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Equifax

Provider
KYC

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 10 companies across 1 category.

equifax.com ↗Also analysed as a company — its own stack →
CategoriesKYC
Rank#13 of 64 in KYC
Buyers10 companies
HeadquartersAtlanta, Georgia, USA
Founded1899
RaisedN/A (public company, NYSE: EFX)

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Founders & story · from Equifax’s own dossier

Equifax began as a retail credit bureau in 1899 and grew into one of the three major US consumer credit reporting agencies alongside Experian and TransUnion. Following the catastrophic 2017 data breach, Equifax pivoted aggressively toward cloud transformation (the 'EFX Cloud' initiative) and differentiated data assets including alternative data, employment/income verification via Workforce Solutions, and advanced analytics. The company has repositioned from a legacy bureau toward a 'data, analytics, and technology' platform serving lenders, fintechs, insurers, and employers — embedding its scores and identity verification into third-party workflows as an infrastructure provider rather than only a consumer-facing credit bureau.

Latest round: Post-IPO Equity
Recent developments
  • 2024-09Equifax launched its cloud-based Merchant Data Network in partnership with Fiserv to provide lenders with aggregated credit card transaction data on small businesses, improving commercial scoring by over 8%. source ↗
Full dossier: Equifax’s own stack, layer by layer →
Who uses Equifax
10 companies disclose Equifax in their stack
ConnectiveLendflowTD Bank GroupTransferMateAutohost700CreditKountLeapAPTaktileDealerSocket
Buyer mix · 10 of 10 classified
Bank / National · 1Infrastructure / Decisioning (Risk & Underwriting) · 1Infrastructure / Fraud & Identity · 1Infrastructure / Lending · 1Infrastructure / Payments · 1Vertical SaaS / Automotive Dealerships · 1Vertical SaaS / Automotive F&I (Credit, Compliance & Identity) · 1Vertical SaaS / Hospitality (Guest Screening & Identity Verification) · 1
US · 4Canada · 3EU · 2APAC · 1
What the disclosures say
Connective
“Mercury Nexus 'Equifax integration' listed as a launched feature: 'Access Equifax credit reports to gain powerful insights and match clients to the right lender the first time.' Connective operates under its own Australian Credit Licence 389328.”
Lendflow
“Terms of Service authorize Lendflow and Lenders to pull consumer/business reports from TransUnion, Experian, and Equifax for pre-qualification.”
TD Bank Group
“TD Canada Trust's identity-verification page describes using Interac verification service (a third-party identity service from Interac Corp.) for digital ID verification, and Equifax for free credit score checks within the same app flow.”
TransferMate
“TransferMate's own sub-processors page names Onfido (document & facial similarity checks), GB Group (ID/DOB/address verification), Equifax (Canada due diligence), Dun & Bradstreet (individuals & corporates due diligence), ComplyAdvantage (AML screening & monitoring), and Vivox.ai (AML, adverse media, sanctions, KYC/KYB…”
Autohost
“The one third-party KYC-adjacent partner named on its own pages is Equifax (credit history verification, per autohost.ai/pricing and product pages).”
700Credit
“The About and Overview pages confirm it is the largest authorized reseller of Equifax, Experian, and TransUnion credit reports, which underpin its identity and fraud checks.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Equifax? Claim this profile above to unlock your own full list.
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Alternatives to Equifax

Other KYC providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Sumsub40 buyers →Onfido35 buyers →Persona35 buyers →Veriff35 buyers →Stripe24 buyers →Socure23 buyers →Alloy21 buyers →footprint21 buyers →
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An embeddable badge for Equifax’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #13 of 64 in KYC — Embedded Finance Index 2026
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Equifax — frequently asked

Which companies use Equifax?

10 companies disclose Equifax in their stack in the Embedded Finance Index 2026, including Connective, Lendflow, TD Bank Group, TransferMate, Autohost, 700Credit, Kount, LeapAP, Taktile and DealerSocket.

What does Equifax do?

Equifax is an embedded-finance provider in KYC. It ranks #13 of 64 KYC providers by disclosed buyers.

What are the alternatives to Equifax?

The most-disclosed KYC alternatives to Equifax are Sumsub (40 buyers), Onfido (35 buyers), Persona (35 buyers), Veriff (35 buyers), Stripe (24 buyers) and Socure (23 buyers).

Where is Equifax headquartered?

Equifax is founded in 1899 and headquartered in Atlanta, Georgia, USA.

How much funding has Equifax raised?

Equifax has raised N/A (public company, NYSE: EFX) in total.

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