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APIs · head to head

Sila vs Veriff

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
Veriff logo

Veriff

Cybersecurity

Document and biometric identity verification with published per-check pricing

From
$0.8/verification
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Veriff you pay per verification attempt, not per verified customer, so a confusing capture flow or poor lighting on mobile makes you pay two or three times for one onboarding.
  • They diverge on capability: Sila covers ACH origination, Veriff covers Document verification.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Sila and Veriff actually diverge.

Attributes where Sila and Veriff differ
AttributeSilaVeriff
Starting priceOn request$0.8/verification
Pricing modelquotePer verification
PlatformsWeb, APIWeb, iOS, Android, API
CategoryAPIsCybersecurity

Identical on both: 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 Sila

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

Only in Veriff

  • Document verification
  • Biometric liveness
  • Hybrid review
  • Screening add-ons
  • Ongoing monitoring
  • Age estimation

What people use each for

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

Sila

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

Veriff

  • A crypto exchange that needs a published rate to model unit economics before committing to a KYC vendornot Sila
  • A marketplace verifying sellers in dozens of countries where a single document library matters more than depth in one marketnot Sila
  • A mobility platform running age and licence checks at signup with volumes too small for an enterprise contractnot Sila
  • A regulated firm wanting automated decisions by default but human review on borderline cases, priced explicitlynot Sila

Where each one falls short

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

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.

Veriff

  • You pay per verification attempt, not per verified customer, so a confusing capture flow or poor lighting on mobile makes you pay two or three times for one onboarding.
  • The headline $0.80 covers the document and selfie check only; adding PEP and sanctions screening at $0.64 nearly doubles the per-check cost, which is the number regulated buyers actually need.
  • Monthly minimums of $49 and $99 are low but real, so a product with seasonal signup patterns pays in quiet months.
  • Automated decision quality varies sharply by document type and issuing country, so a strong global average conceals weak performance in specific markets you may depend on.
  • Standard data retention is short and extending it to two years is a $0.30 per verification add-on, which matters because most financial regulators require records for five years or more.

Pricing, plan by plan

Sila

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

Veriff

$0.8/verification
  • Essential$0.8/verification
    • Fully automated decisions
    • $49 per month minimum
    • Documents from 230+ countries
  • Plus$1.39/verification
    • Hybrid automation with human review
    • $99 per month minimum
    • Enhanced fraud prevention for regulated industries
  • Enterprise$undefined/year
    • Volume pricing negotiated
    • Dedicated support and custom SLAs
    • Custom data retention and residency terms

Which should you pick?

Choose Sila if

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

Choose Veriff if

  • You need document verification.
  • You work on Web, iOS, Android, API.
  • You also want biometric liveness.
Veriff review

Questions people ask

Is Sila or Veriff better?
Neither clearly leads. Sila starts at On request and Veriff at $0.8/verification, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Sila or Veriff?
Sila starts at On request and Veriff at $0.8/verification.
Does Sila or Veriff run on more platforms?
Sila runs on Web, API. Veriff runs on Web, iOS, Android, API.
What is Sila best used for?
Sila is most often used for a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three, a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself, a community bank replacing batch file ach processing with an api so it can offer real-time payments to business customers, a lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integration. Of those, a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three and a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself are not what Veriff is typically brought in for.
What can Sila do that Veriff cannot?
Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts. Veriff covers Document verification, Biometric liveness, Hybrid review, Screening add-ons.

Answered from the vendors’ own pages

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.

Veriff: What does a verification actually cost?

$0.80 on Essential or $1.39 on Plus, before add-ons. Sanctions and PEP screening adds $0.64 and ongoing monitoring $0.09 per verification.

Sila: Is Sila still operating?

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

Veriff: Are failed attempts charged?

Sessions are charged, so retries by the same user generally cost you again. Ask for the exact billing definition of a session before signing.

Sila: What does it cost?

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

Veriff: How long is data retained?

The default retention period is short and two-year extended retention is a paid add-on at $0.30 per verification, which is worth checking against your regulatory record-keeping obligations.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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