CheckFile vs Trulioo — EU-native compliance or global generic approach?
Trulioo is a Canadian identity verification platform covering over 195 countries through hundreds of data sources. CheckFile takes a different approach: rather than global generalist coverage, it excels at in-depth analysis of complete dossiers according to European and French regulatory requirements. Discover which approach fits your needs.
Feature comparison
Document verification
| CheckFile | Trulioo | |
|---|---|---|
| Identity document verificationTrulioo covers a very large number of countries | ||
| Business document analysis (company filings, bank details, payslips)Trulioo focuses on identity verification, not business documents | ||
| Multi-document cross-validationCheckFile detects inconsistencies across documents in a dossier | ||
| Business verification (KYB)Trulioo offers KYB via GlobalGateway |
Identity document verification
Business document analysis (company filings, bank details, payslips)
Multi-document cross-validation
Business verification (KYB)
Coverage and data
| CheckFile | Trulioo | |
|---|---|---|
| Global coverage (195+ countries)Trulioo excels at international coverage | ||
| Enrichment via French registries (Pappers, INSEE, SIREN)CheckFile leverages official French registries | ||
| Multiple data sources per countryTrulioo aggregates hundreds of international sources |
Global coverage (195+ countries)
Enrichment via French registries (Pappers, INSEE, SIREN)
Multiple data sources per country
Regulatory compliance
| CheckFile | Trulioo | |
|---|---|---|
| EU compliance (AMLD6, ACPR, Tracfin)Trulioo offers global compliance, less specific to French requirements | ||
| GDPR-native (EU hosting, encryption, auto-deletion)Trulioo is based in Canada; data may be stored outside the EU | ||
| Custom business rules per partnerTrulioo offers per-country configuration but not per-partner | ||
| Complete audit trail |
EU compliance (AMLD6, ACPR, Tracfin)
GDPR-native (EU hosting, encryption, auto-deletion)
Custom business rules per partner
Complete audit trail
Technology and integration
| CheckFile | Trulioo | |
|---|---|---|
| REST API | ||
| Single multi-country API (one integration, all countries)Key strength of Trulioo: one API for worldwide coverage | ||
| Pricing transparencyTrulioo requires a sales call |
REST API
Single multi-country API (one integration, all countries)
Pricing transparency
Pricing
~€0.30 per file
Quote-based (variable by country and volume, typically $1-3 per verification)
CheckFile offers a flat, transparent rate. With Trulioo, pricing varies by verification country, data sources used, and volume. For France and EU-focused usage, CheckFile is significantly more cost-effective.
Use cases
KYC for a French or European company
CheckFile is built for ACPR/Tracfin requirements with native enrichment via Pappers and INSEE. Trulioo offers generic compliance that requires adaptation for the French regulatory context.
Supplier dossier verification in France
CheckFile analyses company filings, bank details, and insurance certificates with SIREN verification. Trulioo is limited to identity and business verification without in-depth document analysis.
Multi-country compliance with European focus
For primarily European needs, CheckFile offers native AMLD6 compliance and EU hosting, where Trulioo charges per-country surcharges without the same local regulatory depth.
Our verdict
Trulioo is an excellent choice for businesses verifying identities worldwide via a single API. CheckFile is preferable for French and European businesses needing in-depth analysis of complete dossiers, with native local regulatory compliance and transparent pricing.
Choose CheckFile if…
- Your business is focused on France and the European Union
- You need to analyse complete dossiers, not just identities
- ACPR/Tracfin compliance and EU hosting are non-negotiable
Choose Trulioo if…
- You regularly verify identities across more than 50 countries
- You need a single API covering the entire world without local adaptation