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Cybersecurity · head to head

iDenfy vs Refact

iDenfy logo

iDenfy

Cybersecurity

Identity verification and AML screening bundled into a single per-verification price

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: iDenfy rates are quoted rather than published on an accessible page, so despite the marketing emphasis on transparency you still need a sales conversation to get a number.; Refact requires configuration for optimal performance
  • They diverge on capability: iDenfy covers Document verification, Refact covers Autonomous agent workflows.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which iDenfy and Refact actually diverge.

Attributes where iDenfy and Refact differ
AttributeiDenfyRefact
Starting priceOn requestFree
Pricing modelPer verificationFreemium with paid tiers
Free tierNoYes
PlatformsWeb, iOS, Android, APIVS 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 iDenfy

  • Document verification
  • Human review on all cases
  • AML screening
  • Business verification
  • Proof of address
  • NFC chip reading

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.

iDenfy

  • A European fintech that needs KYC and AML screening and wants one price rather than four line itemsnot Refact
  • A gambling operator in a regulated EU market needing age and identity assurance with EU data processingnot Refact
  • A crypto platform with modest volume that cannot meet the minimum commitments larger vendors requirenot Refact
  • A marketplace wanting NFC passport chip reading for higher assurance without an enterprise contractnot Refact

Refact

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

Where each one falls short

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

iDenfy

  • Rates are quoted rather than published on an accessible page, so despite the marketing emphasis on transparency you still need a sales conversation to get a number.
  • It is a smaller vendor than the market leaders, which makes it a harder sell through enterprise vendor-risk review even when the product performs well.
  • Human review on every case caps throughput in a way fully automated competitors are not constrained by, which shows up as latency during volume spikes.
  • Coverage and accuracy are strongest on European documents; performance on some Asian, African and Latin American document types trails specialists in those regions.
  • The bundled AML screening uses its chosen data sources, so institutions mandated to use a specific list provider such as Dow Jones cannot substitute it and end up paying twice.

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

iDenfy

On request
  • iDenfy Verification$undefined/verification
    • Volume-tiered per-verification rates quoted on request
    • AML screening bundled rather than charged per check
    • No monthly minimum advertised

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 iDenfy if

  • You need document verification.
  • You work on Web, iOS, Android, API.
  • You also want human review on all cases.
iDenfy 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 iDenfy or Refact better?
Neither clearly leads. iDenfy 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, iDenfy or Refact?
Refact has a free tier; the other does not. Paid plans start at On request for iDenfy and Free for Refact.
Does iDenfy or Refact run on more platforms?
iDenfy runs on Web, iOS, Android, API. 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. iDenfy starts at On request.
What is iDenfy best used for?
iDenfy is most often used for a european fintech that needs kyc and aml screening and wants one price rather than four line items, a gambling operator in a regulated eu market needing age and identity assurance with eu data processing, a crypto platform with modest volume that cannot meet the minimum commitments larger vendors require, a marketplace wanting nfc passport chip reading for higher assurance without an enterprise contract. Of those, a european fintech that needs kyc and aml screening and wants one price rather than four line items and a gambling operator in a regulated eu market needing age and identity assurance with eu data processing are not what Refact is typically brought in for.
What can iDenfy do that Refact cannot?
iDenfy covers Document verification, Human review on all cases, AML screening, Business verification. Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

Answered from the vendors’ own pages

iDenfy: Is AML screening included in the verification price?

That is the pitch, screening bundled rather than sold as a per-check add-on. Confirm which sanctions and PEP data sources are behind it before you rely on it.

Refact: How many programming languages does Refact support?

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

Source
iDenfy: Is there a monthly minimum?

iDenfy markets itself as having no monthly minimum, in contrast to competitors charging $49 to $299 a month. Get that in writing in the contract.

Refact: Can I deploy Refact on-premises?

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

Source
iDenfy: Where is data processed?

iDenfy is established in Lithuania and processes in the EU, which simplifies GDPR transfer assessments compared with United States-headquartered vendors.

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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