Clear Verify vs Smile API

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 Employees can use My Verify to start requests, review employment data, challenge outdated information, and download standard reports.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.

Smile API provides real-time, user-authorized access to verified identity, employment, and financial data through an API. It consolidates information from government, HR and payroll systems, gig economy platforms, and documents users submit. Smile Wink links payroll, government, or HR accounts to retrieve employment and income data. Smile Snap extracts and validates information from identity documents, income statements, photographed IDs, PDFs, and scanned records. Smile Signals combines telecom, behavioral, and email signals for screening, while Smile Flip supports identity checks, face matching, document capture, form autofill, and configurable onboarding workflows. The API uses REST, JSON, and HTTPS, with an OpenAPI specification and Postman collection in its developer resources. New accounts can test in a sandbox using mock data; production access requires approval and is billable. Users can revoke data access, and Smile says the information is deleted through its Revoke API. The company says it complies with the Philippines Data Privacy Act of 2012 and supports data portability rights under Section 18. A free sandbox is listed, while production pricing is available on request.