kyccost

Independent reference. Not legal or regulatory advice. Consult a qualified compliance specialist for advice specific to your jurisdiction and risk profile. See methodology.

Cluster 5 / Neutral context

How major KYC platforms structure pricing.

Neutral, descriptive, non-comparative. Four common pricing structures, published per-check anchors, enterprise-tier benchmarks, volume-discount mechanics, and what sits outside the platform line. Built for an RFP, not a vendor pitch.

Per-verification: $0.10 - $2.00 | Platform plans: from $149/mo | Enterprise: $50k - $250k+ annually

The four common pricing structures.

Per-verification with monthly minimum

Sumsub on the Network plan, Veriff on smaller-scale plans. Predictable per-check commercials, monthly minimum buys access to the platform. Suits firms where verification volume is the dominant cost driver.

Tiered platform plans

ComplyCube, Persona Plus, Sumsub Starter and Pro plans. Bundled feature scope at price points; verification volume often included up to a tier ceiling. Suits firms where feature scope (orchestration, EDD module, case management) matters more than per-check commercials.

Enterprise custom annual

Onfido, Jumio, Trulioo, Persona Enterprise. Annual contracts beginning $50,000-$200,000 with custom builds beyond. Volume-committed pricing 30-60% below published per-check rates. Suits scale fintechs onboarding 100k+ customers a year.

Hybrid platform + per-check

Most vendors at scale. Annual platform commitment plus committed-use per-verification rate. The most common large-fintech configuration. Suits procurement teams that need both predictability and unit-cost transparency.

Published commercials.

VendorPricing structureAnchor commercialsSource
SumsubPer-verification + monthly minimum$1.35 reusable verification, plans from $149/mosumsub.com/pricing 2025
ComplyCubeTiered platform plans + per-check$0.10 - $1.50 ID document, $0.25 - $2.00 biometriccomplycube.com 2025
VeriffPer-check, volume-discountedFrom $0.80 per check, enterprise on applicationveriff.com 2025
OnfidoEnterprise custom contractsAnnual contracts typically $50k - $200k+Industry RFP benchmarks 2025
JumioEnterprise custom contractsAnnual contracts typically $50k - $250k+Industry RFP benchmarks 2025
TruliooEnterprise custom + per-call APICustom; per-API-call commercials at scaletrulioo.com 2025
PersonaTiered platform + per-verificationPlus and Premium tiers; enterprise on applicationwithpersona.com 2025

Vendor names appear here in descriptive context only. This site does not rank or recommend platforms. Contracts are negotiated; published commercials are the floor reference, not the typical engagement price.

Enterprise-tier reality.

For Onfido, Jumio, Trulioo, Persona Enterprise, and Sumsub at upper-tier scale, annual contracts begin at $50,000-$200,000 and run materially higher for multi-jurisdictional or multi-product builds. The contract buys a committed-use level; per-verification commercials within the commit are typically 30-60% below published rates. The break-even point at which the committed contract beats pay-as-you-go commercials usually falls around 50,000-100,000 verifications a year on a single product line.

The published vendor pricing pages on the open web are pitched at startups and SMEs. Scale fintechs almost always negotiate; the asymmetry between published and contracted commercials is one of the larger cost-control levers in compliance procurement. RFP discipline at the £100,000+ vendor-spend mark routinely returns 20-40% off published rates.

Volume-discount mechanics.

Up to 10k / yr
Published rates
vs published per-verification rate
10k - 50k / yr
10 - 25% off
vs published per-verification rate
50k - 250k / yr
25 - 45% off
vs published per-verification rate
250k+ / yr
40 - 60% off + custom
vs published per-verification rate

Step-tier and committed-use discounting compound. The procurement implication is concrete: an RFP that decomposes pricing into platform fee, committed-use floor, per-verification rate above commit, and per-feature (sanctions data, EDD module, ongoing monitoring) line items will surface 15-30% of cost that a bundled quote routinely hides.

What sits outside the platform price.

Sanctions / PEP / adverse media data feeds

£40k - £200k / yr

Often a separate provider (LSEG World-Check, Dow Jones, ComplyAdvantage). See sanctions-screening cost page.

Ongoing monitoring add-ons

20 - 40% of platform fee

Continuous screening, transaction monitoring integration, perpetual KYC orchestration.

EDD module

£15k - £60k / yr

Source-of-funds workflow, UBO mapping, senior approval queue. Often gated to higher tiers.

Document translation

£0.10 - £0.50 per page

Cross-border UBO chains; per-page commercials with multi-language vendors.

Fraud-signal API

£0.05 - £0.40 per call

Behavioural / device fingerprint signals layered on the verification. Optional but increasingly common.

Integration / SI cost

£25k - £150k

One-off systems-integrator cost. Lower at lower complexity; higher for multi-product, multi-jurisdictional builds.

For a mid-sized fintech, these lines together typically add 40-80% on top of the headline platform price. Surfacing them in the RFP is the difference between a defensible budget and a budget that overruns mid-year. The RegTech cost page maps where each line sits in the broader compliance stack.

The build crossover signal.

Above roughly 250,000-500,000 onboardings a year, the buy TCO crosses the build TCO for a single-jurisdiction fintech. Below that, buy almost always wins. The realistic answer for most scale fintechs is hybrid: buy identity verification, buy sanctions data, build workflow plus decisioning plus case management. See the build vs buy page for the full crossover analysis.

Provider pricing questions

How is KYC API pricing structured?+
Four common structures: per-verification with monthly minimum (Sumsub, Veriff at smaller scale), tiered platform plans with included verifications (ComplyCube, Persona Plus), enterprise custom annual contracts (Onfido, Jumio, Trulioo at scale), and hybrid platform-plus-per-check (most vendors at scale). The hybrid model usually wins on transparency once volume passes 50,000 verifications a year.
What does Sumsub cost per check?+
Sumsub publishes $1.35 per reusable verification on its Network plan, with monthly platform minimums starting at $149. The $1.35 figure is the platform commercial only and excludes ongoing monitoring add-ons, EDD module pricing and integration cost. At scale, enterprise contracts move both the platform minimum and the per-verification rate; published commercials are the floor, not the typical contract.
Is there a transparent KYC vendor on the market?+
ComplyCube, Sumsub and Veriff publish per-check rates and platform minimums. Onfido, Jumio, Trulioo and Persona publish very limited commercial detail and quote on application. Transparency is a deliberate positioning choice; both camps include credible vendors. Procurement teams should not equate published pricing with cheaper pricing because volume-discounted enterprise commercials often beat the published rate.
How does enterprise tier pricing work?+
Onfido, Jumio, Trulioo, Persona and Sumsub at upper-tier scale all sell annual contracts. Industry RFP benchmarks place these contracts at $50,000-$200,000 annually for a single product line, with custom builds (multi-jurisdictional, multi-product, complex integration) running into the higher hundreds of thousands. The annual minimum buys a committed-use level; per-verification commercials within the commit are typically 30-60% below published rates.
What sits outside the platform price?+
Sanctions / PEP / adverse media data feeds (often a separate provider, separately licensed), ongoing monitoring add-ons, EDD module, document translation, fraud-signal API, and the integration / systems-integrator cost. For a mid-sized fintech, these lines together typically add 40-80% on top of the headline platform price. Building an RFP that separates them is the single most useful procurement discipline this page can encourage.
When should a fintech move from buy to build?+
Above roughly 250,000-500,000 onboardings a year, the buy TCO crosses the build TCO for a single-jurisdiction fintech, lower for multi-product / multi-jurisdictional, materially higher for low-EDD retail. Most scale fintechs settle on hybrid: buy identity verification, buy sanctions data, build workflow / decisioning / case management. See the <Link href='/build-vs-buy/'>build vs buy</Link> page for the crossover analysis.

Sources cited on this page

  1. Sumsub published platform pricing
  2. ComplyCube published platform pricing
  3. Veriff published platform pricing
  4. Onfido pricing context (industry RFP benchmarks 2025)
  5. Jumio pricing context (industry RFP benchmarks 2025)
  6. Persona pricing
  7. Trulioo pricing