Smile API
6.5#4 in employment verification softwareFree planFree planWebAPI
VisitSmile API vs Verification Exchange
Verification Exchange
5.6#15 in employment verification softwareWebAPI
VisitWhat both publish
| Fact | Smile API | Verification Exchange |
|---|---|---|
| Integration | The API uses REST, JSON, and HTTPS, and the developer resources include an OpenAPI specification and Postman collection. | Payroll providers can supply payroll data from participating employers to support employee-authorised verification requests. |
| Purpose | Smile API provides real-time, user-authorized access to identity, employment, and income data through one API. | Verification Exchange provides instant, consumer-consented access to verified employment income data from source to support lending decisions. |
| Security | Smile says credentials are sent to data sources over TLS and data is encrypted using RSA 4096 with SHA-256 signing. | Equifax says encryption and access management are used across data provision, storage, and verifier access, and that its Australian businesses, including Verification Exchange, are covered by ISO 27001 certification. |
| Support | Smile invites organizations to contact it for help understanding the API, implementation, and going live. | Verification Exchange support is available by email at [email protected] or by phone at 1300 598 889. |
Smile API plans
- SandboxFree
Verification Exchange plans
- Verifier subscription (Employment Income or Employment verification)Priced on request
Pick Smile API if…
Smile API suits banks, fintechs, lenders, recruitment agencies, HR teams, and other service providers that need identity, employment, or income data in their services. Developers can try the sandbox with mock data before seeking approved production access.
Pick Verification Exchange if…
It is intended for verifier organisations assessing applicants, employers sharing employee information and payroll partners supplying data. It suits domestic employment-income checks requiring consent and API or web access.