Consumer KYC Cost 2026: Quote-Only Territory, Sister Site for Regulated Finance
Consumer-facing identity verification covering government, healthcare, and gig-economy customer onboarding. ID.me and Yoti are both quote-only with pricing blocked from automated verification. For regulated-finance KYC vendors with per-verification pricing see the sister site kycpricing.com.
Consumer-IDV pricing economics rely on credential reuse: the cost per verified identity falls sharply once a credential is reused across multiple logins or attribute checks. This is why both ID.me and Yoti decline to publish a flat per-verification rate.
Vendor coverage
| Vendor | Strength | Pricing | Dossier |
|---|---|---|---|
| ID.me | US federal and state government identity verification. IRS, VA, state DMVs. Consumer SSO wallet. | Quote only | Open dossier → |
| Yoti | UK origin, global. Strong in age-estimation (gambling, age-gated content). Yoti Sign is a separate digital signatures product. | Quote only | Open dossier → |
Identity assurance levels (NIST 800-63-3)
Consumer KYC vendor pricing is structured around NIST identity assurance level. These framing definitions determine what proof of identity a verification step must collect.
IAL1: self-asserted identity
User claims an identity; no proofing of attributes. Cheapest tier per-verification; suitable for low-stakes consumer onboarding.
IAL2: remote verification with biometric binding
User submits a government ID + selfie; vendor compares face to ID photo, runs liveness check. Mid-tier per-verification cost; required for IRS, VA, and many state government services through ID.me.
IAL3: in-person or supervised remote verification
IAL2 plus a trained operator or supervised session. Highest per-verification cost; required only for the highest-risk consumer scenarios.
Where to go next
- Open a vendor dossier: ID.me, Yoti.
- For regulated-finance KYC vendors with published per-verification rates see kycpricing.com.
- Run the multi-vendor calculator to see the broader field side by side.