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Developer Tools · head to head

Refact vs Zeta

Refact logo

Refact

Developer Tools

Autonomous AI coding agent for development tasks

From
Free
Free plan
Yes
Full reviewWebsite
Zeta logo

Zeta

Technology

Cloud native credit card processing and core banking from Bhavin Turakhia's Zeta

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; Zeta it competes against card processors with decades of production track record, and in card processing an outage is a public event, so a shorter operational history is a genuine risk factor rather than a technicality.
  • They diverge on capability: Refact covers Autonomous agent workflows, Zeta covers Tachyon card processing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Refact and Zeta actually diverge.

Attributes where Refact and Zeta differ
AttributeRefactZeta
Starting priceFreeOn request
Pricing modelFreemium with paid tiersquote
Free tierYesNo
PlatformsVS Code, WebWeb, API, Cloud, iOS, Android
CategoryDeveloper ToolsTechnology
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 Zeta

  • Tachyon card processing
  • Real time authorisation
  • Rewards and offers engine
  • Core banking modules
  • Programme configuration
  • Mobile and web SDKs
  • Fraud and controls
  • Cloud deployment

What people use each for

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

Refact

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

Zeta

  • A United States bank whose card platform makes launching a new rewards product a multi quarter vendor projectnot Refact
  • An issuer that wants authorisation level controls and real time data rather than end of day filesnot Refact
  • A large fintech launching a credit card programme at scale with custom product logicnot Refact
  • A bank consolidating card and deposit processing onto one modern platformnot 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

Zeta

  • It competes against card processors with decades of production track record, and in card processing an outage is a public event, so a shorter operational history is a genuine risk factor rather than a technicality.
  • Contracts are enterprise scale and quoted with volume minimums, which puts it out of reach of small issuers who would otherwise benefit most from modern tooling.
  • A card portfolio migration runs twelve to twenty four months at minimum, during which the issuer runs two platforms and pays for both.
  • Zeta is a processor rather than a licence holder, so network membership, BIN sponsorship and regulatory obligations remain entirely with the issuer.
  • Public references for large live United States production volumes are fewer than the announcements imply, so diligence should insist on active account counts and uptime history rather than partnership press releases.

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

Zeta

On request
  • Tachyon platform$undefined/year
    • Quoted per institution, commonly on active accounts or transaction volume
    • Implementation for a card portfolio migration measured in quarters to years
    • Minimum volume commitments typical on enterprise contracts

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 Zeta if

  • You need tachyon card processing.
  • You work on Web, API, Cloud, iOS, Android.
  • You also want real time authorisation.
Zeta review

Questions people ask

Is Refact or Zeta better?
Neither clearly leads. Refact starts at Free and Zeta at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Refact or Zeta?
Refact has a free tier; the other does not. Paid plans start at Free for Refact and On request for Zeta.
Does Refact or Zeta run on more platforms?
Refact runs on VS Code, Web. Zeta runs on Web, API, Cloud, iOS, Android.
Can I use Refact for free?
Yes. Refact has a free tier, so you can try it without paying. Zeta 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 Zeta is typically brought in for.
What can Refact do that Zeta cannot?
Refact covers Autonomous agent workflows, IDE chat, Real-time code completions, GitHub integration. Zeta covers Tachyon card processing, Real time authorisation, Rewards and offers engine, Core banking modules.

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
Zeta: Which Zeta is this?

The banking technology company founded by Bhavin Turakhia, which builds the Tachyon card processing and core banking platform. Not any similarly named payroll or accounting product.

Refact: Can I deploy Refact on-premises?

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

Source
Zeta: What is its strongest use case?

United States credit card issuing and processing, where legacy platforms make product changes slow and expensive.

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
Zeta: Does Zeta provide the BIN or licence?

No. It processes. Network membership, BIN sponsorship and regulatory obligations stay with the issuer.

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