Equifax Identity Matching vs Mastercard Employment Verification API
Equifax Identity Matching
developer.equifax.comMastercard Employment Verification API
mastercard.comSide by side
| Figure | Equifax Identity Matching | Mastercard Employment Verification API |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Employment Verification Software | 7.9 (#6) | 7.5 (#13) |
| API access | The developer page says API reference and additional API documentation require sign-in. | Mastercard directs developers to employment verification report APIs, documentation, API testing, and API key access through Mastercard Developers. |
| Intended users | Equifax identifies financial services, telecommunications, utilities, and other consumer service providers as suitable industries. | Mastercard describes its employment and income verification services for lenders, landlords, and employers, including mortgage and loan decisions, tenant screening, and background checks. |
| Purpose | Identity Matching identifies and links customer information across disconnected data sources, including when names or addresses vary. | The service provides digital employment verification for borrowers. |
| Security | Equifax says Identity Matching data undergoes encryption and tokenization to support data privacy and compliance controls. | Mastercard describes the service as fast, easy, and secure for the parties involved. |
Plans
Mastercard Employment Verification API
- Employment Verification APIPriced on request
In their own words
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.
Mastercard Employment Verification API
Mastercard Employment Verification API has no write-up on Specifiction yet; its figures are above.