Argyle vs Equifax Identity Matching
Argyle
argyle.com
Equifax Identity Matching
developer.equifax.comSide by side
| Figure | Argyle | Equifax Identity Matching |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Employment Verification Software | 7.6 (#10) | 7.9 (#6) |
| Founded | 2018 | 1899 |
| Headquarters | New York City, New York, United States | Atlanta, Georgia, United States |
| Integrations | Named POS integrations include nCino, Tidalwave, The BIG Point of Sale, Floify, Consumer Connect, LenderLogix, and TazWorks. | Batch services are supported through MFT integrations, and the listed cloud environments are Snowflake and Google Cloud Platform BigQuery. |
| Purpose | Argyle automates income, employment, and asset verifications using consumer-permissioned data from payroll, bank, and document sources. | Identity Matching identifies and links customer information across disconnected data sources, including when names or addresses vary. |
| Security | Argyle lists SOC 2 Type II certification, ISO 27001, RSA 4096 encryption, SHA-256 signing, and annual independent security audits. | Equifax says Identity Matching data undergoes encryption and tokenization to support data privacy and compliance controls. |
Plans
In their own words
Argyle
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.
Equifax Identity Matching
Equifax Identity Matching links customer information held in disconnected sources, including records where names or addresses differ. It assigns persistent consumer identifiers and can create consumer, household, and address keys, helping organizations form a single customer view. Equifax says it compares multiple datasets and data-element combinations, and can combine company records with consumer credit and specialty finance data. Matching and updates are described as cloud-based and near real time, with incremental key changes available through delta services. Delivery options include batch services, an online API, and cloud-native Keying as a Service in Snowflake or Google Cloud Platform BigQuery environments. Confidential Keying keeps raw personal information in a customer cloud environment. Data is encrypted and tokenized, usage is regulated by GLBA, and processes are regularly validated. OAuth 2.0 client credentials secure APIs; production access requires credentials and whitelisted IP addresses. Pricing is on request.