Compared
Certaby vs Veriphy
Veriphy is one of the few peer vendors publishing per-check prices without an annual contract, established with estate agents, letting agents and conveyancers. Its 2026 price list includes a standalone PEP and sanctions screen at £1.50+VAT, an AML and anti-fraud check with identity verification from £6+VAT, bank account verification at £1+VAT, source of funds analysis at £15+VAT and a UK company check at £9+VAT. It has no property-risk overlay.
For the screening itself Certaby is cheaper: £1.39 a person for sanctions, PEP and adverse media against Veriphy's £1.50+VAT (£1.80) standalone screen, and £2.99 for a company and its owners against Veriphy's £9+VAT UK company check. Veriphy's full AML check (from £6+VAT) also verifies identity, which Certaby does not do yet, so compare like for like. Certaby adds the property risk pack (MEES verdict, flood, crime, EPC) that Veriphy does not offer.
| Feature | Certaby | Veriphy |
|---|---|---|
| PEP and sanctions screen | £1.39 a person (with adverse media) | £1.50+VAT (£1.80) |
| AML check with ID verification | Not yet: you check the document, Certaby records it | From £6+VAT, biometric options |
| Company check | £2.99, every director and owner screened | £9+VAT UK company check |
| Contract / minimum | None | None (pay as you go) |
| Property-risk overlay (MEES, flood, crime) | The property risk pack, £1.29 | Not offered |
| Bank account verification / source of funds | Not offered yet | £1+VAT bank verification; £15+VAT source of funds |
| Audit-cert format | Hash-bound + public verifier (7y) | PDF report |
| API access for high volume | Sister brand Stratum APIs | Direct API available |
| Source transparency | Source list versions on cert | Proprietary |
Where Veriphy wins
- Veriphy verifies identity (with biometric options) and offers bank account verification and source of funds analysis. Certaby does none of these yet; if you need them on the same file today, Veriphy covers them.
- Veriphy has a long track record with estate agents. Certaby's property sale checks are newer.
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Frequently asked questions
Is Veriphy cheaper than Certaby on a like-for-like AML check?
For screening, no: Certaby is £1.39 a person for sanctions, PEP and adverse media, and Veriphy's standalone PEP and sanctions screen is £1.50+VAT (£1.80). Veriphy's AML check from £6+VAT also verifies identity, which Certaby does not do yet, so compare like for like. Certaby also includes the property risk pack, which Veriphy does not offer.
Why would I pick Veriphy over Certaby?
If you need identity verification, bank account verification or source of funds analysis on the same file today, Veriphy ships them; Certaby has them on its roadmap.
Do both pass the MLR-2017 audit-trail requirement?
Yes. The regulation specifies content (identifiers, list versions, timestamp, matcher result), not vendor. Both produce inspector-acceptable evidence. Certaby additionally ships the hash-bound certificate and the public certaby.com/verify/<hash> resolver, which Veriphy does not.
Or see the 5-vendor matrix to compare Certaby against all peers in one view, run the free suite demo for no card, or review pricing.