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Cybersecurity · head to head

Jumio vs Refact

Jumio logo

Jumio

Cybersecurity

Document-based identity verification for regulated onboarding

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: Jumio no pricing is published at any tier, so a buyer cannot size the cost without entering a sales process, and benchmarking requires a competitive bid from a vendor that does publish.; Refact requires configuration for optimal performance
  • They diverge on capability: Jumio 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 Jumio and Refact actually diverge.

Attributes where Jumio and Refact differ
AttributeJumioRefact
Starting priceOn requestFree
Pricing modelquoteFreemium with paid tiers
Free tierNoYes
PlatformsWeb, iOS, AndroidVS 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 Jumio

  • Document verification
  • Liveness detection
  • AML screening
  • Identity orchestration
  • Risk signals
  • Data residency options
  • Case review console

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.

Jumio

  • A bank that needs iBeta certified liveness evidence to satisfy an internal control requirementnot Refact
  • A gambling operator required to verify age and identity across multiple regulated European marketsnot Refact
  • An organisation with an EU data residency mandate that cannot send biometric data to US processingnot Refact
  • A marketplace needing one vendor contract covering document checks, screening and ongoing monitoring rather than threenot Refact

Refact

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

Where each one falls short

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

Jumio

  • No pricing is published at any tier, so a buyer cannot size the cost without entering a sales process, and benchmarking requires a competitive bid from a vendor that does publish.
  • Contracts are structured on annual committed volume, meaning a business whose growth stalls pays for verifications it never consumed and there is usually no rollover.
  • AML screening is licensed separately from identity verification, so the quote that wins on document price can be materially more expensive once screening and monitoring are added.
  • Pass rates degrade for lower quality documents and older smartphones, and the resulting manual review queue is a staffing cost that does not appear in the vendor quote.
  • As an established vendor with a large enterprise base, product changes move at enterprise pace, and buyers wanting rapid iteration on new fraud vectors often find newer entrants ship faster.

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

Jumio

On request
  • Jumio Platform$undefined/year
    • Priced per verification with annual volume commitment
    • Overage rates apply above committed volume
    • AML screening priced separately from document checks

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 Jumio if

  • You need document verification.
  • You work on Web, iOS, Android.
  • You also want liveness detection.
Jumio 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 Jumio or Refact better?
Neither clearly leads. Jumio 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, Jumio or Refact?
Refact has a free tier; the other does not. Paid plans start at On request for Jumio and Free for Refact.
Does Jumio or Refact run on more platforms?
Jumio runs on Web, iOS, Android. 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. Jumio starts at On request.
What is Jumio best used for?
Jumio is most often used for a bank that needs ibeta certified liveness evidence to satisfy an internal control requirement, a gambling operator required to verify age and identity across multiple regulated european markets, an organisation with an eu data residency mandate that cannot send biometric data to us processing, a marketplace needing one vendor contract covering document checks, screening and ongoing monitoring rather than three. Of those, a bank that needs ibeta certified liveness evidence to satisfy an internal control requirement and a gambling operator required to verify age and identity across multiple regulated european markets are not what Refact is typically brought in for.
What can Jumio do that Refact cannot?
Jumio covers Document verification, Liveness detection, AML screening, Identity orchestration. Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

Answered from the vendors’ own pages

Jumio: Does Jumio publish prices?

No. Everything is quoted, normally as a per-verification rate against an annual committed volume with overage pricing above 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
Jumio: Is biometric data processed in the EU?

Regional processing including EU data residency is offered. Confirm the specific region and retention period in the contract rather than assuming it.

Refact: Can I deploy Refact on-premises?

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

Source
Jumio: Is AML screening included?

Not by default. Screening and ongoing monitoring are priced separately from document verification.

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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