Softwr

Cybersecurity · head to head

Shufti Pro vs Sila

Shufti Pro logo

Shufti Pro

Cybersecurity

Identity verification and AML screening at the low cost end of the market

From
On request
Rated
-
Full reviewWebsite
Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Shufti Pro rates are not published despite the pay as you go framing, so the cost advantage over premium vendors has to be established through a quote rather than a price list.; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • They diverge on capability: Shufti Pro covers Document verification, Sila covers ACH origination.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Shufti Pro and Sila actually diverge.

Attributes where Shufti Pro and Sila differ
AttributeShufti ProSila
PlatformsWeb, iOS, AndroidWeb, API
CategoryCybersecurityAPIs

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Shufti Pro

  • Document verification
  • Facial biometrics
  • AML screening
  • KYB verification
  • Address verification
  • Age verification
  • Pay as you go option

Only in Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

What people use each for

The jobs each tool is most often brought in to do.

Shufti Pro

  • A crypto exchange onboarding users in markets where premium vendors have poor document coveragenot Sila
  • A gambling operator needing age assurance at high volume where per-check cost dominates the unit economicsnot Sila
  • A gig economy platform verifying couriers whose documents are photographed on low end phonesnot Sila
  • A startup that needs verification without signing an annual volume commitment before it knows its volumenot Sila

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Shufti Pro
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Shufti Pro
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Shufti Pro
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot Shufti Pro

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Shufti Pro

  • Rates are not published despite the pay as you go framing, so the cost advantage over premium vendors has to be established through a quote rather than a price list.
  • Accuracy on difficult document types trails the premium vendors, and the saving per check is often consumed by the manual review headcount handling the additional referrals.
  • The enterprise assurance profile is thinner than that of larger competitors, so regulated bank procurement teams frequently rule it out at the vendor risk stage rather than on capability.
  • Support responsiveness scales with contract size, and pay as you go customers have limited recourse when a document type suddenly starts failing in one market.
  • Country coverage is broad but uneven in depth, meaning the same product can perform very differently across two markets you are launching in simultaneously.

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

Pricing, plan by plan

Shufti Pro

On request
  • Pay as you go$undefined/month
    • Consumption billing with no annual commitment
    • Rate quoted by sales, not published
    • Resubmission sessions stated as not billable
  • Monthly commitment$undefined/month
    • Lower per-verification rate against a volume commitment
    • AML screening and KYB priced as add-ons
    • Free trial available before contracting

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

Which should you pick?

Choose Shufti Pro if

  • You need document verification.
  • You work on Web, iOS, Android.
  • You also want facial biometrics.
Shufti Pro review

Choose Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Questions people ask

Is Shufti Pro or Sila better?
Neither clearly leads. Shufti Pro starts at On request and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Shufti Pro or Sila?
Shufti Pro starts at On request and Sila at On request.
Does Shufti Pro or Sila run on more platforms?
Shufti Pro runs on Web, iOS, Android. Sila runs on Web, API.
What is Shufti Pro best used for?
Shufti Pro is most often used for a crypto exchange onboarding users in markets where premium vendors have poor document coverage, a gambling operator needing age assurance at high volume where per-check cost dominates the unit economics, a gig economy platform verifying couriers whose documents are photographed on low end phones, a startup that needs verification without signing an annual volume commitment before it knows its volume. Of those, a crypto exchange onboarding users in markets where premium vendors have poor document coverage and a gambling operator needing age assurance at high volume where per-check cost dominates the unit economics are not what Sila is typically brought in for.
What can Shufti Pro do that Sila cannot?
Shufti Pro covers Document verification, Facial biometrics, AML screening, KYB verification. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts.

Answered from the vendors’ own pages

Shufti Pro: Are failed attempts charged?

Shufti states that resubmission sessions are not charged and that billing follows successful verification attempts. Get that written into the contract, because it materially changes total cost.

Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

Shufti Pro: Is there a published price?

No. Plan structures are published but rates are quoted. Third party estimates put effective cost well below premium vendors.

Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

Shufti Pro: Can we start without a commitment?

Yes. A pay as you go option exists, which is unusual in this category and useful for early stage volume.

Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

Share

Related pages

More on Shufti Pro

More on Sila

Keep looking

Other head to heads