Sift Alternatives for Fraud Prevention (2026)

The best Sift alternatives in 2026 are Runtime, Forter, Signifyd, Sardine, SEON, and Feedzai. Ecommerce merchants that want a guarantee usually look at Forter or Signifyd, fintechs that also need KYC and AML look at Sardine or SEON, and banks look at Feedzai. Runtime is the AI agent harness for payment and fintech teams: it does not score fraud, it works the cases any of these tools send to review.

We make Runtime, so weigh our pick accordingly. Vendor facts below come from each vendor's own site or announcements.

Why teams look for Sift alternatives

Sift is a proven product. It processes more than 1 trillion events a year, covers payment fraud and account abuse, and has added the Attack Detection Agent to group attacks into investigations. Teams compare it for reasons of fit, not quality:

• Fit. Merchants that want someone else to carry chargeback liability look at guarantee models. Regulated fintechs need KYC and AML, which Sift does not list.
• Scope. Sift decides on the events you send it. Cases that need the ledger, processor, or support history leave the console.
• Deployment. Sift is hosted. Banks with on-premise requirements look at bank-focused vendors.
• Pricing model. Sift does not publish pricing.

At a glance

The best Sift alternatives

Runtime

Runtime is the AI agent harness for payment and fintech teams. It keeps your fraud scoring and puts agents on what comes after it. Agents run on isolated computers in your cloud, pick up cases from the review queue, check the processor, ledger, chargeback history, and support tickets, and draft the decision with evidence. A person approves before a payout is released, then the agent writes the decision back to your fraud tool.

Best for: fintechs whose fraud cases spill into support, payment ops, and finance. Strengths: your cloud and your models; approvals and a full record per run; agents built from your SOPs. Watch out for: it is not a scoring engine. Keep Sift or another platform for detection.

Forter

Forter is a fraud, payments, and disputes platform for digital commerce, built on a network of more than 2 billion identities. Its products cover fraud management, payment optimization, dispute management, account protection, and abuse prevention, with named agents for analytics, payments, disputes, abuse, and integration. Forter contractually guarantees approval and chargeback rates. Customers include Adidas, eBay, and Instacart.

Best for: enterprise ecommerce, marketplaces, and travel. Strengths: guaranteed rates; disputes and payment optimization in one platform; very large merchant network. Watch out for: built for merchants, with no AML or KYC products.

Signifyd

Signifyd is a commerce protection platform that makes decisions across the shopper journey, from session to returns. Products include Session Intelligence, Account Integrity, Purchase Optimization, and Returns Assurance, and it offers a 100% financial guarantee on approved orders. It charges a percentage of the order total when an order is approved. Customers include Philips and Mango.

Best for: ecommerce merchants that want fraud liability shifted off their books. Strengths: order guarantee; pricing tied to approved orders; returns abuse coverage. Watch out for: ecommerce only, with no AML, KYC, or bank-side products.

Sardine

Sardine is an agentic financial crime platform covering onboarding (KYC and KYB), fraud, and AML. It lists ten AI agents, including Transaction Monitoring, Graph Analyst, and SAR Generation, and runs the Sonar consortium. Customers include FIS, Nubank, Gusto, and Deel.

Best for: regulated fintechs and banks that want fraud, KYC, and AML from one vendor. Strengths: broad scope; ready-made risk agents; device intelligence and consortium data. Watch out for: more platform than a commerce merchant needs. Pricing is not published.

SEON

SEON combines fraud prevention and AML using more than 1,100 first-party data signals: digital footprint, device intelligence, behavioral biometrics, ID verification, AML screening, transaction monitoring, and case management. Customers include Plaid, Revolut, and Afterpay.

Best for: mid-market fintech, lending, iGaming, and marketplaces. Strengths: published pricing, from $699 per month for 2,500 fraud checks; an average 14-day implementation; fraud and AML together. Watch out for: AML and case management sit on the custom Premium plan. No chargeback guarantee.

Feedzai

Feedzai is a fraud and financial crime platform for banks, processors, and acquirers. It covers transaction, new-account, and scam fraud, identity verification, and AML, and in September 2026 launched Farol, an agentic investigator with SAR drafting. Customers include Mastercard, Fiserv, and CaixaBank.

Best for: banks and payment processors. Strengths: bank-grade scale; cloud or on-premise deployment; fraud and AML on one platform. Watch out for: built for financial institutions, not online merchants.

Where Runtime enters the picture

Every platform here reduces how many cases need a human, and most now help analysts move faster inside their own console. The cases that remain are the expensive ones. A payout is blocked as suspected account takeover. Support has an angry customer, payment ops needs to know whether to release the funds, finance has a break, and the fraud analyst needs processor history and the last three tickets to decide. Each team looks at the same payout in a different tool.

Runtime is the AI agent harness for payment and fintech teams. The agent picks up the case from Sift's queue or webhook, investigates across the processor, ledger, and help desk, drafts accept, block, or hold with the evidence, and posts it to Slack or Teams for approval. Then it writes the decision back to Sift, updates the ticket, and keeps one record of the whole case.

• No single vendor to depend on. Agents run in your AWS, GCP, or Azure account or fully self-hosted, on your choice of sandbox provider with fallbacks, using Claude, GPT, Gemini, or open-weight models, with harness routing across Claude Code, Codex, and OpenCode.
• Guardrails you set. Read-only by default, approvals before a payout is released or a reserve applied, RBAC, masked credentials, card numbers stripped from prompts and logs, every run recorded.
• Built for teams. Fraud, support, payment ops, finance, and compliance share agents, templates, and one memory, including every false positive resolved.
• An engineer, not an account executive. A forward-deployed AI engineer with a payments background from Hulu's payments team at Disney, Finix, Modern Treasury, or BlackRock builds the first agents with your team.

Describe the jobConnect your tools, even legacy onesKeep a human in the loopNo single vendor to depend onOne memory across teamsEvery run is stored

[::]New agent

Create a banking ops agent that handles RFIs, hold-harmless requests, and returns of funds from our partner bank, verifies against our ledger, and drafts replies for my approval.

Describe the agent you want

Agent ready

bank-ops-agent

Tools picked from your prompt

EmailLedgerSFTPMastercard

Rain replaced $250k in vendor spend with Runtime.

How to choose

• Stay on Sift if payment fraud and account abuse are the main problem and its network and decisioning fit your volume.
• Choose Forter or Signifyd if you sell online and want a guarantee on approvals or chargebacks.
• Choose Sardine if you are a regulated fintech that needs fraud, KYC, and AML together.
• Choose SEON if you want fraud and AML in one product with a published entry price.
• Choose Feedzai if you are a bank or processor that needs on-premise deployment.
• Choose Runtime if your review queue keeps growing and reviewers keep leaving the fraud console to check other systems. It runs alongside any of the above.

Frequently asked questions

What are the best Sift alternatives?

Forter and Signifyd for ecommerce merchants that want contractual guarantees, Sardine for fintechs that need fraud, KYC, and AML together, SEON for mid-market teams that want published pricing, Feedzai for banks and processors, and Runtime for agents that work the review queue across every payment team.

Which Sift alternatives offer a chargeback guarantee?

Forter contractually guarantees approval and chargeback rates, and Signifyd offers a 100% financial guarantee on orders it approves. Sift, Sardine, SEON, and Feedzai do not advertise a chargeback guarantee.

Is there a Sift alternative with public pricing?

SEON publishes a Starter plan at $699 per month for 2,500 fraud checks, with a custom Premium plan. Runtime publishes Free, Teams from $99 per seat per month, and custom Enterprise. Sift, Forter, Sardine, and Feedzai do not publish pricing, and Signifyd charges a percentage of approved order value that varies by business.

Can Runtime replace Sift?

No. Runtime does not score events. It runs agents that investigate the cases Sift sends to manual review, across your ledger, processor, and tickets, and write the approved decision back to Sift through its APIs.

Where does Runtime fit next to Sift?

Runtime is the AI agent harness for payment and fintech teams. Sift scores and decides; Runtime agents take the cases that need judgment, gather evidence from systems Sift does not see, draft the decision, and wait for a person to approve anything that moves money.