Free set up for all new subscriptions before Nov 30th 2023. Save $1,000. Book a demo now
Free set up for all new subscriptions before Nov 30th 2023. Save $1,000. Book a demo now
FrankieOne is a strong AU-built fintech onboarding aggregator — banks and lenders use it for high-volume KYC. But for a 5-partner accounting firm with 10–50 checks a month, it's over-engineered, sales-led, and developer-required. IdentityCheck delivers the same AUSTRAC-aligned coverage in a product designed for the way accountants actually work — embedded in XPM, Karbon, HubSpot, and FYI, with transparent pricing and no minimum commitments.
FrankieOne is a fintech infrastructure play. IdentityCheck is purpose-built for accountants on Tranche 2.
Runs inside XPM, Karbon, HubSpot, FYI, and 100+ other platforms. No separate AML login. No re-entering client data.
Published tiers, month-to-month, no consultation required to see the price. No bundled services you didn't ask for.
Sign up, connect your practice software, run your first check the same day. No multi-week implementation engagement.
Built specifically for AU accountants and legal firms preparing for AUSTRAC Tranche 2. Not a global firm with an Australian practice.
FrankieOne is a credible enterprise fintech platform. The fit gap is real — different ICP, different price point, different workflow.
| Capability | IdentityCheck | FrankieOne |
|---|---|---|
| Built for AU accountants / Tranche 2 | ✓ | built for fintech / banks |
| Native XPM, Karbon, FYI, HubSpot integration | ✓ | API only |
| AUSTRAC Tranche 2 alignment out of the box | ✓ | ✗ |
| Self-service signup, no minimum commitment | ✓ | ✗ |
| Free trial without sales call | ✓ | ✗ |
| Live the same day, no developer required | ✓ | ✗ |
| Transparent SMB-friendly pricing | ✓ | ✗ |
| Document verification (broad coverage) | ✓ | ✓ |
| Biometric ID + liveness | ✓ | ✓ |
| Sanctions / PEP / Adverse Media screening | ✓ | ✓ |
| KYB / business verification | ✓ | ✓ |
| Multi-provider aggregator model | single best-of-breed | ✓ |
| Built specifically for AU regulatory environment | ✓ | ✗ |
| 100+ practice software integrations | ✓ | ✗ |
FrankieOne is genuinely good at what it does — multi-provider IDV aggregation for high-volume B2C onboarding. The mismatch for AU accounting firms is structural, not a quality issue.
Six steps, all inside the software your team already uses every day.
Right-click a contact in your practice software. Verification starts.
Your client receives a verification link by email or SMS. No app download.
Source of funds, designated services, AML risk indicators captured.
Government-issued ID + selfie. Liveness and tampering detection. 230+ countries.
PEP, Sanctions, Adverse Media — three layers, automated.
Operational record in your PMS plus 7-year secure vault for audit.
The technology layer of AUSTRAC Tranche 2 compliance, in one product.
230+ countries. Passive liveness detection. Document tampering detection. Under one minute per check.
Sanctions (70+ lists, refreshed every 30 min). PEP (3,000+ sources, daily). Adverse media (15,000+ sites).
Staff complete a structured assessment inside the client record. Secured by 4-digit PIN. Documented for audit.
Daily re-screening against updated lists. Alerts on changes. AUSTRAC-compliant frequencies, configurable per risk rating.
AUSTRAC-ready audit reports on demand. 7-year vault retention. Operational record in your PMS.
In-product orientation gets your team up to speed in minutes. Advanced training and full compliance program available via partner network.
Multi-entity onboarding form for business and trust structures. Optional full UBO reports via CreditorWatch partnership.
Bulk upload staff for biometric ID and AML screening. Know Your Employee obligations met inside the same workflow.
From 1 July 2026, accountants, lawyers, and real estate agents in Australia must comply with AUSTRAC's AML/CTF obligations. Compliance officer notification is required by 30 May 2026.
Instead of adding a separate AML platform — and a multi-week consulting engagement — IdentityCheck runs compliance checks inside the practice software your team already uses. AUSTRAC has indicated zero tolerance from 1 July; civil penalties extend to $33M for corporate non-compliance.
Learn about Tranche 2 prep →Real outcomes from firms running IdentityCheck inside their practice software today.
"Onboarding dropped from over an hour to under five minutes. The team didn't need any retraining — it's right there in the software they already use."
"We estimate at least a 5–10× ROI from IdentityCheck. The compliance work that used to swallow days now runs in the background."
"It's been a well-oiled machine. Our clients have a smoother experience and we have a cleaner audit trail."
FrankieOne is an aggregator API for fintechs, banks, and lending platforms — it stitches together multiple ID and AML data providers behind one developer integration. It's built for engineering teams running high-volume customer onboarding flows. IdentityCheck is purpose-built for Australian accounting firms on AUSTRAC Tranche 2 — no developers required, embedded in the practice software your team already uses, with transparent SMB-friendly pricing and same-day setup.
The technology layer, yes — KYC verification, AML screening (PEP, Sanctions, Adverse Media), risk assessment, ongoing monitoring, dual record-keeping (PMS plus 7-year vault), AUSTRAC-ready audit reports, and Know Your Employee screening. For firms also needing a full AML/CTF compliance program (policy, documentation, ongoing program governance), our partner network covers the program-structure side.
It is already in production with Tranche 2-bound firms. The Tranche 2 workflow has been live since early 2026, with the AUSTRAC enrolment process supported and the 30 May 2026 compliance officer notification deadline factored into onboarding guidance.
Native integrations with XPM, Karbon, FYI, HubSpot, Pipedrive, Salesforce, MYOB, Xero, QuickBooks, NetSuite, Greatsoft, Employment Hero, Zapier, and 100+ others. FrankieOne integrates via API only — no native connectors for XPM, Karbon, FYI, HubSpot, or other practice management software used by Australian accountants. Implementation requires an engineering team.
IdentityCheck has published pricing starting at approximately $30/month with a free trial — no credit card required, no sales call. FrankieOne is enterprise sales-led with volume commitments typically expected in the 10,000+ checks/year range. For a firm doing 10–50 checks per month, IdentityCheck is dramatically more economical and self-serviceable.
Yes. Self-service signup, no minimum commitment, free trial without a sales call. The Starter tier is purpose-built for sole practitioners and small accounting firms preparing for Tranche 2 without the budget for an enterprise consulting engagement.
No setup fees. No lock-in. Live the same day. Built for Australian firms.