Overview

Trulioo offers a platform for digital identity verification, primarily serving businesses that require anti-money laundering (AML) and know-your-customer (KYC) compliance, fraud prevention, and efficient customer onboarding. Founded in 2011, Trulioo's core product, GlobalGateway, consolidates access to multiple data sources to verify identities across over 195 countries and territories Trulioo GlobalGateway overview. This approach aims to provide broad coverage for verifying individuals and businesses.

The platform is designed for sectors such as financial services, payments, online marketplaces, and gaming, where regulatory adherence is critical. Trulioo's API-first approach allows developers to integrate identity verification capabilities directly into their applications and workflows. This includes real-time checks against government-issued IDs, credit bureaus, watchlists, and other data sets. The objective is to reduce manual review times and enhance the user experience during account creation or transaction processing.

Trulioo's offerings extend beyond basic identity checks to include specific products such as Identity Document Verification, which uses AI to analyze documents for authenticity, and Business Verification, for assessing the legitimacy of corporate entities Trulioo Products page. The system also supports Watchlist Screening to identify individuals or entities on sanctions lists and Politically Exposed Persons (PEPs) lists, a common requirement under AML regulations. Furthermore, Address Verification helps confirm residential or business addresses, assisting with compliance and fraud detection.

The service emphasizes its ability to scale globally, providing access to diverse data sources to accommodate varying regulatory landscapes and data availability across different regions. For example, while some regions may rely heavily on government ID databases, others might leverage utility bills or mobile network data for verification. This adaptability is a key consideration for companies operating internationally, as highlighted by industry analysis of global identity verification challenges Gartner report on identity verification. Trulioo's platform is designed to abstract these complexities, offering a unified API endpoint for various verification needs.

Key features

  • GlobalGateway: A unified API for accessing identity data sources across 195+ countries and territories, enabling real-time identity verification for individuals and businesses Trulioo GlobalGateway solution.
  • Identity Document Verification: AI-powered analysis of government-issued identity documents to confirm authenticity and extract data for verification purposes.
  • Business Verification: Tools to verify the legitimacy and details of corporate entities, including registration status, beneficial ownership, and legal structure.
  • Watchlist Screening: Automated checks against sanctions lists, Politically Exposed Persons (PEPs) lists, and adverse media to support AML compliance and risk assessment.
  • Address Verification: Confirms the validity of residential and business addresses, aiding in fraud prevention and compliance with 'Know Your Customer' requirements.
  • Customizable Workflows: Ability to configure verification flows based on risk profiles, regional regulations, and specific business requirements.
  • Data Privacy and Compliance: Adherence to global data protection regulations, including SOC 2 Type II, GDPR, ISO 27001, and PCI DSS Trulioo Security and Compliance.
  • Sandbox Environment: A dedicated environment for developers to test API integrations and experiment with different verification scenarios before deployment.

Pricing

Trulioo utilizes a custom enterprise pricing model. Specific costs are determined based on factors such as transaction volume, product features required, geographic coverage, and overall usage. Organizations interested in Trulioo's services typically engage with their sales team for a tailored quote.

Service/Feature Pricing Model Notes
Identity Verification Checks Volume-based, per transaction Costs vary by data source access, country, and verification type.
Document Verification Per document processed Pricing influenced by the complexity of analysis and fraud detection features.
Business Verification Per business entity check Dependent on the depth of corporate data accessed.
Watchlist Screening Per screening event or ongoing monitoring Includes checks against global sanctions and PEPs lists.
Platform Access & Support Included in custom package Enterprise-level support, API access, and dashboard functionality.

Pricing information accurate as of 2026-05-06. For current pricing details, please refer to the Trulioo Contact Sales page.

Common integrations

Trulioo's API is designed for direct integration into various business applications and platforms. Key integration points include:

  • Customer Onboarding Systems: Integrating Trulioo's identity verification into new account registration flows to automate KYC checks and reduce manual review.
  • Payment Gateways and Platforms: Utilizing Trulioo for enhanced fraud prevention and compliance within payment processing workflows Trulioo Fraud Prevention use case.
  • CRM Systems: Populating customer relationship management (CRM) platforms with verified identity data during the customer lifecycle.
  • Risk Management Platforms: Feeding verification results and risk scores into broader enterprise risk management systems.
  • Fintech Applications: Embedding identity verification directly into digital banking, lending, and investment applications to meet regulatory requirements.

Alternatives

  • Jumio: Offers AI-powered identity verification, KYC, and AML solutions, primarily focused on document and selfie-based verification.
  • Onfido: Provides identity verification and authentication services using AI and biometrics, with a strong emphasis on document analysis and facial recognition.
  • Persona: A customizable identity infrastructure platform that allows businesses to build their own verification flows, supporting various identity checks.

Getting started

To begin integrating with Trulioo, developers typically sign up for a developer account to access API keys and the sandbox environment. The process involves making API calls to send customer data for verification and receiving a response that indicates the verification status and details. The following Python example demonstrates a basic identity verification call using Trulioo's API.

Before running, replace YOUR_TRULIOO_API_KEY with your actual API key and ensure you have the requests library installed (pip install requests).

import requests
import json

TRULIOO_API_BASE_URL = "https://api.globalgateway.trulioo.com/"
API_KEY = "YOUR_TRULIOO_API_KEY"

headers = {
    "Content-Type": "application/json",
    "x-trulioo-api-key": API_KEY
}

def verify_individual(first_name, last_name, day, month, year, street_number, street_name, city, state_province, postal_code, country_code):
    payload = {
        "AcceptTruliooTermsAndConditions": True,
        "CleansedAddress": False,
        "ConfigurationName": "Identity Verification",
        "CountryCode": country_code,
        "DataFields": {
            "PersonInfo": {
                "FirstGivenName": first_name,
                "FirstSurName": last_name,
                "DayOfBirth": day,
                "MonthOfBirth": month,
                "YearOfBirth": year
            },
            "Location": {
                "StreetNumber": street_number,
                "StreetName": street_name,
                "City": city,
                "StateProvince": state_province,
                "PostalCode": postal_code,
                "CountryCode": country_code
            }
        }
    }

    try:
        response = requests.post(TRULIOO_API_BASE_URL + "verifications/v1/" + country_code,
                                 headers=headers, data=json.dumps(payload))
        response.raise_for_status() # Raise an HTTPError for bad responses (4xx or 5xx)
        return response.json()
    except requests.exceptions.HTTPError as http_err:
        print(f"HTTP error occurred: {http_err}")
        print(f"Response: {response.text}")
    except Exception as err:
        print(f"An error occurred: {err}")
    return None

# Example usage (replace with actual test data)
result = verify_individual(
    first_name="John",
    last_name="Doe",
    day=15,
    month=6,
    year=1980,
    street_number="123",
    street_name="Main St",
    city="Anytown",
    state_province="CA",
    postal_code="90210",
    country_code="US"
)

if result:
    print(json.dumps(result, indent=2))
    if result.get("Record", {}).get("Datasources", []):
        print("Verification successful. Check results for details.")
    else:
        print("Verification failed or no data sources matched.")
else:
    print("Could not complete verification.")

This Python code snippet illustrates how to construct a request payload with an individual's personal and address information and send it to the Trulioo API for verification. The response contains detailed information about the verification status from various data sources. For more complex scenarios, such as document verification or business verification, the payload structure and endpoint will differ, as detailed in the Trulioo API reference documentation.