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Developer Tools · head to head

Refact vs Signicat

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Signicat logo

Signicat

Cybersecurity

European digital identity hub connecting national eID schemes

From
On request
Free plan
No
Full reviewWebsite

The short version

  • Only Refact has a free tier, so it costs nothing to try first.
  • Each has a real cost: Refact requires configuration for optimal performance; Signicat national eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • They diverge on capability: Refact covers Autonomous agent workflows, Signicat covers eID scheme brokering.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Signicat actually diverge.

Attributes where Refact and Signicat differ
AttributeRefactSignicat
Starting priceFreeOn request
Pricing modelFreemium with paid tiersquote
Free tierYesNo
PlatformsVS Code, WebWeb, iOS, Android
CategoryDeveloper ToolsCybersecurity
Founded2023Unknown

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 Refact

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

Only in Signicat

  • eID scheme brokering
  • Qualified electronic signatures
  • Document verification
  • AML screening
  • Authentication
  • Digital onboarding flows
  • eIDAS compliance

What people use each for

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

Refact

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

Signicat

  • A lender expanding from Norway into Sweden, Denmark and the Netherlands without four separate eID integrationsnot Refact
  • An insurer needing eIDAS qualified signatures on policy documents that will hold up in a European courtnot Refact
  • A bank that wants customers to onboard with their existing national bank ID rather than photographing a passportnot Refact
  • A public sector body needing cross-border recognition of notified eID schemes under eIDASnot Refact

Where each one falls short

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

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

Signicat

  • National eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • Value is concentrated in Northern and Western Europe, and coverage in Southern and Eastern Europe is thinner, so a pan-European rollout still hits gaps requiring document fallback.
  • Pricing is per transaction and quoted, and because scheme rates vary by country the cost per onboarded customer differs materially between markets in ways that complicate unit economics.
  • Each eID scheme connection typically carries its own setup fee and approval process, so adding a country is a project with a lead time rather than a configuration change.
  • Availability is tied to the national schemes, meaning an outage at BankID or MitID stops your onboarding entirely and there is no vendor-side mitigation for it.

Pricing, plan by plan

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

Signicat

On request
  • Signicat Platform$undefined/year
    • Priced per transaction with national scheme fees passed through
    • Signature and verification products licensed separately
    • Setup fee per eID scheme connected

Which should you pick?

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

Choose Signicat if

  • You need eid scheme brokering.
  • You work on Web, iOS, Android.
  • You also want qualified electronic signatures.
Signicat review

Questions people ask

Is Refact or Signicat better?
Neither clearly leads. Refact starts at Free and Signicat at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Signicat?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and On request for Signicat.
Does Refact or Signicat run on more platforms?
Refact runs on VS Code, Web. Signicat runs on Web, iOS, Android.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Signicat starts at On request.
What is Refact best used for?
Refact is most often used for autonomous code generation for development tasks, end-to-end bug fixes and refactoring, multi-language software development acceleration, enterprise development with data privacy requirements. Of those, autonomous code generation for development tasks and end-to-end bug fixes and refactoring are not what Signicat is typically brought in for.
What can Refact do that Signicat cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Signicat covers eID scheme brokering, Qualified electronic signatures, Document verification, AML screening.

Answered from the vendors’ own pages

Refact: How many programming languages does Refact support?

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

Source
Signicat: Is this an alternative to a document verification vendor?

Only where national eID exists. In markets with a mature bank ID scheme it is better; elsewhere you fall back to document checks, which Signicat also provides.

Refact: Can I deploy Refact on-premises?

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

Source
Signicat: Do we still pay the eID schemes?

Yes. Scheme fees are passed through in addition to Signicat charges. Ask for the split when comparing to a direct integration.

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
Signicat: Are signatures legally qualified?

Signicat supports eIDAS qualified electronic signatures, which carry the highest legal standing in the EU, as well as advanced signatures.

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