Certivus vs. Xama: Which Has Better Value?
Answer-first summary
How does Certivus compare with Xama?
Certivus focuses on simple AML workflows, transparent pricing, PEP and sanctions screening, and audit-ready records for UK accounting practices. Xama is often considered for integration-led workflows, so buyers should weigh integration needs against pricing clarity, evidence exports, and staff adoption.
- Use Certivus if transparent pricing and simple practice rollout are priorities
- Consider Xama if integrations are the primary selection driver
- Compare export quality, review notes, and audit evidence before switching
Feature
Certivus
Xama
Pricing
£49/month (50 verifications) Public
Credit or check-based pricing; verify current provider pricing
Integrations
CSV import, QuickBooks (Q2)
Multiple integrations (8+)
Brand Visibility
Founder-led (growing)
Established integration-focused AML tool
Customer Support
Email + chat (4-hour response)
Email only
The Verdict
Choose Certivus if:
- •You want simple, flat-rate pricing (no credit calculations)
- •You value founder accessibility (Mehmood is active on LinkedIn)
- •You prefer all-in pricing (unlimited PEP/Sanctions)
Choose Xama if:
- •You need more integrations (they have 8+)
- •You only do 10-20 verifications/year (pay-per-check is cheaper)
Who should compare Certivus with Xama?
The best AML software choice changes depending on who carries the risk, who controls the budget, and who has to run the work every week.
Managing partner
Compare predictable cost, inspection exposure, client acceptance risk, and whether the tool will be adopted across the firm.
ContinueMLRO / MLCO
Compare evidence quality, risk decisions, escalation routes, sanctions audit trail, and SAR-ready record keeping.
ContinueOperations lead
Compare setup time, client friction, staff training load, exports, and how cleanly the workflow fits day-to-day onboarding.
ContinueDecision checklist before choosing Certivus or Xama
- Ask for the current pricing model in writing, including checks, screening, users, exports, and support.
- Run one realistic client file through each workflow: individual, company, higher-risk client, and evidence export.
- Check whether the AML record would satisfy HMRC, SRA, or professional-body inspection without manual reconstruction.
- Use Xama where accounting-software integrations are the main buying criterion and you have checked total cost at your expected verification volume; use Certivus where UK-accountancy workflow, transparent pricing, and audit-ready evidence are the deciding factors.
Certivus vs Xama questions
Is Certivus or Xama better for accountants?
Certivus is positioned for practices that want transparent monthly pricing, simple onboarding, screening, and audit-ready evidence in one workflow. Xama may suit teams that prioritise a broader integration set, so buyers should compare current pricing, integration needs, and evidence exports.
What matters more: integrations or evidence workflow?
It depends on the practice. Integrations can reduce duplicate data entry, but AML teams also need clear risk decisions, screening evidence, audit trails, and exportable records when preparing for review.