COGS

The Work Number

High TWN's cost of goods sold is 60% per transaction. This is because they need to purchase the data from employers and maintain a database and supporting call center.

Argyle

Low Argyle's cost of goods sold is server costs, measured in cents per account connected. We lead with other value props, but where necessary, we can lean in on price to win.

The Employer

Low It's a single form and the employer does not need to be paid. The verifier bears the costs associated with processing the responses.

COGS

The Work Number

High TWN's cost of goods sold is 60% per transaction. This is because they need to purchase the data from employers and maintain a database and supporting call center.

Argyle

Low Argyle's cost of goods sold is server costs, measured in cents per account connected. We lead with other value props, but where necessary, we can lean in on price to win.

The Employer

Low It's a single form and the employer does not need to be paid. The verifier bears the costs associated with processing the responses.