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Cybersecurity · head to head

Authy vs Feedzai

Authy logo

Authy

Cybersecurity

Twilio's free authenticator app with encrypted cloud backup, mobile only since the desktop clients were withdrawn in 2024.

From
Free
Rated
-
Full reviewWebsite
Feedzai logo

Feedzai

Cybersecurity

Real-time transaction fraud and financial crime detection for banks and payment processors

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Authy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Authy there is no export function for stored TOTP secrets, so moving to a different authenticator means disabling and re-enrolling two-factor authentication on every account individually, which is the reason most users stay rather than a reason anyone should choose it.; Feedzai pricing is per transaction with an annual minimum, so a bank with seasonal or growing volume commits to a floor it may not use and pays overage above the band.
  • They diverge on capability: Authy covers Encrypted cloud backup, Feedzai covers Real-time scoring.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Authy and Feedzai actually diverge.

Attributes where Authy and Feedzai differ
AttributeAuthyFeedzai
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsWebWeb, Linux

Identical on both: user rating (Not yet rated), category (Cybersecurity).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Authy

  • Encrypted cloud backup
  • Multi-device sync
  • Standard TOTP
  • Offline code generation
  • App lock
  • Multi-device toggle
  • Token organisation
  • Free with no account tier

Only in Feedzai

  • Real-time scoring
  • Rule and model hybrid
  • Case manager
  • Behavioural biometrics
  • Model explainability
  • Deployment options

What people use each for

The jobs each tool is most often brought in to do.

Authy

  • An individual who wants two-factor authentication on personal accounts and needs it to survive losing or replacing a phonenot Feedzai
  • A small team sharing access to a service account where the same tokens must be available on more than one handsetnot Feedzai
  • Replacing SMS-based codes with TOTP for someone who would abandon two-factor entirely if recovery were difficultnot Feedzai
  • Consolidating tokens scattered across several apps onto one device list with recognisable names and iconsnot Feedzai

Feedzai

  • A bank joining an instant payments scheme where transfers are irrevocable and post-hoc recovery is impossiblenot Authy
  • A card issuer whose existing rules engine cannot be changed without a release, so fraud waves run for daysnot Authy
  • An acquirer needing per-merchant risk models rather than one portfolio-wide modelnot Authy
  • A bank required by its regulator to explain automated declines to customers, which rules out opaque scoringnot Authy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Authy

  • There is no export function for stored TOTP secrets, so moving to a different authenticator means disabling and re-enrolling two-factor authentication on every account individually, which is the reason most users stay rather than a reason anyone should choose it.
  • The Windows, macOS and Linux desktop applications were discontinued in 2024 and stopped working, so any workflow that depended on copying codes on a computer now requires a phone in hand, and users who held tokens only on a desktop client had to restore from backup or re-enrol.
  • The account is keyed to a phone number, so an attacker who takes over that number through a SIM swap can begin the device registration flow, and the only remaining control is the backup password that most users set once and cannot recall.
  • In 2024 an unauthenticated Twilio endpoint allowed attackers to confirm which numbers from a supplied list were registered Authy accounts, exposing around 33 million phone numbers, which disclosed no codes but handed phishers a validated list of people known to use two-factor authentication.
  • It is a free consumer application inside a company that has already retired the paid Authy developer API it once supported, so it carries no revenue of its own, and users should treat its continued existence as a business decision rather than a roadmap commitment.

Feedzai

  • Pricing is per transaction with an annual minimum, so a bank with seasonal or growing volume commits to a floor it may not use and pays overage above the band.
  • It sits in the authorisation path, which makes every upgrade a change-controlled event with rollback plans, and the operational burden falls on the bank rather than the vendor.
  • Out of the box models need months of the customer own labelled fraud history before they beat the rules they replace, so the value case starts late.
  • AML and fraud are licensed as separate modules, so institutions expecting one platform fee find the transaction monitoring capability is a second line item.
  • The buyer profile is large institutions, so smaller banks and fintechs face minimums that make per-transaction economics unattractive below significant scale.

Pricing, plan by plan

Authy

Free

No published plan breakdown. See the Authy review.

Feedzai

On request
  • Feedzai Financial Crime Platform$undefined/year
    • Priced by transaction volume with annual minimum commitment
    • Modules for fraud, AML and account opening licensed separately
    • Cloud, private cloud and on-premises deployment

Which should you pick?

Choose Authy if

  • You need encrypted cloud backup.
  • You want to start without paying.
  • You also want multi-device sync.
Authy review

Choose Feedzai if

  • You need real-time scoring.
  • You work on Web, Linux.
  • You also want rule and model hybrid.
Feedzai review

Questions people ask

Is Authy or Feedzai better?
Neither clearly leads. Authy starts at Free and Feedzai at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Authy or Feedzai?
Authy has a free tier; the other does not. Paid plans start at Free for Authy and On request for Feedzai.
Does Authy or Feedzai run on more platforms?
Authy runs on Web. Feedzai runs on Web, Linux.
Can I use Authy for free?
Yes. Authy has a free tier, so you can try it without paying. Feedzai starts at On request.
What is Authy best used for?
Authy is most often used for an individual who wants two-factor authentication on personal accounts and needs it to survive losing or replacing a phone, a small team sharing access to a service account where the same tokens must be available on more than one handset, replacing sms-based codes with totp for someone who would abandon two-factor entirely if recovery were difficult, consolidating tokens scattered across several apps onto one device list with recognisable names and icons. Of those, an individual who wants two-factor authentication on personal accounts and needs it to survive losing or replacing a phone and a small team sharing access to a service account where the same tokens must be available on more than one handset are not what Feedzai is typically brought in for.
What can Authy do that Feedzai cannot?
Authy covers Encrypted cloud backup, Multi-device sync, Standard TOTP, Offline code generation. Feedzai covers Real-time scoring, Rule and model hybrid, Case manager, Behavioural biometrics.

Answered from the vendors’ own pages

Authy: Is Authy still supported?

The mobile apps for iOS and Android are still available and functional. The desktop applications were withdrawn in 2024 and the Authy developer API has been retired in favour of Twilio Verify, so the surrounding product has been shrinking.

Feedzai: Can Feedzai run on-premises?

Yes. On-premises and private cloud deployments are supported, which is why it appears in markets where transaction data cannot legally leave the country.

Authy: Can I export my tokens?

No. There is no export of the underlying secrets, by design. Migrating to another authenticator means going to each service, disabling two-factor authentication and setting it up again with the new app.

Feedzai: Does it cover AML as well as fraud?

It does, but transaction monitoring is a separately licensed module. Assume two line items if you want both.

Authy: What happened to the desktop app?

Twilio announced its discontinuation in March 2024 and the applications stopped working later that year. There is no replacement desktop client; the mobile apps are the product now.

Feedzai: How fast are decisions?

Designed for the authorisation window, typically tens of milliseconds. This is the constraint that rules out batch scoring architectures.

Authy: Is multi-device sync safe to leave on?

It is the feature most worth understanding. Leaving new device registration enabled means anyone who controls your phone number can attempt to add a device. The usual advice is to turn the multi-device setting off once your devices are registered and turn it on only when you need to add one.

Authy: What if I lose my phone and forget the backup password?

The secrets are encrypted with that password and Twilio does not hold it, so they cannot be recovered. You would fall back to each individual service's account recovery process, which is exactly the situation the backup was meant to avoid.

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