Under vs Persona
Choose Under if you need to collect and underwrite merchant applications; choose Persona if you need configurable identity and business verification across a wider range of onboarding journeys. Both offer KYC, KYB, decision workflows, and case review, but Under centers the payments application and its supporting documents, while Persona centers verification flows and fraud controls.
Last updated October 27, 2026.
At a glance
| Dimension | Under | Persona |
|---|---|---|
| Primary focus | Merchant onboarding and underwriting | Identity, business, and fraud verification |
| Application collection | Digital merchant applications and document collection | Configurable identity and business information flows |
| Signatures and PDF mapping | eSignatures and PDF mapping | Not published |
| Verification checks | KYC, KYB, bank, credit, and MATCH checks | ID, selfie, database, KYB, and screening checks |
| Decision workflows | Merchant underwriting rules and case review | Verification workflows and case management |
| Delivery | Web applications; SDK and REST API for UnderwritingIQ | Hosted web flows, embedded web flows, and mobile SDKs |
| Paid pricing | UnderwritingIQ custom quote | Essential from $250/month, 12-month minimum; Growth quoted |
| Free access | Agent Hub free with a connected processing partner | Eligible startups: up to 12 months of selected free services |
| Integrations | Plaid, processor connections, and optional CRM integrations | API, webhooks, and third-party Marketplace Apps |
| Published limits | Starter: 1 user and 1 GB of document storage | Essential: 5 end-user flow templates |
| Support | Dedicated support manager on Enterprise | Essential email support; Growth guided implementation |
Scroll the table sideways to compare each row.
Which should you choose?
Choose Under if
- Payments agents and ISOs boarding merchants
- Teams collecting signed merchant applications and PDFs
- Underwriters reviewing merchant risk and documents
- Agents using Under's connected processing partners
Choose Persona if
- Teams adding verification to an existing onboarding process
- Businesses verifying individuals as well as companies
- Developers embedding verification in web or mobile apps
- Teams building configurable fraud and review workflows
The verdict
The deciding factor is what the workflow must produce. Pick Under when your team needs merchant applications, signatures, processor-ready information, and underwriting in one workflow. Pick Persona when verification is the main requirement and you want hosted, embedded, or mobile identity flows that can feed your existing onboarding process. Confirm the required checks and plan with either vendor before buying; not every capability is included at entry level.
Under vs Persona: common questions
- Should I choose Under or Persona for merchant onboarding?
- Choose Under when merchant applications, signatures, processor information, and underwriting need to share one workflow. Choose Persona when you already have an onboarding process and primarily need identity or business verification within it.
- Can Under and Persona both verify businesses?
- Yes. Under publishes KYB checks within its merchant verification and underwriting workflows. Persona publishes business verification and KYB services; its pricing page places the full suite of checks, including KYB services, in Growth.
- Which product handles signed merchant applications?
- Under publishes digital applications, eSignatures, and PDF mapping. Persona publishes configurable information-collection and verification flows but does not publish an equivalent eSignature and PDF-mapping capability.
- Does Persona replace Under's merchant underwriting workflow?
- Persona offers verification workflows, decisions, and case management. Under specifically publishes merchant underwriting workflows that bring applications, risk checks, automated decisions, and human review together. Buyers needing processor-ready applications should assess that difference.
- Can either product be embedded in an app?
- Persona publishes embedded web flows and mobile SDKs for iOS and Android. Under publishes an SDK and REST API for UnderwritingIQ, alongside its digital application workflows.
- How do Under and Persona prices compare?
- Under says Agent Hub is free when used with a connected processing partner and quotes UnderwritingIQ individually. Persona's Essential plan starts at $250 per month with a 12-month minimum; Growth pricing requires contacting Persona. The published entry prices do not cover the same capabilities.
- Do Under and Persona offer a free way to start?
- Under publishes a free Agent Hub for agents processing through a connected partner. Persona offers eligible startups up to 12 months of selected free services, subject to its program terms and monthly allowances.
- Which is better for an existing web or mobile onboarding journey?
- Persona is the more direct fit when the requirement is to add hosted, embedded, or mobile verification to an existing journey. Under is the more direct fit when the journey itself must collect and underwrite merchant applications.