Top 5 Socure Alternatives in 2026: Identity & Fraud Platforms
Socure is a widely used, AI-powered identity and fraud prevention platform. Even then, relying on Socure as the only verification tool can pose limitations when teams need to scale, and volume and requirements grow. Socure can take time to learn, and many teams find the interface complex to navigate.
Keep reading this blog to know more as we review several Socure alternatives that are easier to use and offer reliable data to support scalable customer and business onboarding programs.
The Hidden Limitations of a Socure-Only Approach
With growing requirements, fragmentation of data and approval flows show up in predictable ways, like inconsistent decision-making. Many teams start by patching gaps with spreadsheets and manual reviews. Over time, that becomes the process, and turnaround time increases, training gets harder, and the chances of missed fraud indicators or undocumented exceptions go up.
New requirements also tend to fit poorly into an approach that wasn’t designed to unify checks end-to-end. That’s often when teams start looking for a Socure replacement for KYC and fraud prevention, or a platform that can bring all the separate checks into one workflow.
Top 5 Socure Alternative Platforms for 2026
Below are five Socure competitors for digital identity verification, listed in no particular order:
1. Compliancely
Compliancely is built to reduce handoffs to separate tools during the onboarding process. It combines personal identity verification, business verification, sanctions/watchlist/PEP screening, and TIN/EIN validation into a single process, with one record of what was checked and what was decided. That makes it easier to keep reviews consistent and to support audits especially when a bank partner, regulator, or internal reviewer asks for evidence.
Key features
- TIN/EIN validation during onboarding
- Sanctions, watchlist, and PEP screening (with optional ongoing monitoring)
- Has APIs for higher-volume programs as well as dashboards for compliance and ops
Pros
- Identity, business verification, screening, and tax ID checks can be done in one place
- Fewer vendors to manage and fewer breaks in the process
- Clear records that support audits and internal reviews
- Can support customer onboarding, vendor onboarding, partner due diligence, and payout-related verification workflows
Cons
- Works best when teams are ready to integrate and standardize how reviews are done
- May be more coverage than a small, low-risk program needs
2. ThreatMetrix
ThreatMetrix is a good tool to add when you already have basic identity verification workflows in place, but fraud doesn’t show up in the core identity fields you check. It focuses on device reputation, behavior patterns, and network data with the objective of flagging any activity that can be associated with bots, account takeovers, or repeat attempts from the same environment. Teams are more likely to rely on it after the entire process of onboarding happens, when the highest-risk moments are basically logins, password resets, or certain transactions.
Key features
- Tracks devices and catches repeating activity from the same phone/laptop
- Uses both behavioral baselines and location signals to detect unusual activity
- Risk scores for logins, payments, and other account actions
- Can set off extra verification steps when any activity looks risky
Pros
- Good fit for teams that need to deal with a high volume of logins and transactions
- Can efficiently catch repeat fraud that happens over multiple sessions
Cons
- Complicated setup and tuning
- You’ll still need separate coverage for KYB, sanctions screening, and tax ID validation
- Not a good option if you only need straightforward verification checks, especially at the sign-up stage
3. TruValidate
TruValidate (from TransUnion) helps you confirm identity by making use of TransUnion’s large data sets. It also offers optional add-ons for fraud checks. It’s commonly used for account opening and, with the right
modules, for monitoring risk later on in the customer lifecycle.
Key features
- Identity proofing for account opening and onboarding
- Digital and device-related checks
- Scoring outputs can feed internal rules
- Integrations for supporting broader fraud programs
- Offers add-on services for ongoing monitoring of account activity
Pros
- Useful when you need identity proofing and fraud checks to work in a single flow
- Suits teams that are already using TransUnion data in models
- Can support both onboarding and high-risk events that crop up later
Cons
- Business verification and tax identity checks need separate providers
- Internal ownership is needed to fully and correctly implement the tool
- Not an end-to-end solution, so multiple tools can increase day-to-day maintenance
4. CrossCore (Experian)
CrossCore helps teams run identity and fraud checks in one controlled flow. It can start with basic checks, add more checks when something looks risky, and send edge cases to manual review while keeping the
results in one place.
Key features
- Rule-based routing (approve, request more verification, manual review)
- Connects different identity and fraud services in one flow
- API-driven setup and control
- Supports Experian services plus third-party connections
- Central management for rules and outcomes
Pros
- Allows for tailored flows instead of treating every applicant in the same way
- Can keep decisions consistent across a big multi-vendor stack
- Has customizable checks you can keep heavier checks for higher-risk cases and reduce friction for onboarding low-risk vendors
Cons
- Teams will have to keep ongoing rule ownership and maintenance
- Setup can be complicated and take a long time for small teams without some kind of dedicated tech support
- You may still need separate providers for KYB, sanctions screening, or tax ID validation (depending on your stack)
5. Ekata (Mastercard)
For teams wanting to strengthen the sign-up process without having to rebuild their entire onboarding workflow, Ekata can seem like a good option, and it’s most popular in the context of marketplaces and e-commerce businesses. The tool runs checks for common identity attributes such as name, email, phone, and address, and then returns match results and indicators to flag mismatches and suspicious patterns early. The
APIs it offers are also simple and straightforward to implement.
Key features
- APIs validate name, phone, email, and address
- Clear Indicators to highlight mismatches and suspicious combinations
- Broad coverage for global digital use cases
Pros
- Straightforward to integrate and employ quickly
- Checks can be lightweight when teams want to reduce excessive friction at signup
- Works well for high-volume signups and marketplace flows
Cons
- Not an end-to-end compliance workflow by itself, so not sufficient for 1099 handling
- Even KYB, sanctions screening, and tax ID validation are handled through separate tools
- Operation intensive as it needs teams to have clear internal rules to get consistent results
How To Evaluate Socure Alternatives Based On Your Requirements
Write down the compliance rules you need to follow in each country (like KYC, KYB, AML, tax checks, and sanctions) and then list the business requirements you’ll need to meet them.
Next, estimate your expected volume and required speed of onboarding and/or verification. Then choose a platform that’s reliably available, and it’s even better if it can back it up with an SLA (uptime plus support response times in writing).
You can choose either a unified platform like Compliancely or a mix of specialized tools after taking into account license costs, integration effort, maintenance, and your risk appetite for inconsistent data and rules across systems.
Also run pilot tests using real applications, including edge cases and known fraud patterns, so that you can choose a platform that can handle real cases, and you can see how it actually reduces risk and saves your team time.
Bottom Line
Identity verification and fraud prevention can have a much greater impact on the organization and are not just important for compliance. These can directly affect onboarding speed and the quality of decisions made in AP.
The right Socure alternative can make coverage much broader, reduce false positives, and support more than KYC/KYB. A unified, integration-friendly platform like Compliancely can not only do sanctions and watchlist screening, additional fraud context, and tax identity checks, but also reduce manual work, limit vendor sprawl, and give a clearer view of risk across multiple entities.
Do you want to see how Compliancely compares to Socure and explore how a unified platform simplifies identity and compliance?
