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Developer Tools · head to head

Refact vs Trulioo

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Trulioo logo

Trulioo

Cybersecurity

Identity and business verification against national data sources in nearly 200 countries

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; Trulioo per-check rates vary widely by country and data source, so a blended average from the sales conversation misleads if your volume concentrates in expensive markets.
  • They diverge on capability: Refact covers Autonomous agent workflows, Trulioo covers Person match.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Trulioo actually diverge.

Attributes where Refact and Trulioo differ
AttributeRefactTrulioo
Starting priceFreeOn request
Pricing modelFreemium with paid tiersquote
Free tierYesNo
PlatformsVS Code, WebWeb, API
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 Trulioo

  • Person match
  • Business verification
  • Watchlist screening
  • Document and biometric
  • Single API
  • Workflow orchestration

What people use each for

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

Refact

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

Trulioo

  • A payments firm onboarding across dozens of countries where building a data-source integration per market is impracticalnot Refact
  • A marketplace verifying business sellers and needing beneficial ownership rather than just a company numbernot Refact
  • A fintech wanting a cheap frictionless first check and reserving document scanning for the minority that fail itnot Refact
  • A bank expanding into a market where document upload completion rates are poor and registry matching works betternot 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

Trulioo

  • Per-check rates vary widely by country and data source, so a blended average from the sales conversation misleads if your volume concentrates in expensive markets.
  • Coverage breadth is real but depth is uneven; a country on the map may be served by one thin source with low match rates, which you only discover in a live test.
  • You are charged per query including no-match results, so a market with poor source coverage burns budget producing nothing usable.
  • Because it aggregates third-party data, data residency and consent handling depend on the underlying provider terms, which complicates GDPR assessments in some jurisdictions.
  • Document and biometric capability is competent but not the strongest in the market, so buyers whose primary need is document fraud detection usually pair it with a specialist.

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

Trulioo

On request
  • Trulioo Platform$undefined/year
    • Priced per check with rates varying by country and data source
    • Person, business and watchlist checks charged separately
    • Volume commitment negotiated annually

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 Trulioo if

  • You need person match.
  • You work on Web, API.
  • You also want business verification.
Trulioo review

Questions people ask

Is Refact or Trulioo better?
Neither clearly leads. Refact starts at Free and Trulioo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Trulioo?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and On request for Trulioo.
Does Refact or Trulioo run on more platforms?
Refact runs on VS Code, Web. Trulioo runs on Web, API.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Trulioo 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 Trulioo is typically brought in for.
What can Refact do that Trulioo cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Trulioo covers Person match, Business verification, Watchlist screening, Document and biometric.

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
Trulioo: Does it need a document?

Not for the core product. Data-source matching uses name, address and date of birth, which is why completion rates are higher than document flows.

Refact: Can I deploy Refact on-premises?

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

Source
Trulioo: Are unmatched queries billed?

Yes, in general you pay per query rather than per successful match. Negotiate this explicitly if you are entering markets with thin coverage.

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
Trulioo: Can it verify companies as well as people?

Yes. Business verification including beneficial ownership is a distinct product line and a common reason to choose Trulioo over document-first vendors.

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