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Cybersecurity · head to head

Feedzai vs Sila

Feedzai logo

Feedzai

Cybersecurity

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

From
On request
Rated
-
Full reviewWebsite
Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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.; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • They diverge on capability: Feedzai covers Real-time scoring, Sila covers ACH origination.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Feedzai and Sila actually diverge.

Attributes where Feedzai and Sila differ
AttributeFeedzaiSila
PlatformsWeb, LinuxWeb, API
CategoryCybersecurityAPIs

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

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 Sila
  • A card issuer whose existing rules engine cannot be changed without a release, so fraud waves run for daysnot Sila
  • An acquirer needing per-merchant risk models rather than one portfolio-wide modelnot Sila
  • A bank required by its regulator to explain automated declines to customers, which rules out opaque scoringnot Sila

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Feedzai
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Feedzai
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Feedzai
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot 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.

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

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

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

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 Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Questions people ask

Is Feedzai or Sila better?
Neither clearly leads. Feedzai starts at On request and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Feedzai or Sila?
Feedzai starts at On request and Sila at On request.
Does Feedzai or Sila run on more platforms?
Feedzai runs on Web, Linux. Sila runs on Web, API.
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 Sila is typically brought in for.
What can Feedzai do that Sila cannot?
Feedzai covers Real-time scoring, Rule and model hybrid, Case manager, Behavioural biometrics. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts.

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.

Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

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.

Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

Feedzai: How fast are decisions?

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

Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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