European Alternatives to Sift
Looking for a European alternative to Sift? Sift is operated by Sift Science, Inc. of San Francisco, its Terms of Service are governed by California law with disputes heard in San Francisco, and fees are set per Order Form because no pricing page was readable on 23 October 2026, which makes costs hard to compare in advance.
The European fraud tools below are run by companies in the UK, Hungary, France, Italy, Portugal, the Netherlands and Luxembourg, and several of them publish a starting price or quote through a local sales team.
How we rank these tools — 4-step process
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1
European ownership, verified
The company is headquartered and incorporated in the EU, EEA, the UK, Switzerland or Israel, and processes customer data in Europe or Israel. A US parent company disqualifies a tool from this page regardless of where its servers are.
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2
Category fit and hands-on review
What the tool actually does, who it suits, and where it falls short — checked against the vendor’s own documentation, changelog and pricing page rather than its marketing copy.
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Compliance and pricing check
GDPR posture, hosting location and the prices quoted on this page are verified against the vendor’s public pricing before publication, and re-checked when we revisit the category.
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Position on this page
Placement on this page can be paid, and that can affect which tools appear here and the order they appear in. It never buys a good review: a tool that fails the checks above is not here at any price, and payment does not change the shortcomings we write about. A vendor can ask us to correct a factual error — not to remove a criticism.
Vendors can pay for visibility on this page. It never changes what an entry says about a product, including the criticism, and we earn nothing when you click through to a vendor. Paid placement can affect which tools appear here and the order they appear in. Editorial policy
10 European Alternatives to Sift
SEON
Fraud checks and AML screening on one 1,100-signal platform
Ravelin
Custom ML scoring, graph networks and rules for online merchants
Trustfull
Pay-per-check phone, email, IP and session risk signals
Oneytrust
Payment and identity fraud scoring for European retailers and banks
Feedzai
Real-time fraud and AML platform for banks and issuers
Cleafy
Session-level fraud detection for digital banking channels
Fraudio
Pay-per-use payment fraud scoring for acquirers and PSPs
Nethone
Device and behaviour profiling, sold under Mangopay
FRISS
Claims and underwriting fraud scoring for P&C insurers
Shift Technology
AI agents for insurance fraud and claims handling
Key takeaways
- Sift is operated by Sift Science, Inc. of San Francisco, and its Terms of Service (last updated 20 April 2026) are governed by California law with litigation in San Francisco.
- Sift's fees are whatever the Order Form states, subscriptions renew for twelve months unless 60 days' notice is given, and the customer waives the right to terminate for convenience.
- Sift says it has fought fraud since 2011, serves over 700 customers and sees more than a trillion events a year, which is a larger data network than any single European vendor claims.
- SEON (Hungary) publishes a $699 monthly Starter plan and Trustfull (Italy) publishes euro prices per check, while seven of the ten alternatives sell on request only.
- FRISS and Shift Technology serve insurers and Feedzai and Cleafy serve banks, so only six of the ten alternatives fit a typical online shop or marketplace.
Why people leave Sift
Sift sells fraud decisions to digital businesses: a score for each signup, login, order or payout, plus workflows to review and block.
The company says it has been fighting fraud since 2011, serves more than 700 customers and learns from over a trillion events a year. Its products are Payment Protection, Account Defense, the Sift Score API and Expert Services, with an Attack Detection Agent announced on the home page. That reach is real, and it is the standard every European tool below is measured against.
The contracting party is Sift Science, Inc. The Terms of Service, last updated on 20 April 2026, are governed by California law, and any litigation is submitted to a court in San Francisco.
The website privacy notice describes a SaaS company based in San Francisco whose facilities are in the United States, with the Standard Contractual Clauses as the transfer mechanism. For a European buyer that is the first, quiet reason to look at alternatives: the paperwork lives in another legal system.
The second reason is commercial. No pricing page was readable when we checked on 23 October 2026, and the terms say fees are whatever the Order Form states. You find out the price after a sales conversation, and the terms then bind you to it for a year at a time. People searching for a European option are often comparing exactly that: a published unit price, a contract they can read, and a vendor in their own time zone.
- The contract is American and the courtroom is San Francisco Section 12.5 of the Sift terms applies the laws of the State of California and sends any litigation to a court in San Francisco. A European company that signs the Order Form accepts that venue for a dispute about its fraud decisions. The European tools on this page contract under Hungarian, Italian, French, Dutch, Portuguese, Luxembourg or UK law, which is where your lawyers, your auditor and your supervisory authority already operate.
- Fees live in the Order Form, not on a page The terms define fees as the amounts stated on an applicable Order Form, payable within 30 days of invoice. Sift's pricing page returned an error when we tried it, so the cost of a pilot cannot be compared in advance. Against that, Trustfull lists euro prices per check, SEON lists a Starter plan at $699 per month and Fraudio offers a pricing calculator. Seven of the ten tools below also say pricing on request.
- Twelve-month renewals with a 60-day notice window Unless the Order Form says otherwise, Sift subscriptions renew for another twelve months unless either party gives written notice at least 60 days before the term ends. The terms also have the customer waive any right to downgrade or terminate for convenience. If your volume drops or a rival model performs better in a pilot, you cannot leave early. Check the renewal clause of any replacement, because several vendors on this page sell only on annual contracts.
- Your events feed a model shared with other customers Sift's terms say its models may use your data alone or in combination with data from other customers, and customers must keep sending chargeback outcomes. That pooled learning is part of why the product works, and part of what a European privacy officer wants to examine. Ravelin, Fraudio, Cleafy and Oneytrust also pool signals across customers, so the question is not whether a network exists but who controls it and under which law.
What you have to replace, not just match
Replacing Sift means replacing a decision loop, not only a score. Your code sends events and receives a risk score; your analysts work a review queue; your payments team sends chargeback and fraud confirmations back so the model improves. Every European vendor needs the same three flows rebuilt against its own API, and the quality of the first weeks depends on how much labelled history you can supply.
Which product you replace decides which vendor fits. Payment Protection maps to SEON, Ravelin, Oneytrust, Nethone or Fraudio, depending on whether you are a merchant or a payment company. Account Defense, the takeover and fake-signup side, maps to Trustfull, SEON and Nethone, which score devices, emails and phones before a customer is trusted. Sift's dispute management service has no direct match in the ten tools, so a chargeback workflow may need a separate answer.
Rules and workflows also have to move. Sift users write automation and routing rules around the score, and those need translating to the rules builder of the new tool. SEON, Ravelin and Trustfull all ship a rules engine next to the model, which makes the translation a configuration job rather than a code change. Plan for a period in which both tools score the same traffic.
The alternatives compared
| Position | Tool | Headquarters | Pricing | Jurisdiction |
|---|---|---|---|---|
| #1 | SEON | Budapest, Hungary | Starter $699 per month (2,500 fraud checks, 10 users, 50 custom rules); Premium on request | EU (Hungary) |
| #2 | Ravelin | London, United Kingdom | Pricing on request | United Kingdom (adequacy decision, outside the EEA) |
| #3 | Trustfull | Italy | Pay as you go: Session EUR 0.01, IP EUR 0.03, Phone EUR 0.06, Email EUR 0.06, Onboarding EUR 0.40, Domain EUR 0.50 per check; Enterprise on request | EU (Italy) |
| #4 | Oneytrust | Croix (Lille), France | Pricing on request | EU (France) |
| #5 | Feedzai | Coimbra, Portugal | Pricing on request | EU (Portugal) |
| #6 | Cleafy | Milan, Italy | Pricing on request | EU (Italy) |
| #7 | Fraudio | Amsterdam, Netherlands | Pay-per-use, quoted by monthly transaction volume; pricing calculator on the site | EU (Netherlands) |
| #8 | Nethone | Luxembourg | Pricing on request | EU (Luxembourg) |
| #9 | FRISS | Utrecht, Netherlands | Pricing on request | EU (Netherlands) |
| #10 | Shift Technology | Paris, France | Pricing on request | EU (France) |
How each alternative compares to Sift
Best for: Online businesses that want scoring, rules and AML screening in one product with a visible entry price.
SEON covers the same ground as Sift's payment and account products: it checks an email, phone and IP at signup against a digital footprint, adds device intelligence and runs rules next to an AI score. A workflow builder chains these into onboarding journeys, so a team used to Sift's automation will find the concept familiar.
The difference is breadth and price transparency. SEON adds AML customer and payment screening and identity verification, and publishes Starter at $699 per month for 2,500 checks, 10 users and 50 custom rules. Premium is on request, and the company is SEON Technologies Kft. in Budapest, with a US affiliate for its Data Privacy Framework certification.
What SEON does better than Sift
- Publishes an entry price where Sift does not
- Adds AML screening and identity checks to the fraud score
- Hungarian controller named in the privacy policy
- Can be tested on a small plan before a long contract
Where SEON is a step down from Sift
- Far smaller event network than Sift's claimed trillion a year
- Starter is capped at 2,500 checks per month
- No dispute management service seen
Standout against Sift. SEON is the only European tool here where scoring, AML and a published price come in one package.
Best for: Retail, travel and marketplace merchants with enough order history to train a model of their own.
Ravelin answers the "black box" complaint some Sift users have. Each merchant gets a model trained on its own history plus consortium data, with a transparent 0-100 score and a rules engine beside it. Ravelin Connect draws a graph of linked customers, devices and accounts, which helps against rings that Sift users would otherwise chase by hand.
It also covers the abuse types Sift sells separately, namely refund abuse, promo abuse and account takeover. Ravelin Technology Ltd is in London, so it sits under UK law, not EU law, and the UK adequacy decision covers transfers. Pricing is on request and the model needs enough labelled history before it beats a generic score.
What Ravelin does better than Sift
- Custom model trained on your own data
- Graph view of linked accounts and devices
- Covers refund and promo abuse in the same engine
- Contract under English law instead of California law
Where Ravelin is a step down from Sift
- No public pricing, like Sift
- A new merchant must wait for the model to learn
- UK entity is outside the EEA
Standout against Sift. Ravelin is the only alternative here that trains a model per merchant and draws a graph of linked accounts.
Best for: Teams that want to buy individual risk signals and write their own decision logic.
Trustfull replaces the account-defence side of Sift rather than the whole platform. It returns signals on a phone number, email, IP, domain or web session, runs them silently in the background and lets you combine them in a no-code rule engine or a ready-made model. Nothing is shown to the customer, so signup flows stay as they were.
The commercial model differs sharply. Each check has a euro price on the pricing page, from EUR 0.01 for a session to EUR 0.50 for a domain, and a 15-day trial needs no credit card. Fido S.p.A. is the contracting entity, under Italian law with the Court of Milan as venue. There is no full case-management suite.
What Trustfull does better than Sift
- Euro price per check, no sales call needed
- 15-day trial without a credit card
- Silent checks add no friction for real customers
- Italian law and Milan courts instead of California
Where Trustfull is a step down from Sift
- Signals only, no review queue or case management
- Cost grows with every extra check per user
- No payment-fraud model comparable to Sift's
Standout against Sift. Trustfull is the only alternative here you can trial for 15 days and price check by check.
Best for: European retailers, luxury e-commerce and credit providers that want experts alongside the score.
Oneytrust takes the payment side of Sift and adds identity. Its score blends device, identity and behavioural data, a separate product checks that the account holder exists, and further products cover buy-now-pay-later fraud and refund and returns abuse. Sift users who sell on credit will notice that gap in the US vendor's main pitch.
Part of the offer is people: Oneytrust says its experts track organised attacks and report on them, which is closer to Sift's Expert Services than to pure software. The legal notice names Oneytrust S.A.S. in Croix, with registration number 429 121 866. Pricing is on request and the consortium data is French consumers.
What Oneytrust does better than Sift
- Dedicated BNPL and returns-fraud products
- Payment scoring and identity checks from one vendor
- French S.A.S. with a registry number in the legal notice
- Expert team included in the offer
Where Oneytrust is a step down from Sift
- Consortium centred on French consumers
- No self-serve trial seen
- No public pricing
Standout against Sift. Oneytrust is the only alternative here built around returns fraud and buy-now-pay-later credit risk.
Best for: Banks and issuers with analyst teams that outgrew an online-business tool.
Feedzai is where a Sift customer lands after becoming a bank or a large payment company. RiskOps joins fraud, scam prevention, identity protection and AML in a single environment, and an AI agent called Farol handles work on rules, alerts and suspicious activity reports. The references on its site are financial institutions, and the vendor says the European Central Bank selected it for the digital euro.
The privacy policy names Feedzai - Consultadoria e Inovacao Tecnologica, S.A. in Coimbra as controller, but the group has entities elsewhere, including an Australian one, so ask which entity signs your contract. Pricing is on request and the product is sized for large teams, not a start-up looking for a quick API integration.
What Feedzai does better than Sift
- AML and scam prevention alongside fraud
- Portuguese parent entity named as controller
- AI agent aimed at rules, alerts and SARs
Where Feedzai is a step down from Sift
- Aimed at large financial institutions, not small merchants
- Demo-led sales with no published price
- Group has non-European entities
Standout against Sift. Feedzai is the only alternative here that adds scam prevention and AML reporting for banks.
Best for: Banks and payment providers fighting account takeover and authorised push payment scams.
Cleafy looks at a banking session rather than at a score request. It follows web, mobile and API traffic from pre-login to payment, and it names account takeover, authorised push payment scams and live session manipulation as the attacks it targets. That is a different job from Sift's event scoring, so it fits a bank's fraud team more than a shop.
Cleafy S.p.A. in Milan says it was founded in 2014 and launched its SaaS in 2019, and attack patterns seen at one customer are shared with the others. BCC Iccrea Group is among its references. The autonomous Nyx features come without published benchmarks, and pricing is on request.
What Cleafy does better than Sift
- Watches whole sessions instead of single events
- Covers web, mobile and API channels
- Shared threat intelligence among banks
Where Cleafy is a step down from Sift
- Not designed for e-commerce checkouts
- No public pricing or trial
- Nyx claims lack published benchmarks
Standout against Sift. Cleafy is the only alternative here that watches the full banking session rather than individual events.
Best for: Acquirers, issuers and payment service providers that want a score without a long project.
Fraudio is the thinnest tool on the page and that is the point. A single API returns a score per payment, the vendor says in under 100 ms, with no stated setup cost and billing by usage. A payment company tired of negotiating an Order Form can read the pricing calculator, enter monthly transactions and get a quote.
Every customer uses one shared model, so patterns seen at one acquirer protect the next, but nobody gets a model trained on their own data. Extra products cover merchant-initiated fraud, AML, authorised push payment fraud and money mules. The contracting entity is Fraudio B.V. in Amsterdam, named in the terms and privacy policy.
What Fraudio does better than Sift
- Usage-based billing with a pricing calculator
- No stated integration or setup cost
- Dutch B.V. named in terms and privacy policy
- Money mule and AML detection beyond card fraud
Where Fraudio is a step down from Sift
- No per-merchant model
- No review dashboard for a merchant fraud team
- Built for payment companies, not shops
Standout against Sift. Fraudio is the only alternative here sold as a pure pay-per-use scoring API for payment firms.
Best for: Marketplaces already on Mangopay that need fake-account and payout fraud detection.
Nethone competes with the device and takeover part of Sift. Its profiler fingerprints devices, reads behaviour and uses more than 130 browser and mobile signals across registration, login, checkout and payout. An AI recommendation can be combined with your own rules, and a BlaBlaCar case study reports 70% of fraudulent cases caught in the initial stages.
The catch is ownership. The site is now branded Mangopay, a Luxembourg e-money institution approved by the CSSF, and the pages we read do not say which entity signs a fraud-only contract. If you are not a Mangopay customer, ask whether Nethone is still sold on its own before building a plan around it.
What Nethone does better than Sift
- Strong device and behavioural profiling
- Covers payouts as well as signups and checkout
- Luxembourg-regulated operator behind the brand
Where Nethone is a step down from Sift
- Brand folded into Mangopay, standalone status unclear
- No public pricing
- Smaller scope than Sift's product range
Standout against Sift. Nethone is the only alternative here sold by a payment institution beside its wallet infrastructure.
Best for: Property and casualty insurers that used Sift-style scoring and need claims-specific tooling.
FRISS is a replacement for Sift only if you are an insurer. It scores claims and policy applications, runs investigations, screens sanctions and PEP lists daily and checks documents for manipulated or AI-generated images and PDFs. The vendor reports 75% fewer false positives, a claim that comes from its own home page.
The company, FRISS Fraudebestrijding B.V. in Utrecht, says it was founded in 2006 and has over 300 implementations in more than 45 countries. It cannot score an e-commerce payment, a signup or a bank transfer, and it has no public price.
What FRISS does better than Sift
- Claims and underwriting scoring built for insurance
- Daily sanctions and PEP screening
- Document checks for manipulated files
Where FRISS is a step down from Sift
- Insurance only, no checkout or signup use
- Results are vendor-reported
- No public pricing
Standout against Sift. FRISS is the only alternative here with a media check for manipulated or AI-generated claim documents.
Best for: Large insurers and health payers that want fraud agents inside a wider claims platform.
Shift Technology belongs on this page because it lists Sift among the tools it replaces, but it serves insurers and health payers only. Its fraud and risk agents sit beside coverage, subrogation, injury and payment integrity agents, and an Insurance Data Network assesses claim history across carriers. AXA Switzerland is quoted on the site on spotting suspicious activity at first notice of loss.
Shift Technology SAS is in Paris and says it was founded in 2014, with offices that include Boston, Frankfurt and Tokyo. It states 120+ customers in over 30 countries, which are vendor figures. The product range is enterprise-sized and no price is published.
What Shift Technology does better than Sift
- Fraud agents inside a broader claims suite
- Cross-carrier data network for insurers
- French SAS named in the privacy notice
Where Shift Technology is a step down from Sift
- Insurers and health payers only
- Enterprise-scale, broad range to buy into
- No public pricing
Standout against Sift. Shift Technology is the only alternative here that sells fraud agents as part of a full claims-handling suite.
What actually breaks when you switch
The first thing that breaks is the integration. Sift's API receives events and returns scores, and your code, your review queue and your chargeback feed are written around that. Each European tool has its own event schema, so budget developer time for mapping fields, re-sending historical outcomes and handling timeouts. Fraudio and Trustfull are API-first and quick to call; SEON, Ravelin and Nethone add dashboards and SDKs that take longer to configure.
The second break is history. A model is only as good as the labelled data behind it, and exporting your past decisions from Sift for a new vendor is not a button you press at the last minute.
Ask for the export early, and make sure confirmed fraud and chargeback outcomes are sent to the new tool from day one. Contracts matter too: Sift renews for twelve months unless you give 60 days' notice, so set the date in your calendar before you start a pilot.
Will a European tool catch as much fraud as Sift?
Nobody can promise that without your data. Sift's advantage is scale: it says it processes more than a trillion events a year across over 700 customers, and a larger network sees more attack patterns early. No European vendor publishes a comparable figure, and the only benchmarks on their sites are vendor-reported, such as BlaBlaCar detecting 70% of fraudulent cases early with Nethone.
What you can do is test. Run the candidate in shadow mode on a month of real traffic and compare approvals, declines and chargebacks against Sift's decisions. Ravelin and SEON lean on your own data and rules, so they can match your thresholds quickly; Fraudio and Cleafy lean on a shared network, so their value depends on how many peers resemble you.
Is switching from Sift allowed in the middle of a contract?
Read your Order Form first. The standard terms renew a subscription for twelve months unless either side gives written notice 60 days before the end, and they waive the customer's right to downgrade or terminate a purchase for convenience. A normal exit therefore means diarising the notice date and running the new tool in parallel until the old term ends.
Use the overlap productively. Send the same events to both vendors, record which decisions differ and review the disagreements with your fraud team. By the renewal date you will know whether the replacement approves more good customers without letting more fraud through.
Which one to pick
If you run an online shop, marketplace or subscription service and want the nearest thing to Sift, shortlist SEON first, for its breadth and visible price, then Ravelin if you have enough order history for a custom model. Choose Trustfull when your pain is fake signups and takeover and you would rather buy checks one by one in euros. Retailers selling on credit or fighting returns abuse should test Oneytrust, and marketplaces on Mangopay should ask about Nethone.
If you are a payment company, pick Fraudio for a fast, pay-per-use score or Feedzai for a full fraud, scam and AML platform. Banks fighting session-level takeover and scam payments should test Cleafy. Insurers should look at FRISS or Shift Technology, and stay with Sift if you depend on its dispute management service or its network scale and cannot yet replace them.
Frequently Asked Questions
For an online business, SEON from Hungary is the closest all-round match, because it combines fraud scoring, rules, AML screening and a published $699 Starter plan. Ravelin from London suits merchants with enough order history to train a custom model, and Trustfull from Italy sells individual checks in euros. Banks and payment companies should look at Feedzai, Cleafy and Fraudio instead.
Not automatically, but it adds work. Sift Science, Inc. is a US company whose privacy notice puts its facilities in the United States and relies on the Standard Contractual Clauses for transfers. You need a data processing agreement, a transfer assessment and a view on US legal access, including the CLOUD Act, which a European processor under EU or UK law avoids by design.
Three. SEON lists Starter at $699 per month for 2,500 checks, Trustfull lists euro prices per check from EUR 0.01 to EUR 0.50, and Fraudio offers a pricing calculator based on monthly transaction volume. Ravelin, Oneytrust, Feedzai, Cleafy, Nethone, FRISS and Shift Technology quote on request, as Sift does.
No. FRISS and Shift Technology score insurance claims and applications for insurers, and neither offers a checkout or signup integration. Cleafy and Feedzai are likewise built for banks. Shops should shortlist SEON, Ravelin, Trustfull, Oneytrust and Nethone.
None of the ten states a data location on the pages we read, so ask each vendor for hosting regions and sub-processors in writing. That includes SEON, whose US affiliate handles Data Privacy Framework certification, and Feedzai, whose group has entities outside Europe.
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