Argyle vs Clear Verify

Argyle provides income, employment, and asset verification using information consumers authorize it to obtain from payroll, bank, and document sources. Consumers can share current payroll and employment details, connect bank accounts to verify assets and income deposits, or upload paystubs and W-2s for processing. Doc VOI extracts income information and submits it to Freddie Mac’s AIM Check. The API offers standardized reports, granular datasets, real-time visibility, webhook alerts, and REST integration. Argyle names integrations for point-of-sale systems and mortgage loan origination systems, and is an authorized supplier for Fannie Mae’s Desktop Underwriter validation service and an approved provider for Freddie Mac AIM. The company says it covers about 90% of the U.S. workforce and returns more than 170 income data fields with supporting documents. Implementation can use the browser-based Argyle Console or a custom API integration. Argyle lists SOC 2 Type II, ISO 27001, RSA 4096 encryption, SHA-256 signing, and annual independent security audits. Pricing is on request.

Clear Verify is a web service for employment and income verification for employers, employees, and verifiers. The service says it can reduce verification waits from 3–10 days to minutes. Employees can use My Verify to start requests, review employment data, challenge outdated information, and download standard reports. The Verification Inbox lets employers, employees, and verifiers monitor progress, inspect activity logs, and download reports. Employers work with Clear Verify during implementation to arrange automated payroll file uploads, and audit trails record upload changes. The service checks that verifiers are legitimate and credentialed. Clear Verify states that it complies with federal and state CCPA and FCRA regulations, and it requires or encourages multi-factor authentication for sensitive data. The company says it does not sell employee data and shares employment data only with authorized access. Its website is mobile-friendly, while a mobile app is listed as coming soon. The Employers plan costs nothing, with $0 setup fees, $0 monthly fees, and $0 integrations. Commercial verifiers pay a transaction fee for employment and wage data; government verification requests are free.