Compared
Certaby vs Veriphy
Veriphy is one of the few peer vendors publishing per-check pricing without an annual contract. Established with estate agents, letting agents, and conveyancers. Focus is on AML and ID with no property-risk overlay; £4+VAT for AML alone, £5+VAT for ID-only, £6.50+VAT for ID-plus-AML combined, plus a £4.50 bank-verify option.
Certaby is £2.95 per Letting Agent Client Check (per-check PAYG). Veriphy is £4+VAT (£4.80) per AML check or £6.50+VAT (£7.80) for ID-plus-AML. So Certaby is roughly 60% the cost of a comparable Veriphy AML check, and Certaby adds the property-risk overlay (MEES verdict, flood, crime, EPC, knotweed) that Veriphy does not ship.
| Feature | Certaby | Veriphy |
|---|---|---|
| Per-check price | £2.95 (S1 entry tier) | £4+VAT (£4.80) AML / £6.50+VAT (£7.80) ID+AML |
| Contract / minimum | None | None (pay as you go) |
| AML depth | Sanctions + PEPs + adverse media | Sanctions + PEPs (lean focus) |
| Property-risk overlay (MEES, flood, crime) | Built in to letting-agent check | Not offered |
| PSC tree walking | Recursive to depth 5 | Limited corporate cover |
| Audit-cert format | Hash-bound + public verifier (7y) | PDF report |
| Bank-verify (Open Banking) | Not in v1 (roadmap) | £4.50+VAT add-on |
| API access for high volume | Sister brand Stratum APIs | Direct API available |
| Source transparency | Source list versions on cert | Proprietary |
Where Veriphy wins
- Veriphy ships an Open Banking bank-verify add-on (£4.50+VAT). Certaby does not have this in v1; conveyancer source-of-funds via TrueLayer / Plaid is on the roadmap, not the product.
- Veriphy is established with estate agents specifically (the sales side, not just letting). Certaby S1 is letting-focused; the estate-agent suite (S5) is on the roadmap.
- If you only need lean AML with no property check, the Veriphy price difference disappears once you peel off the property-risk overlay.
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See the Certaby suite →Frequently asked questions
Is Veriphy cheaper than Certaby on a like-for-like AML check?
No. Certaby S1 entry tier is £2.95 per check; Veriphy is £4+VAT (£4.80) for AML alone. For ID-plus-AML Veriphy is £7.80; Certaby covers comparable scope at £2.95. The Certaby price additionally bundles the property-risk overlay (MEES verdict, flood, crime breakdown) that Veriphy does not ship.
Why would I pick Veriphy over Certaby?
If you specifically need Open Banking bank-verify on the same cert, Veriphy ships that add-on today; Certaby has it on the conveyancer Pro roadmap. If your workflow is estate agency (sales, not lettings), Veriphy has more estate-agent customers today; the Certaby estate-agent suite is in planning.
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 PDF and the public certaby.com/verify/<hash> resolver, which Veriphy does not.
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