Softwr

Developer Tools · head to head

Refact vs Sumsub

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Sumsub logo

Sumsub

Cybersecurity

Identity verification and AML screening priced per verification

From
$1.35/verification
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; Sumsub the published per-verification rate is undercut by a monthly minimum of 149 or 299 dollars, so low volume businesses pay a much higher effective rate than the headline suggests.
  • They diverge on capability: Refact covers Autonomous agent workflows, Sumsub covers Document verification.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Sumsub actually diverge.

Attributes where Refact and Sumsub differ
AttributeRefactSumsub
Starting priceFree$1.35/verification
Pricing modelFreemium with paid tiersPer verification
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 Sumsub

  • Document verification
  • AML screening
  • KYB verification
  • No-code flow builder
  • Transaction monitoring
  • Travel Rule
  • Fraud and duplicate detection

What people use each for

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

Refact

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

Sumsub

  • A crypto exchange needing KYC plus Travel Rule handling under one contractnot Refact
  • A gambling operator entering several European markets and needing document coverage without a separate vendor per countrynot Refact
  • A fintech that wants a published price it can model in a business case before speaking to a salespersonnot Refact
  • A marketplace verifying both individual sellers and the companies behind them without buying two productsnot 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

Sumsub

  • The published per-verification rate is undercut by a monthly minimum of 149 or 299 dollars, so low volume businesses pay a much higher effective rate than the headline suggests.
  • You are billed per verification attempt in most configurations, meaning applicant drop-off and resubmissions cost money without producing a customer.
  • Pass rates and document support vary noticeably by country, and a market that works well in Europe can produce materially worse rejection rates in parts of Africa and South East Asia.
  • The AML screening tier bundles list coverage that large institutions would normally buy separately and tune, giving less control over match thresholds than a dedicated screening vendor.
  • The company originated in Russia before restructuring to a UK entity, and some financial institutions still raise that history in vendor risk review, which can slow or block procurement at conservative banks.

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

Sumsub

$1.35/verification
  • Basic$1.35/verification
    • 149 USD minimum monthly spend
    • Document verification and liveness
    • No-code flow builder
  • Compliance$1.85/verification
    • 299 USD minimum monthly spend
    • Everything in Basic
    • AML sanctions and PEP screening
  • Enterprise$undefined/year
    • Negotiated volume rate
    • Custom jurisdictions and languages
    • Dedicated support

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 Sumsub if

  • You need document verification.
  • You work on Web, iOS, Android.
  • You also want aml screening.
Sumsub review

Questions people ask

Is Refact or Sumsub better?
Neither clearly leads. Refact starts at Free and Sumsub at $1.35/verification, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Sumsub?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and $1.35/verification for Sumsub.
Does Refact or Sumsub run on more platforms?
Refact runs on VS Code, Web. Sumsub runs on Web, iOS, Android.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Sumsub starts at $1.35/verification.
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 Sumsub is typically brought in for.
What can Refact do that Sumsub cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Sumsub covers Document verification, AML screening, KYB verification, No-code flow builder.

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
Sumsub: What does a verification actually cost?

1.35 USD on Basic and 1.85 USD on Compliance, but with 149 and 299 USD monthly minimums respectively. Below roughly 110 or 160 checks a month you are paying the minimum, not the rate.

Refact: Can I deploy Refact on-premises?

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

Source
Sumsub: Do failed verifications get charged?

Attempts are generally billable, so a poor onboarding funnel raises your bill. Confirm the exact resubmission policy in your contract.

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
Sumsub: Does it cover business verification?

Yes, KYB with company registry lookups and beneficial owner resolution is part of the platform rather than a separate product.

Share

Related pages

More on Refact

More on Sumsub

Keep looking

Other head to heads