Softwr

Government · head to head

Polco vs Unit21

Polco logo

Polco

Government

Civic Engagement and Polling Platform

From
$300/month
Free plan
No
Full reviewWebsite
Unit21 logo

Unit21

Cybersecurity

No-code fraud and AML risk operations platform for fintechs and neobanks

From
On request
Free plan
No
Full reviewWebsite

The short version

  • Each has a real cost: Polco interface has a formal, academic tone compared to modern civic engagement platforms; Unit21 it is built for fintech scale rather than card issuer scale, so organisations reaching very high transaction volumes generally re-evaluate against heavier platforms and face a migration.
  • They diverge on capability: Polco covers Scientific Surveys, Unit21 covers No-code rule builder.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Polco and Unit21 actually diverge.

Attributes where Polco and Unit21 differ
AttributePolcoUnit21
Starting price$300/monthOn request
Pricing modelsubscriptionquote
PlatformsWeb, Ios, AndroidWeb
CategoryGovernmentCybersecurity
Founded2015Unknown

Identical on both: 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 Polco

  • Scientific Surveys
  • Live Polling
  • Community Benchmarking
  • Priority-Based Budgeting
  • Demographic Analysis
  • NRC Surveys
  • ArcGIS
  • Social Media

Only in Unit21

  • No-code rule builder
  • Case management
  • SAR filing
  • Backtesting
  • Identity and device signals
  • Data ingestion API

What people use each for

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

Polco

  • Citizen Servicesnot Unit21
  • Records Managementnot Unit21
  • Public Safetynot Unit21
  • Civic Engagementnot Unit21

Unit21

  • A neobank whose sponsor bank requires a documented monitoring programme before it will keep the BIN sponsorshipnot Polco
  • A crypto exchange needing SAR filing and case management without building an internal compliance engineering teamnot Polco
  • A payments startup where the fraud lead needs to ship a new rule the same day a new attack pattern appearsnot Polco
  • A lender consolidating fraud alerts from three point tools into one investigator queue with a single audit trailnot Polco

Where each one falls short

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

Polco

  • Interface has a formal, academic tone compared to modern civic engagement platforms
  • Emphasizes surveys and benchmarking over open discussion forums and idea boards
  • Pricing is custom quote-based without transparent pricing on the website

Unit21

  • It is built for fintech scale rather than card issuer scale, so organisations reaching very high transaction volumes generally re-evaluate against heavier platforms and face a migration.
  • No-code rule authoring shifts power to the risk team, which is the point, but without governance it produces rule sprawl that nobody can explain to an examiner two years later.
  • Detection quality depends on the signals you feed it, so a thin integration produces thin results and the platform cannot compensate with proprietary consortium data the way larger vendors do.
  • Pricing is quoted by volume with an annual commitment, so a fintech whose growth stalls pays for headroom it did not use.
  • SAR filing coverage is oriented to United States FinCEN reporting, so firms filing in the United Kingdom, European Union or Asia handle those submissions outside the tool.

Pricing, plan by plan

Polco

$300/month
  • Community Engagement$300/month
    • Community Surveys
    • Live Polling
    • Benchmarking

Unit21

On request
  • Unit21 Platform$undefined/year
    • Priced by monitored volume and modules, annual contract
    • Fraud, AML and case management packaged separately
    • Implementation and historical data backfill quoted with the subscription

Which should you pick?

Choose Polco if

  • You need scientific surveys.
  • You work on Web, Ios, Android.
  • You also want live polling.
Polco review

Choose Unit21 if

  • You need no-code rule builder.
  • You also want case management.
Unit21 review

Questions people ask

Is Polco or Unit21 better?
Neither clearly leads. Polco starts at $300/month and Unit21 at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Polco or Unit21?
Polco starts at $300/month and Unit21 at On request.
Does Polco or Unit21 run on more platforms?
Polco runs on Web, Ios, Android. Unit21 runs on Web.
What is Polco best used for?
Polco is most often used for citizen services, records management, public safety, civic engagement. Of those, citizen services and records management are not what Unit21 is typically brought in for.
What can Polco do that Unit21 cannot?
Polco covers Scientific Surveys, Live Polling, Community Benchmarking, Priority-Based Budgeting. Unit21 covers No-code rule builder, Case management, SAR filing, Backtesting.

Answered from the vendors’ own pages

Polco: How does Polco ensure survey data quality?

Polco uses scientific survey methodology through the National Research Center, with pre-tested survey questions and verification that participants live in the surveyed area to eliminate outside interference and bad-faith responses.

Source
Unit21: Do we need engineers to run it?

Only for the initial data integration. After that the design intent is that risk and compliance staff author and deploy rules themselves.

Polco: What's the difference between Polco and open discussion platforms?

Polco emphasizes scientific surveys and benchmarking over open forums or suggestion boards, prioritizing rigorous data collection for policy decisions over broad community brainstorming.

Source
Unit21: Does it file SARs?

Yes, it generates and electronically files suspicious activity reports to FinCEN. Non-US regimes are not covered to the same depth.

Unit21: Can we test a rule before it goes live?

Yes. Backtesting against historical data to see projected alert volume is one of the more useful parts of the product, because alert volume is the real cost.

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