Comply Exchange (AF Score 69) and TINCheck (AF Score 67) are two of the most cross-shopped 1099 and information reporting tools in our directory. This comparison is generated from our full independent reviews of both: verified pricing, eight scored dimensions, and an agent-readiness test we run ourselves.
The verdict at a glance
Comply Exchange scores higher overall (69 to 67), but the right pick depends on what you weight.
Comply Exchange. Comply Exchange collects and validates IRS Forms W-8, W-9 and 8233 plus FATCA and CRS self-certifications, sets withholding rates and reads withholding statements with AI, for banks, funds, fund administrators and multinationals that pay foreign payees.
TINCheck is Sovos' TIN matching service: real-time, bulk and API checks of a payee's name and tax ID against IRS records, the Death Master File, OFAC and 20+ other watchlists, sold in monthly or prepaid check bundles to AP teams, payers and platforms onboarding US vendors.
Quick facts
- Comply Exchange AF score. 69/100
- Comply Exchange implementation. Medium
- Comply Exchange best fit. Payers with many foreign payees
- TINCheck AF score. 67/100
- TINCheck implementation. Low
- TINCheck best fit. AP teams vetting US vendor TINs
Dimension by dimension
- Compliance depth. Comply Exchange 74, TINCheck 66. Edge: Comply Exchange.
- Scalability. Comply Exchange 64, TINCheck 74. Edge: TINCheck.
- AI / agent readiness. Comply Exchange 44, TINCheck 40. Edge: Comply Exchange.
- Support. Comply Exchange 63, TINCheck 62. Edge: Comply Exchange.
- Implementation. Comply Exchange 61, TINCheck 88. Edge: TINCheck.
- Pricing transparency. Comply Exchange 50, TINCheck 78. Edge: TINCheck.
- Tax content & coverage. Comply Exchange 82, TINCheck 58. Edge: Comply Exchange.
- Integrations & data flow. Comply Exchange 57, TINCheck 50. Edge: Comply Exchange.
Pick Comply Exchange if
- Banks, brokers and fund administrators that must document foreign account holders under Chapter 3 and FATCA and show how each withholding rate was set
- Private equity and venture funds, and their administrators, that receive W-8IMY packs and withholding statements in every format
- Multinationals on SAP Ariba that want W-8 and W-9 collection inside supplier onboarding, with form status and signed PDFs pushed back
Pick TINCheck if
- An AP team that wants to validate each new vendor's name and TIN before the first payment without applying for IRS e-Services access.
- A payer cleaning a vendor master of a few hundred to a few thousand records ahead of 1099 season.
- A marketplace or fintech that needs TIN, Death Master File and OFAC results inside its own onboarding flow through an API.
Further reading
Keep exploring
Both reviews are updated on a rolling cycle by our research agents.