Compliancely — Independent Software Review

Real-Time Business Verification, Compliance & Credit Risk Platform

Compliance Transparency Index

Grade: A — Score: 85/100

Best For

• AP and finance teams filing 1099s. Running TIN matching at vendor onboarding instead of at year-end stops B-Notices before IRS CP2100 letters arrive. Plus 100 at $57.99/mo covers most small to mid AP departments.
• Lenders and underwriters needing IRS tax transcripts. Consent-based retrieval in roughly two hours with parsed fields for filing status and balance indicators cuts underwriting cycles that previously took days.
• Banks and fintechs with BSA and AML obligations. Combined KYB, OFAC screening, and continuous sanctions monitoring support Customer Identification Program and Customer Due Diligence requirements inside one audit trail.
• Marketplaces and payment processors onboarding US sellers. Real-time TIN, address, and Secretary of State checks catch fake or sanctioned sellers at signup without adding onboarding friction.
• Teams that want TIN, KYB, and sanctions screening from one vendor. Replacing two or three point tools with a unified evidence chain reduces vendor sprawl and keeps all verification decisions in one log.

Not Ideal For

• Buyers who need public pricing on the full platform. Only TIN matching subscriptions are priced on the website. KYB, credit risk reports, Form I-9, tax transcripts, income verification, and FinCEN BOI all require a sales conversation.
• International KYB at depth. Coverage is strongest for US entities via IRS and Secretary of State data. Ownership structure, UBO mapping, and non-US registry data are thinner than specialist KYB providers like Middesk, iDenfy, or Sumsub.
• Individual consumer KYC with biometrics. Compliancely is business-first. For selfie or ID document verification with liveness checks at scale, Persona and Jumio are category-standard.
• Teams that need SAML SSO for the dashboard. No SSO or SAML support is documented on the vendor site, which is a real gap for enterprise identity governance.
• Filers who only need to e-file 1099s without ongoing verification. If the job is sending year-end forms to the IRS with no vendor onboarding workflow, Zenwork's sister product Tax1099 is a better fit with pay-per-form pricing.

Operational Overview

Pricing Structure

Free TIN Check: $0 (single interactive lookup)

• One name and TIN combination per session
• Real-time IRS response
• Unauthenticated web tool, no card required
• Upgrade path to subscription for bulk or API use

Essential 25: $16.95/mo billed annually ($0.67 per match)

• 25 monthly TIN verifications
• Interactive dashboard access
• Downloadable match reports
• Email support
• Monthly billing available at higher rate (annual saves 15%)

Essential 75: $45.79/mo billed annually ($0.61 per match)

• 75 monthly TIN verifications
• Bulk Excel and CSV upload
• Match history and audit logs
• Email support

Plus 100: $57.99/mo billed annually ($0.57 per match)

• 100 monthly TIN verifications
• Bulk Excel and CSV upload
• API access for programmatic checks
• Webhooks for async results
• Priority email support

Plus 250: $135.04/mo billed annually ($0.54 per match)

• 250 monthly TIN verifications
• Full API and webhook access
• Automatic retries and batch status endpoints
• Extended audit log retention
• Priority support

Enterprise & Verification Modules: Custom (contact sales)

• High-volume TIN matching and enterprise API
• Business Verification (KYB) reports: TIN, address, SoS, watchlists, UCC liens
• Credit Risk Assessment reports with IRS tax transcripts and OFAC screening
• Form I-9 employment eligibility verification
• Income verification using trusted government data
• FinCEN BOI reporting
• Continuous sanctions monitoring
• Dedicated support and SLA

Alternative Consideration

Consider switching to Trulioo: Trulioo offers similar verification services with a broader international reach.

Frequently Asked Questions

Is Compliancely authorized by the IRS?

Yes. Compliancely is an IRS-authorized TIN matching agent and a product of Zenwork, Inc., the same parent company behind Tax1099. This status lets Compliancely query the IRS TIN database for real-time verification of vendor name and TIN combinations used in 1099 reporting, returning results in two to three seconds.

How does Compliancely compare to Middesk?

Compliancely is broader on tax and compliance verification, covering IRS-authorized TIN matching, tax transcripts, Form I-9, and FinCEN BOI reporting. Middesk is deeper on US business verification with UBO mapping, Articles of Incorporation retrieval, and 400-plus government data sources. Middesk is US-only with custom pricing starting around $500/mo and typical buyers in the $8,000 to $15,000-plus annual range, while Compliancely publishes TIN matching subscriptions from $16.95/mo but keeps its KYB and credit risk modules quote-only.

How does Compliancely compare to TINCheck?

TINCheck is part of Sovos and runs on SOC 1 and ISO 27001 certified data centers with optional two-factor authentication, pairing real-time TIN matching against 30-plus watchlists. Compliancely claims SOC 2 on its marketing pages and covers a wider module set, including IRS tax transcripts, Form I-9, income verification, and FinCEN BOI reporting. Teams that weight certified trust posture higher lean TINCheck; teams that need tax transcripts or I-9 verification alongside TIN matching lean Compliancely.

What is the difference between Compliancely and Tax1099?

Both are Zenwork products but solve different parts of the workflow. Tax1099 is an IRS-authorized e-filer for 1099, W-2, 1095, and 94X forms, used by roughly 1 million businesses annually to submit returns to the IRS. Compliancely runs the verification layer before filing: TIN matching, KYB, sanctions screening, and other onboarding checks. Many teams use both, with Compliancely cleaning vendor data and Tax1099 filing the returns.

Does Compliancely support bulk TIN matching?

Yes. Bulk TIN matching accepts Excel or CSV uploads of up to 100,000 name and TIN combinations per batch, returning a downloadable report with per-record outcomes and evidence logs. The bulk workflow is available on all paid tiers and through the enterprise API with webhooks and automatic retries. Results typically return in two to three seconds per record.

Which sanctions and watchlists does Compliancely screen against?

Compliancely screens against OFAC SDN, UN consolidated, EU, UK, and Canadian sanctions lists, plus FATCA GIIN, the Social Security Death Master File, and IRS tax-exempt organization status. Continuous monitoring re-screens existing records as the underlying lists update, with webhook alerts instead of polling. List coverage spans 40-plus countries.

How fast is a Compliancely TIN match?

Single TIN match results return in roughly two to three seconds when queried against the live IRS database. Bulk uploads run per-record checks in parallel, so a 100,000-row batch typically completes within standard business hours rather than overnight. Advertised API uptime is 99.99 percent.

Does Compliancely support FinCEN BOI reporting?

Yes. Compliancely offers FinCEN Beneficial Ownership Information reporting under the Corporate Transparency Act, covering ownership capture, beneficial owner identity verification, and submission. BOI reporting sits inside the enterprise Compliance Filing module rather than the self-serve TIN plans, so it requires a sales conversation to activate.

Does Compliancely integrate with accounting or AP systems?

Compliancely is API-first with REST endpoints and webhooks for embedding checks into any onboarding or accounts payable workflow. Direct integrations exist with Tax1099 for 1099 e-filing and Zenwork Payments for AP automation with built-in TIN matching. Native connectors to QuickBooks or NetSuite are not published, so teams on those platforms typically bridge through Tax1099 or a custom API build.

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