OnComply vs TrustLayer
TrustLayer quotes pricing through sales. OnComply publishes every plan's price, and every plan includes can-work/can-pay enforcement.
14-day free trial · No credit card required · Every plan's price is published
OnComply vs TrustLayer, side by side
TrustLayer is the category leader in COI tracking, built for risk managers at larger organizations, with a large verification network behind it. OnComply is built for smaller operations that want published pricing and enforcement without a sales cycle.
| OnComply | TrustLayer | |
|---|---|---|
| Entry price | $29/mo flat, published on the pricing page ($29 to $999 a month by vendor count) | Not published. Pricing is provided through a sales conversation |
| How you buy | Self-serve: 14-day free trial, no credit card, no sales call required | Sales-led evaluation and demo process |
| Vendor experience | Vendors get one link and upload, fill, and sign everything without creating an account | Vendor/insured portal as part of its verification network |
| Enforcement | Live can-work / can-pay status per vendor; work and payment are blocked the moment a document expires, with the exact reason shown | Compliance tracking and verification workflows oriented to risk-manager review |
| Document scope | Every plan includes W-9s, COIs, ACH forms, licenses, fill-and-sign contracts, and custom forms, with no per-document fees | COI-centric insurance verification, with AI-assisted certificate reading at large scale |
| Best for | GCs, property managers, and AP teams with 10 to 500 vendors | Dedicated risk teams at larger organizations that want a managed, network-backed program |
TrustLayer details reflect its public website and published materials as of August 2026. If something is out of date, email admin@oncomply.biz and we will correct it.
Feature for feature
OnComply covers the whole vendor onboarding checklist in one portal, including documents beyond COIs. Here is the full capability set side by side.
| Capability | OnComply | TrustLayer |
|---|---|---|
| COI tracking & validation | Automatically extracts coverage limits, effective dates, and insured name, then validates them against your per-group minimums | |
| W-9 collection | Extracted and validated automatically: name, TIN, entity classification, address, signature | Not advertised |
| Real-time IRS TIN verification | Cross-checks vendor EINs against IRS records during onboarding, $0.95 per verification | Not advertised |
| ACH / banking collection | Checksum-validated routing and account numbers, e-signed authorization PDF, envelope-encrypted, masked by default behind step-up authentication | Not advertised |
| Contract fill & sign | Any PDF with fillable fields; every signature ships a cryptographic evidence package (digests, event log, timestamps) | Not advertised |
| License & certificate tracking | Trade, professional, and business licenses plus tax-exemption certificates, with expiration alerts | Not advertised |
| Custom forms & custom PDFs | Build your own fields, validation logic, and extraction rules | Not advertised |
| Can-work / can-pay enforcement | Independent work and payment flags with reason codes and configurable grace periods. Vendors are blocked the moment a document lapses | Not advertised |
| Automatic renewals | Reminders plus scoped renewal links, so vendors resubmit only what expired | |
| Document review | Confidence-scored extraction with a manual review queue and auditable overrides | AI-assisted COI reading at network scale |
| Audit trail & exports | Append-only log of every action; one-click compliance, expiration, e-signature, and audit-log exports | Reporting oriented to risk-manager review |
| API & webhooks | Real-time eligibility API (single + bulk), scoped keys, signed webhooks with retry, SFTP delivery | Integrations advertised; API details via sales |
| Accounting sync | QuickBooks Online vendor sync with verified-vendor release | Not advertised |
| No-login vendor experience | One link on any device, with no account and no app download | Insured portal within its verification network |
“Not advertised” means we could not find the capability on TrustLayer's public site as of August 2026. If we got one wrong, email admin@oncomply.biz and we will correct it.
Choose OnComply if…
- You have 10 to 500 vendors and want to be running today, not after a sales cycle.
- You want the price before the conversation. Every plan's price is published.
- You need more than COIs: W-9s, ACH forms, licenses, and signed contracts in the same checklist.
- You want expired documents to block work and payment automatically instead of only flagging a dashboard.
Choose TrustLayer if…
- You have a dedicated risk-management team and want a sales-supported enterprise rollout.
- Your program benefits from a very large existing verification network.
- You need third-party attestations and references that only a long-established vendor at that scale carries today.
Common questions
What is the main difference between OnComply and TrustLayer?
The buying model and the target team. TrustLayer is a sales-led platform built for risk managers at larger organizations. OnComply is self-serve with published flat pricing, built for GCs, property managers, and AP teams with 10 to 500 vendors who want collection, validation, and can-work/can-pay enforcement running the same day.
Does TrustLayer publish its pricing?
As of August 2026, TrustLayer does not publish a price list; pricing is provided through its sales process. OnComply publishes every plan: $29, $69, $179, $449, and $999 per month, banded by active vendor count, with a 14-day free trial and no card required.
Do my vendors need to create an account with OnComply?
No. Vendors complete everything through a single link, with no login, no account, and no app download. They upload documents, fill and sign PDFs, and submit forms on any device in one session.
Is OnComply established enough to trust with bank and tax data?
OnComply is a newer, founder-run product, and we treat that objection seriously. Sensitive fields are encrypted with AES-256-GCM using tenant-scoped keys backed by AWS KMS, access is role-controlled with step-up authentication, every action lands in an append-only audit trail, and a DPA is available on all plans. Your data is exportable at any time, so trying it is not a lock-in decision.
Can I switch from TrustLayer to OnComply?
Yes. Create your vendor groups, set document requirements, and invite vendors with one link. Most teams are collecting within a day. Because vendors don't need accounts, there is no vendor-side migration to manage.
See it with your own vendors
Set up a vendor group in 15 minutes and send one real invite. No card required, and the pricing you saw above is the pricing you pay.