Appendix I: Vendor evaluation of key considerations
For more information on each of the considerations, please see Key Considerations.
For some of the vendors, the answer is “unknown,” and we continue working to try to find that information. For ease of reading on a variety of screen sizes, the evaluation is split into two charts:

Part 1

Pricing
UX at account creation
Backlog management
Alloy
Unknown
Step-up process:
- API for PII collection
- UX for doc verification
- Has batch API to check PII
- UX for doc verification
Cognito
$0.70 - $0.99 / verification
API for PII collection
Has batch API available but won’t be able to verify phone number
Ekata
$0.10 - $0.25 / query
API for PII collection
No batch API to check PII
Experian
$0.10 - $0.25 / query, plus $2,500 or $6,500 set-up fee based on implementation detail
Step-up process:
- API for PII collection
- UX for doc verification
- UX for UI agents to input info provided via phone
- Has batch API to check PII
- UX for doc verification
ID.me
$4.00 / verification; $2.00 for subsequent years’ renewal
- Complete UX for PII collection and doc verification
- UX for PII collection and doc verification
Idemia
$2.50 to $5.50 / verification
Step-up process:
- API for PII collection
- UX for doc verification
- Has batch API to check PII
- UX for doc verification
IDology
Unknown
Step-up process:
- API for PII collection
- UX for doc verification
- API for PII collection
- UX for doc verification
SentiLink
~$0.25 / verification
API for PII collection
Has batch API to check PII
Socure
Mid-to-high single digit cents / PII query; add’l $1/query for doc verification
Step-up process:
- API for PII collection
- UX for doc verification
- API for PII collection
- UX for doc verification

Part 2

Identity proofing methods (and product names, if applicable)
Data sources
Alloy
Highly configurable: KBV, 2FA, synthetic identity detection (including looking at device “fingerprinting” and IP address), document verification, biometric verification
Partnerships with 65+ data vendors including ones we have or will evaluate: Acuant, Iovation from TransUnion, Ekata, Socure, Cognito, Sentilink, and IDology
Cognito
- Cognito Identity Verification Service: 2FA, synthetic identity detection
- Blocksore product: 2FA, synthetic identity detection, KBV
Credit bureaus and public data sources
Ekata
Synthetic Identity Detection
Public data sources -- does NOT check SSN
Experian
Experian PreciseID: Synthetic Identity detection, KBV, 2FA
Experian Identity Proofing: Document verification, biometric verification
Credit file info; SSA Death Master File; marketing data; Motor vehicle info from auto dealerships and DMVs; public data sources
ID.me
Synthetic identity detection, document verification, biometric verification
Credit bureaus, SSA Death Master File, telco records, public data sources
Idemia
Idemia Proof: Synthetic identity detection, document verification, biometric verification
Credit file info; DMV database; "Systems of record"
IDology
ExpectID: Synthetic identity detection
ExpectID IQ: KBV, synthetic identity detection
Document Scan Solution: both document verification and biometric verification
Motor vehicle info, voting record, creditor information, utility bills
Have “Consortium Fraud Network” for additional commercial sources
SentiLink
Synthetic identity detection
Credit bureaus, utility data, SSA Death Master File, selective service information
Socure
KYC identity verification module & Sigma Fraud products: synthetic identity detection
DocV product: both document verification and biometric verification
Credit bureaus, utility data, telco, public data sources
Last modified 7mo ago
Copy link
Contents
Part 1
Part 2