Equifax Identity Matching vs Smile API
Equifax Identity Matching
developer.equifax.com
Smile API
getsmileapi.comSide by side
| Figure | Equifax Identity Matching | Smile API |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Employment Verification Software | 7.9 (#6) | 7.9 (#7) |
| Company | Equifax describes itself as a global data, analytics, and technology company serving financial institutions, companies, employers, and government agencies. | The maker identifies itself as Smile Technology Pte Ltd. and lists its address as 68 Circular Road, #02-01, 049422, Singapore. |
| Headquarters | Atlanta, Georgia, United States | The company contact page lists Smile Technology Pte Ltd at 68 Circular Road, #02-01, Singapore 049422. |
| Integrations | Batch services are supported through MFT integrations, and the listed cloud environments are Snowflake and Google Cloud Platform BigQuery. | The maker describes integration through a unified API, plug-and-play APIs, and a developer SDK; Smile Wink can also be embedded as a widget or sent by email. |
| Purpose | Identity Matching identifies and links customer information across disconnected data sources, including when names or addresses vary. | Smile API provides real-time, user-authorized access to identity, employment, and income data through one API. |
| Security | Equifax says Identity Matching data undergoes encryption and tokenization to support data privacy and compliance controls. | Smile says credentials are sent to data sources over TLS and data is encrypted using RSA 4096 with SHA-256 signing. |
| Use cases | Equifax lists CRM improvement, identifying unique customers, customer retention through targeting and personalization, and reducing data integration and collection costs as use cases. | The maker lists buy now, pay later, personal lending, earned wage access, banking, card issuing, recruitment, rental verification, and data services as use cases. |
Plans
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.
Smile API
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.