Article

Passbase vs Jumio: A Service Comparison

Covering identity verification services offered by Passbase and Jumio as well as their features, applications and pricing

Companies today need tools to orchestrate solutions that balance security and convenience, risk and user experience. Companies need to be able to build trust from the start with new users, maintain trust with customers, and reassert trust to protect both the business and individuals. To do this, businesses need to offer individuals an intuitive and secure way to prove their identities online.

Identity solutions help businesses serve end users better and guard against fraud. This can be for customers, employees, patients and any other end user that a business needs to verify the identity of to give access to services or authorize tasks. Teams need to choose the right identity verification platform to meet their use case needs while factoring user experience, regulations, and security.

In this article, we will cover the basics of identity verification for digital services, and provide an overview comparison of Passbase and Jumio’s services that enable businesses to compile the right end-to-end identity solution for their business needs and products.

Solving the problem of online identities

Businesses today need to build trust from the first touch point to convert new users and retain them. To do this, businesses need to know the true identities of the individuals they are serving. Knowing the true identity of an individual helps companies meet AML/CFT compliance requirements, reduce fraud, secure user accounts with more secure authentication methods.

Using the latest image recognition technologies, companies can authenticate official ID documents and match them to a person’s camera selfie to unlock a new kind of digital experience. User onboarding becomes easy; customers can replace passwords and finicky SMS or e-mail based 2FA security measures with more secure biometric authentication; the same identity verification step provides enough information for companies to do watchlist or database checks and age verification.

Identity providers today not only help businesses navigate KYC for compliance purposes, but also reshaping their relationships with customers. Understanding the services and features between companies like Passbase and Jumio will help teams choose a suitable identity verification solution that not only serves the business, but also its customers.

An overview of services

Both Passbase and Jumio are platforms that companies can select services from to meet their business needs Both companies offer verification and authentication services that come with security features and optimized UX verification flows for KYC, identity verification and authentication.

These services can applied for cases such as replacing passwords and 2FA with passwordless authentication, user onboarding, fraud detection, AML compliance, age verification, or industry-specific document authentication.

An identity verification for both Passbase and Jumio typically involves the following:

  • Selecting the type of government-issued photo ID for a verification
  • Taking a photo of the photo ID
  • Take a selfie to ensure the person using the device is the same as the ID submitted
  • Receive feedback feedack on the identity verification’s status

Passbase has customized identity verification workflows and integrations depending on industry needs. Below are some services that Passbase offers:

Jumio also recognizes that companies may require services for a range of use cases. Some highlight services include:

  • ID document and identity verification
  • Document authentication
  • Jumio Go
  • Authentication
  • Video verification
  • AML solutions and transaction monitoring

Both companies can authenticate ID and documents globally to support companies with global or cross-border business. Jumio supports 3500 documents in over 200 countries and Passbase supports 6000 globally.

Products and Features

Both Passbase and Jumio’s services cans support native mobile apps with SDKs, mobile web, and API-based implementations. In addition, both companies have extensive features to address a variety of industry needs.

Some comparable features include liveness detection, document authentication to prevent fraud, and customized workflows. Both companies design their verification flow with real-time feedback for end users, such as when a face is not centered or a document is not focused.

Passbase offers companies the option to design their own branded identity verification flow to provide a seamless experience for end users. Additionally, Passbase has designed its products to serve digital-native companies that may be navigating KYC due to new AML regulations, such as the crypto industry and Virtual Asset Service Providers (VASPs).

Approaches to Verification

Both Passbase and Jumio aim to create a frictionless user experience that facilitates a successful verification to drive conversions. The way companies optimize the identity verification flow can differ, so teams should take time to understand how verifications are streamlined.

In order to facilitate speed, Jumio delivers a definitive “yes” or “no” verification decision for its identity transactions. The company explains that this is important because every “caution” or “maybe” requires extra manual review, which incurs real costs. To strike a balance, Juimo includes information on why an ID or selfie may have been rejected, such as when the document is a photocopy or because the face in the selfie is a crop from a photo. Jumio offers an AI-only Jumio Go solution for companies that want speed.

In contrast, Passbase uses a high level of automation, but allows teams to set their auto accept and reject thresholds. This leaves flexibility for companies in different industries, verifying identities for different use cases to make rules based on their needs. Passbase returns a confidence score for each verification, from 1-100%. Businesses can then choose to accept verifications with a 90% confidence score or above, reject all scores below 80% confidence, and review the ones in between. Because AI models can be biased or tricked, many industry leaders still use a mixed model of automation and human review to reliably detect fraud and supporting customers to successfully complete a verification.

Security

Both Passbase and Onfido serve global clients that have to meet security considerations when choosing identity verification providers. For example, both companies are compliant with CCPA, GDPR and SOC2 Type II requirements, amongst other industry standards.

Integration

Both Passbase and Jumio have web and mobile SDKs as well as API support. Passbase also has React Native, Flutter and a hosted integration options.

Developers can immediately test Passbase’s platform with a free trial and reach out on the company’s Slack support channel. Teams will need to speak to a Jumio representative to access integrations.

Pricing

Jumio offers annual pricing packages based on expected verification volume with maintenance costs and an integration fee. Pricing will also vary depending on the type of Jumio service that companies would like, such as whether it is ID verification or document verification. For example, Jumio Go supports 1,200 ID documents compared to the 3,500 Jumio Identity Verification package and extracts key fields as opposed to all data points. Companies should speak to a Jumio sales representative to get the latest pricing offers.

Passbase provides the same data extraction and identity verification core features for all plans. Below is a pricing breakdown:

  • Startup: $83 platform fee and $1.49 per verification
  • Growth: $249 platform fee and $1.29 per verification
  • Enterprise: Customized

All plans provide the security and functionality necessary for industry use cases, such as document authentication, extraction of all data points in ID documents, face matching with liveness detection, and access to SDKs, webhooks, and API with documentation.

Industries that require additional features, such as watchlist checks, database checks, and additional document checks for AML or enhanced due diligence can add them. The fee will be added for each verification, making it easy for teams to quickly calculate total costs.

Companies with scaling needs can use the Growth and Enterprise plans to make use of biometric authentication, reusable documents, and multiple project environments for different verification flows.

Passbase plans can also be upgraded or downgraded depending on volume. Jumio’s pricing packages expect high monthly volume and typically require an upfront commitment with a long-term contract.

Final Considerations

When you make your final decision for a provider, take time to fully test out the functionality of comparable features between companies. Consider both core functionality that enables you to meet compliance or workflow requirements as well as strategic factors such as coverage that can enable future market entry.

Extensiveness of features

While many providers will have similar features such as liveness detection or document data extraction, how these are carried out will impact your business signifiantly. For example, find out whether all data points are extracted from a document scan or whether there are additional charges for certain security or reporting features. For example, how long will a service provider keep usage data and will there be additional charges for accessing it for audits or reporting to authorities? Finally, take note of the types of documents supported and language coverage for markets you may soon enter to ensure this is a partner you can grow with.

Customization Options

While most service providers offer some level of customization, understand whether it easy for your teams to make adjustments on your own, whether it is your engineering or non-technical teams. You should be able to easily customize your verification flows, the types of documents accepted, brand visuals and colours, and product integration, such as changing UX copywriting to fit your brand voice.

Companies using Passbase’s Growth and enterprise plans can embed a branded identity verification throughout different touch points or product lines. Passbase also offers multilanguage support for 16 languages, which come with existing translations that can support for Growth plan clients.

True Service Cost

Companies should be able to confidently factor identity verification into their budget and operational costs. Jumio’s services may require a long-term contractual commitment based on estimated verification volumes. This may suit companies that have stable usage data, but may not offer flexibility for seasonal fluctuations or growth. Passbase operates on a pay-as-you-go model that gives companies flexibility to try the service and scale as needed, with the option for enterprises to have tailored packages. A way to calculate the true cost can be to look at the price per verification after factoring in platform, integration, and other servicing or maintenance fees.


Both Passbase and Jumio provide a comprehensive identity platform for global companies. Jumio’s services typically focus on larger companies while Passbase offers plans for both scaling companies and established global businesses.

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KI VERBAND

Passbase is an identity verification solution that makes facial recognition, liveness detection, ID verification and KYC and AML compliance accessible through a suite of flexible developer tools. A zero-knowledge architecture ensures that companies using Passbase can securely verify users from over 190 countries without having to store their data. Built for developers, it can be integrated with just a few lines of code on iOS, Android, and Web.