Softwr

Developer Tools · head to head

Refact vs Very Good Security

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Very Good Security logo

Very Good Security

Cybersecurity

Tokenisation proxy that keeps card and personal data out of your own systems and out of PCI scope

From
$1000/month
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; Very Good Security vGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • They diverge on capability: Refact covers Autonomous agent workflows, Very Good Security covers Aliasing proxy.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Refact and Very Good Security actually diverge.

Attributes where Refact and Very Good Security differ
AttributeRefactVery Good Security
Starting priceFree$1000/month
Pricing modelFreemium with paid tiersPer month
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 Very Good Security

  • Aliasing proxy
  • PCI scope reduction
  • Network tokenisation
  • Processor optionality
  • Card issuing data
  • Vault and access controls
  • Data residency options
  • Compliance artefacts

What people use each for

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

Refact

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

Very Good Security

  • A marketplace facing its first PCI DSS Level 1 assessment that wants to keep card data off its own estate rather than harden a dozen servicesnot Refact
  • A merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoreticalnot Refact
  • A fintech collecting bank account and identity documents that wants sensitive fields absent from logs, backups and analytics warehouses by constructionnot Refact
  • A card issuer that must display a full PAN in its own mobile app without the app or its backend touching cardholder datanot 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

Very Good Security

  • VGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • Token portability is the whole selling point yet leaving VGS means migrating tokens back out, a project the vendor has no incentive to streamline, so the lock-in you removed from your acquirer partly moves to VGS.
  • Entry pricing at around one thousand US dollars a month is real money for a pre-revenue fintech, and it buys volume-limited throughput, so cost scales with exactly the growth that made you buy it.
  • Scope reduction is not scope elimination: your QSA still assesses how you integrate, and teams regularly discover that a support tool or an internal admin screen pulled plaintext back in and dragged systems into scope again.
  • Proxy-based interception constrains how you design request flows, and non-standard payloads, streaming uploads or binary formats often need custom routing rules that make debugging production issues noticeably harder.

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

Very Good Security

$1000/month
  • Starter$1000/month
    • Aliasing proxy
    • Vault storage
    • PCI scope reduction
  • Growth$undefined/month
    • Network tokenisation
    • Multiple processors
    • Data residency options
  • Enterprise$undefined/year
    • Custom vault architecture
    • Dedicated support and SLA
    • Contractual compliance coverage

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 Very Good Security if

  • You need aliasing proxy.
  • You work on Web, API.
  • You also want pci scope reduction.
Very Good Security review

Questions people ask

Is Refact or Very Good Security better?
Neither clearly leads. Refact starts at Free and Very Good Security at $1000/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Very Good Security?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and $1000/month for Very Good Security.
Does Refact or Very Good Security run on more platforms?
Refact runs on VS Code, Web. Very Good Security runs on Web, API.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Very Good Security starts at $1000/month.
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 Very Good Security is typically brought in for.
What can Refact do that Very Good Security cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Very Good Security covers Aliasing proxy, PCI scope reduction, Network tokenisation, Processor optionality.

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
Very Good Security: Does VGS make me PCI compliant?

No. It removes cardholder data from your systems so your assessment covers a far smaller boundary, but you still complete an assessment and your integration is part of it.

Refact: Can I deploy Refact on-premises?

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

Source
Very Good Security: Can I move to another processor without re-collecting cards?

Yes, that is a core reason people buy it. The vault reveals stored credentials to whichever processor you route to.

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
Very Good Security: What does it cost?

Published entry pricing is about one thousand US dollars per month; growth and enterprise tiers are quoted.

Very Good Security: Is it only for card data?

No. The proxy handles any sensitive field, including bank details, national identifiers and documents, though payments is where the product is now focused.

Share

Related pages

More on Refact

More on Very Good Security

Keep looking

Other head to heads