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Cybersecurity · head to head

Feedzai vs Refact

Feedzai logo

Feedzai

Cybersecurity

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

From
On request
Free plan
No
Full reviewWebsite
Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite

The short version

  • Only Refact has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Refact requires configuration for optimal performance
  • They diverge on capability: Feedzai covers Real-time scoring, Refact covers Autonomous agent workflows.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Feedzai and Refact actually diverge.

Attributes where Feedzai and Refact differ
AttributeFeedzaiRefact
Starting priceOn requestFree
Pricing modelquoteFreemium with paid tiers
Free tierNoYes
PlatformsWeb, LinuxVS Code, Web
CategoryCybersecurityDeveloper Tools
FoundedUnknown2023

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

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 Feedzai

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

Only in Refact

  • Autonomous agent workflows
  • IDE chat
  • Real-time code completions
  • GitHub integration
  • Database integration
  • On-premise deployment
  • Multi-LLM support
  • 25+ language support

What people use each for

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

Feedzai

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

Refact

  • Autonomous code generation for development tasksnot Feedzai
  • End-to-end bug fixes and refactoringnot Feedzai
  • Multi-language software development accelerationnot Feedzai
  • Enterprise development with data privacy requirementsnot Feedzai

Where each one falls short

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

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.

Refact

  • Requires configuration for optimal performance
  • On-premise deployment adds operational complexity
  • Free tier limited by daily agent request quota
  • Coin system adds complexity to cost calculation

Pricing, plan by plan

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

Refact

Free
  • FreeFree
    • Limited daily agent usage
    • Unlimited completions
    • 2,000 coins for agent and chat
  • Pro$10/month
    • 40 daily agent requests
    • 64k context window
    • 10,000 coins monthly
  • Enterprise$undefined/custom
    • On-premise deployment
    • Custom coin allocation
    • Fine-tuning support

Which should you pick?

Choose Feedzai if

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

Choose Refact if

  • You need autonomous agent workflows.
  • You want to start without paying.
  • You work on VS Code, Web.
  • You also want ide chat.
Refact review

Questions people ask

Is Feedzai or Refact better?
Neither clearly leads. Feedzai starts at On request and Refact at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Feedzai or Refact?
Refact has a free tier; the other does not. Paid plans start at On request for Feedzai and Free for Refact.
Does Feedzai or Refact run on more platforms?
Feedzai runs on Web, Linux. Refact runs on VS Code, Web.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Feedzai starts at On request.
What is Feedzai best used for?
Feedzai is most often used for a bank joining an instant payments scheme where transfers are irrevocable and post-hoc recovery is impossible, a card issuer whose existing rules engine cannot be changed without a release, so fraud waves run for days, an acquirer needing per-merchant risk models rather than one portfolio-wide model, a bank required by its regulator to explain automated declines to customers, which rules out opaque scoring. Of those, a bank joining an instant payments scheme where transfers are irrevocable and post-hoc recovery is impossible and a card issuer whose existing rules engine cannot be changed without a release, so fraud waves run for days are not what Refact is typically brought in for.
What can Feedzai do that Refact cannot?
Feedzai covers Real-time scoring, Rule and model hybrid, Case manager, Behavioural biometrics. Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

Answered from the vendors’ own pages

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.

Refact: How many programming languages does Refact support?

Refact supports 25+ programming languages including Python, JavaScript, Go, Rust, Java, C++, and many others.

Source
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.

Refact: Can I deploy Refact on-premises?

Yes. Refact offers on-premise deployment options for organizations requiring complete data control and privacy.

Source
Feedzai: How fast are decisions?

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

Refact: What LLMs does Refact support?

Refact works with multiple LLMs including Claude, GPT-4, and open-source models, giving you flexibility in model selection.

Source
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