes |
| Last release | 2026-10-06 | 2026-10-01 |
| Terms last updated |  | 2026-09-28 |
| Privacy policy last updated | 2026-09-01 | 2026-04-28 |
| Customer content may train models | yes, with an opt-out | yes |
| Terms restrict automated access |  | not found in the text |
| Terms restrict benchmarking |  | not found in the text |
| Terms or service can change without notice |  | not found in the text |
| Arbitration or class-action waiver |  | not found in the text |
| Popularity | 673 npm/wk | 24.2M npm/wk, 11.4M PyPI/wk |

## Verdicts

**Shufti.** One endpoint covers document, face, address, AML and KYB checks, with a free plan of 10 verifications a month, and a hosted MCP server adds OAuth with three scopes. No OpenAPI file, server SDK or idempotency key was found, and the status page history could not be read.

**Stripe Identity.** Stripe Identity runs on the Stripe API, with a public OpenAPI spec, idempotency keys, restricted keys for sensitive fields and a redact endpoint. The product page lists £1.25 per document and selfie check, and the first 50 are free. It has no watchlist or business screening, and outside GB, JP and the US it is in public beta.

## Before you call either

### Shufti

1. POST every verification to `https://api.shuftipro.com/` with a unique `reference` of 6 to 250 characters and one object per service. Read results from `/status` with that reference
2. Register the callback domain in the back office first. An unregistered `callback_url` is rejected
3. Stay under 60 requests a minute per IP on a production account and 20 on a trial account
4. Check the `Signature` response header. Accounts created after 15 March 2023 hash the Secret Key with SHA-256 before appending it to the raw response
5. Through MCP, identity checks return a `verification_url` for the person to open. No tool accepts an image, so use the REST API for offsite proofs

### Stripe Identity

1. Send an Idempotency-Key based on your user reference when creating a VerificationSession, so a retry doesn't make a second session
2. Send the end user the session URL or client secret. The person completes the check, the agent can't. Links expire after 48 hours
3. Use a restricted key for `verified_outputs.dob` and `id_number`. Without an IP restriction it reads them only for 48 hours
4. Wait for `identity.verification_session.verified` or `requires_input` webhooks instead of polling
5. Treat `redact` as irreversible, and don't put personal data in metadata

## Questions

### Which is better for AI agents, Shufti or Stripe Identity?

Stripe Identity scores 77.7 (BB) on agent readiness against Shufti's 57.8 (C), and leads in 6 of 7 scored categories.

### Do Shufti and Stripe Identity need an API key?

Shufti takes an API key or an OAuth sign-in. Stripe Identity needs an API key.

### Can an agent call Shufti and Stripe Identity without installing anything?

Shufti has a hosted endpoint at https://api.shuftipro.com. No hosted endpoint is listed for Stripe Identity.


## For agents

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

## Other comparisons with Shufti or Stripe Identity

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