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Developer Tools · head to head

Refact vs Stytch

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Stytch logo

Stytch

Cybersecurity

Identity platform with passwordless auth, passkeys and bot detection.

From
Free
Free plan
Yes
Full reviewWebsite

The short version

  • Each has a real cost: Refact requires configuration for optimal performance; Stytch free tier limited to 10,000 monthly active users; scaling beyond this requires custom pricing negotiation
  • Prices and features above were last checked on 29 August 2026.

Where they differ

Only the attributes on which Refact and Stytch actually diverge.

Attributes where Refact and Stytch differ
AttributeRefactStytch
Pricing modelFreemium with paid tiersfreemium
PlatformsVS Code, WebWeb, API
CategoryDeveloper ToolsCybersecurity
Founded2023Unknown

Identical on both: starting price (Free), free tier (Yes), 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 Stytch

Nothing recorded that Refact does not also cover.

What people use each for

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

Refact

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

Stytch

  • Applications prioritising passwordless and passkey authenticationnot Refact
  • SaaS platforms requiring AI agent authentication and machine-to-machine flowsnot Refact
  • Companies with emerging identity needs such as bot detection and device intelligencenot Refact
  • Organisations building with Next.js and React requiring modern auth patternsnot Refact
  • Applications needing transparent pricing without surprise tiers or feature gatingnot 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

Stytch

  • Free tier limited to 10,000 monthly active users; scaling beyond this requires custom pricing negotiation
  • Fraud prevention capabilities billed at $0.005 per fingerprint for usage exceeding 10,000 free checks
  • Additional SSO or SCIM connections beyond the 5 included in free tier cost $125 each
  • Brand customisation and email removal require one-time payment of $99
  • HIPAA and advanced fraud protection only available in Enterprise tier
  • No native UI builder; requires custom frontend development for fully-branded auth flows

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

Stytch

Free
  • FreeFree
    • 10,000 monthly active users and AI agents
    • Unlimited organisations
    • 5 SSO or SCIM connections
  • Scaled$undefined/variable
    • Usage-based pricing for users exceeding 10,000
    • All free tier features
    • Volume discounts available
  • Enterprise$undefined/variable
    • Custom pricing
    • Discounted volume rates
    • Enterprise support SLA

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 Stytch if

  • You want to start without paying.
  • You work on Web, API.
Stytch review

Questions people ask

Is Refact or Stytch better?
Neither clearly leads. Refact starts at Free and Stytch at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Stytch?
Refact starts at Free and Stytch at Free.
Does Refact or Stytch run on more platforms?
Refact runs on VS Code, Web. Stytch runs on Web, API.
Can I use Refact for free?
Both have a free tier, so you can try either at no cost before committing.
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 Stytch is typically brought in for.
What can Refact do that Stytch cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration.

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
Stytch: What is included in Stytch's free tier?

The free tier includes 10,000 monthly active users (human and AI agents), unlimited organisations, 5 SSO or SCIM connections, and 1,000 machine-to-machine tokens with full authentication features.

Source
Refact: Can I deploy Refact on-premises?

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

Source
Stytch: Does Stytch support AI agent authentication?

Yes. Stytch provides native AI agent authentication and authorisation, with support for the Model Context Protocol (MCP) for authenticating AI agents accessing external systems.

Source
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
Stytch: What fraud prevention features does Stytch offer?

Stytch includes bot detection with 99.99% accuracy, device fingerprinting, invisible CAPTCHA, and zero-day device intelligence built into all tiers.

Source
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