# Stripe Identity alternatives

Title: Stripe Identity alternatives

Description: KYC and KYB, as part of a processor or as a separate check. Read November 9, 2026. Source pages linked. Compared with Stripe. No invented rates.

Stripe Identity verifies people. You buy it when you need a check and you do not want to become a payments company. Replacing Identity is a different project from replacing the card processor. This directory's processor with KYC and KYB in the same API is Frame.

## When does Frame Payments replace an identity check?

This directory's processor with KYC and KYB in the same API is **Frame**. The pricing page sells identity, document checks, and KYB prefill as compliance products, several of them "contact sales," separate from the card rate. Choose Frame when you also want Frame to process and to underwrite. Do not choose it only because you need a document scan and you are happy on Stripe.

## When should identity stay a separate vendor?

Standalone identity vendors exist and are often the right buy next to Stripe, Braintree, or a gateway. They are not in the pricing dataset yet. This page will not invent a per-verification price for them. Compare a vendor on document coverage, whether you need KYB or only KYC, and whether the check is allowed to block a payout.

## Which platform tools include onboarding checks?

Payfacs and platform tools, Finix, Rainforest, Payabli, Tilled, WePay, Mangopay, include onboarding checks because they have to. You get those checks by becoming their platform customer, not by calling an identity API from a single-merchant Stripe account.

## Questions

### When does Frame Payments replace an identity check?

This directory's processor with KYC and KYB in the same API is Frame. The pricing page sells identity, document checks, and KYB prefill as compliance products, several of them "contact sales," separate from the card rate. Choose Frame when you also want Frame to process and to underwrite. Do not choose it only because you need a document scan and you are happy on Stripe.

### When should identity stay a separate vendor?

Standalone identity vendors exist and are often the right buy next to Stripe, Braintree, or a gateway. They are not in the pricing dataset yet. This page will not invent a per-verification price for them. Compare a vendor on document coverage, whether you need KYB or only KYC, and whether the check is allowed to block a payout.

### Which platform tools include onboarding checks?

Payfacs and platform tools, Finix, Rainforest, Payabli, Tilled, WePay, Mangopay, include onboarding checks because they have to. You get those checks by becoming their platform customer, not by calling an identity API from a single-merchant Stripe account.

### Where were the figures on this page read?

The sources list names the pages. This edition was read on November 9, 2026. Stripe's US domestic card rate in that reading is 2.9% + $0.30, and a dispute received is $15.

### When should you stay on Stripe?

Stay when the Stripe account is healthy and you still need Billing, Tax, Connect, or Terminal. Moving subscriptions costs more than a gap of a few dollars on a $10,000 month.

## Sources

Last verified November 9, 2026.

- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

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- [Stripe Connect alternatives](/stripe-connect-alternatives.md)
- [Stripe Radar alternatives](/stripe-radar-alternatives.md)
- [Stripe Billing alternatives](/stripe-billing-alternatives.md)
- [Stripe Terminal alternatives](/stripe-terminal-alternatives.md)
- [Alternatives to Stripe products](/stripe-products.md)
- [Stripe alternatives directory](/index.md)
- [Stripe pricing and US card fees](/alternatives/stripe.md)