Usage Charges
Raytio is free for consumers (data providers). Data receivers pay according to the number and type of forms used, and the data verifications required. The charge for each item is outlined in the tables below. Usage charges deplete the Usage Credits which have been purchased by the User. Subscription plans include a number of Usage Credits which are depleted first followed by the Usage Credits included with any purchased Credit Bundles.
Usage Credits included with a subscription plan expire at the end of the plan (either monthly or annually). Usage Credits included with a Credit Bundle expire after one year.
Example use cases and usage fees charged:
Standard CDD (NZ DL, NZ Address verification, PEP check): 6.9
Standard CDD (AU DL, NZ Address verification, PEP check) with biometric identity binding: 11.4
Online check-in (AU PP, Selfie, Email address, Phone number (phone call), Guests, Credit card pre-auth, Terms and conditions): 15.2
Verification Charges
| Name | SKU | Usage charge | Description |
|---|---|---|---|
| NZTA - NZ Driver Licence | DTZ-NZDL | 1.30 | Verification of NZ driver licence number, name and date of birth |
| DIA - NZ Passport | DTZ-NZPP | 1.95 | Verification of NZ passport number, expiry date, name and date of birth |
| DIA – Birth’s | DTZ-BRTH | 1.95 | Verification of birth |
| DIA - Citizenship | DTZ-CTZN | 1.95 | Verification of citizenship |
| Credit Header Data | DTZ-CRDT | 0.78 | Verification of name and address using credit bureau data |
| MV Rego with DOB | DTZ-MVRG | 0.91 | Verification of name and address using motor vehicle data |
| New Zealand Driver’s License and Motor Vehicle registration | DTZ-DLMV | 1.30 | Verification of name and address using motor vehicle and licence data |
| DVS - AU Driver Licence | DTZ-AUDL | 2.30 | Verification of AU driver licence number, name and date of birth |
| DVS - AU Passport | DTZ-AUPP | 2.95 | Verification of AU passport number, expiry date, name and date of birth |
| Credit card charge/authorisation/validation | STP-PI | 2.00 | Create Stripe customer, Setup Intent, Payment Intent to validate, pre-authorise or charge a credit card |
| Phone number - SMS | TWL-PH-S | 0.50 | Verification of a phone number by sending an SMS message and confirming the reponse |
| Phone number - Phone call | TWL-PH-C | 1.00 | Verification of a phone number by calling a number and and confirming the reponse |
| Credit card charge/authorisation/validation | TWL-EML | 0.25 | Verification of an email address by sending a code to an email and confirming the reponse |
| Person face capture and match | RAY-HUM-Q | 0.50 | Capture person’s image, compare with another image and return match probability |
| Person liveness detection | RAY-HUM-V | 0.50 | Capture video, check for liveness |
| Identity binding | RAY-IDB | 0.50 | Compare live person video with identity document image and return match probability. Note: requires a verified live person and a verified photo id |
| Register/renew a financing statement | MBI-PPRG | 15.40 | Facility to register a financial statement over an asset on the Personal Property Securities Register. |
| PPSR search | MBI-PPSR | 2.20 | Search of the Personal Property Securities Register for registered Financial Statements. Number of securities registered, Date of registration of Security, Status, Expiry date, Collateral description, secured parties, Debtor information. |
| Bank transactions - per account per month | AKU-USR | 1.00 | Store bank transactions for an account for a month |
| Bank statement - per statement | AKU-DOC | 1.00 | Retrieve bank statement details |
| Consumer Credit Report | CTX-CCR | 3.95 | Entity Data, Consumer Information (Known Names, Date of Birth, Known Addresses), File activity, Defaults, Judgments, Insolvencies, Company Affiliations, File Narratives |
| PEP/ Sanctions List Search | CTX-PEP | 0.39 | AML compliance search of sanction lists and politically exposed persons |
| Court Fines only | CTX-FIN | 0.39 | Consumer information, Fines result indicator, Fines balance (if outstanding fines exist) |
| Tracing Services | CTX-TRC | 1.95 | Consumer Information (Known Names, Date of Birth, Known Addresses), match level |
| Monitoring services | CTX-MON | 2.60 | Options include: New address, new enquiry, new account facility, adverse data, score change, monthly score on all active accounts, account payment delinquency advice |
| Property Data detail | CTX-PTY | 0.91 | Certificate of Title information for property searched |
| Commercial Credit Report | CTX-CMCR | 14.95 | Enquiry information, Risk Assessment, Company information, Credit details (if available), Notifications, Defaults, Judgments, Insolvencies, File Access, NZ Companies office Details, Director affiliations, Shareholder affiliations, PPSR Finance Statements, Public Notices |
| Commercial Directorship Report (s) | CTX-CMDR | 5.20 | Consumer Credit Report on each Director of the searched Company |
| Beneficial Owners Report (AML) | CTX-BEN | 3.90 | Defines the Beneficial Owner(s) of a registered Company as defined by AML legislation |
| Wheels Base Report (Vehicle Details) | CTX-VHD | 3.25 | Vehicle Description (Plate, VIN, Year, Make Model), Current Registered Parties, Vehicle Details, Registration details, plate history, Odometer history, warnings (Stolen, unreliable odometer flags) |
| Valuation add-on | CTX-VHV | 3.25 | RedBook Valuation including Vehicle features and Specification from RedBook database, Valuation estimation based on condition and available for both private sale and trade in. |
| PPSR Search | CTX-PPSR | 3.25 | Search of the Personal Property Securities Register for registered Financial Statements. Number of securities registered, Date of registration of Security, Status, Expiry date, Collateral description, secured parties, Debtor information. |
| PPSR Register Finance Statement | CTX-PPRG | 19.18 | Facility to register a financial statement over an asset on the Personal Property Securities Register. |
| COP. Store bank account (-999) | RAY-COP-DB-01 | 0.02 | Store the hashed bank account details (up to 999 in one month). Requires "Large" plan. |
| COP. Store bank account (1,000-99,999) | RAY-COP-DB-02 | 0.015 | Store the hashed bank account details (from 1,000-99,999 in one month). Requires "Large" plan. |
| COP. Store bank account (100,000-) | RAY-COP-DB-03 | 0.01 | Store the hashed bank account details (from 100,000- in one month). Requires "Large" plan. |
| COP. Verify bank account (-999) | RAY-COP-VF-01 | 0.05 | Receive a bank account verification request and return a response (up to 999 in one month). Requires "Small" plan. |
| COP. Verify bank account (1,000-99,999) | RAY-COP-VF-02 | 0.04 | Receive a bank account verification request and return a response (from 1,000-99,999 in one month). Requires "Medium" plan. |
| COP. Verify bank account (100,000-) | RAY-COP-VF-03 | 0.02 | Receive a bank account verification request and return a response (from 100,000- in one month). Requires "Large" plan. |
| COP. Hash bank account (-999) | RAY-COP-SH-01 | 0.02 | Accept the plaintext bank account details and return a hash (up to 999 in one month). Requires "Large" plan. |
| COP. Hash bank account (1,000-99,999) | RAY-COP-SH-02 | 0.015 | Accept the plaintext bank account details and return a hash (from 1,000-99,999 in one month). Requires "Large" plan. |
| COP. Hash bank account (100,000-) | RAY-COP-SH-03 | 0.01 | Accept the plaintext bank account details and return a hash (from 100,000- in one month). Requires "Large" plan. |
Form Charges
| Name | SKU | Usage charge | Description |
|---|---|---|---|
| Smart form - Document capture and recognition | RAY-RSF-X | 1.50 | Capture user-entered data, video, images or documents using camera or via upload. Extract relevant data from images or video. No verification performed |
| Smart form - Data verification | RAY-RSF-V | 1.50 | Capture user-entered data, send for verification and return result |
| Smart form - Document capture, recognition and verification | RAY-RSF-XV | 2.00 | Capture user-entered data, video, images or documents using camera or via upload. Extract relevant data from images or video, send for verification and return result |
| Smart form | RAY-RSF-E | 0.50 | Capture user-entered data |
