How do I choose between ten European fraud detection tools?
Start with what you are protecting, because the ten tools split into four groups that rarely overlap. SEON, Ravelin, Trustfull, Oneytrust and Nethone target online businesses that need to judge signups, logins and checkouts. Fraudio is built for acquirers, issuers and payment service providers that want a score per transaction through one API. Feedzai and Cleafy are sold to banks and e-wallet providers, and FRISS and Shift Technology are sold to insurers.
Inside the first group the deciding question is how much you want to build yourself. Trustfull sells individual signals and leaves the scoring logic to you, SEON bundles signals, rules, AML screening and case handling, and Ravelin trains a custom model on your own history, which only pays off once you have enough labelled orders. Nethone is the device-and-behaviour specialist, and Oneytrust adds identity checks and a support team for retailers and lenders.
What do European fraud detection tools cost, and can I compare prices?
Only three of the ten publish anything. SEON lists Starter at $699 per month, in US dollars, with a cap of 2,500 checks and 10 users, and Premium on request.
Trustfull lists a euro price per check, from EUR 0.01 for a session up to EUR 0.50 for a domain check, so 10,000 session checks come to EUR 100 and 10,000 phone checks to EUR 600 at list prices. Fraudio is pay-per-use and quotes by monthly transaction volume through a calculator.
Ravelin, Oneytrust, Feedzai, Cleafy, Nethone, FRISS and Shift Technology all say pricing on request, which in this market usually means a volume-based contract negotiated after a demo. Ask each vendor for the unit price per scored event, the minimum annual commitment and what an extra module such as AML screening costs, because those three numbers decide the comparison.
Which jurisdiction and compliance questions come with each provider?
Eight of the ten contracting entities sit in the EU: SEON Technologies Kft. in Hungary, Fido S.p.A. for Trustfull and Cleafy S.p.A. in Italy, Oneytrust S.A.S. and Shift Technology SAS in France, Feedzai in Portugal, Fraudio B.V. and FRISS Fraudebestrijding B.V. in the Netherlands.
Nethone is operated by Mangopay S.A. in Luxembourg, which its legal notice describes as an electronic money institution approved by the CSSF. Ravelin Technology Ltd is in London, so it depends on the UK adequacy decision rather than being directly under EU law.
Group structure matters as much as the headquarters. SEON uses a US affiliate for its Data Privacy Framework certification, Ravelin has had a US office since 2019, Feedzai's privacy policy mentions an Australian entity and Shift Technology lists offices in Boston and Tokyo. None of these facts disqualifies a vendor, but each is a question for your data processing agreement: which entity processes your data, and where.
How do I move away from Sift without losing protection?
Sift is operated by Sift Science, Inc. of San Francisco, and its terms are governed by California law, which is the contractual reason many European buyers look elsewhere. SEON, Ravelin, Trustfull, Oneytrust, Feedzai, Cleafy, Fraudio, Nethone, FRISS and Shift Technology all list Sift among the tools they can replace, but the replacement is never one for one. Sift customers feed events and chargeback outcomes into a score; any new vendor needs the same event history before its model is useful.
The safest pattern is to run the new tool in shadow mode next to the old one, compare decisions on a month of real traffic, and only then switch the blocking decision. Tools with a rules engine, such as SEON, Ravelin and Trustfull, let you reproduce your current thresholds immediately. Ravelin's custom model and Fraudio's shared model behave differently at the start, so plan a review period for each.
When is a European fraud tool the wrong choice?
It is the wrong choice when the tool is built for a different buyer. Cleafy watches banking sessions from pre-login to payment, Fraudio sells to payment companies rather than merchants wanting a review dashboard, and FRISS and Shift Technology only handle insurance claims and applications. A web shop that picks one of those because it is European will find no checkout integration to switch on.
It is also the wrong choice when you lack the volume to feed the model. Ravelin says its custom models are trained on a merchant's own data, so a young shop with few labelled orders gains little. Oneytrust describes a consortium database of French consumers, which helps for French retail but says less about customers elsewhere. For a small team the signal-per-check model of Trustfull, or the Starter plan of SEON, is the cheaper way to test before committing.
How do these tools connect to my shop, app or core system?
SEON lists a web dashboard and an API, with Shopify and AWS integrations. Trustfull is an API plus a dashboard, and its silent checks run in the background so a genuine customer sees no extra step. Ravelin offers a dashboard, an API and SDKs, Nethone covers web, mobile and API integration, and Cleafy observes web, mobile and API sessions at banks.
Fraudio is API only, with responses stated by the vendor to come back in under 100 ms, so it fits a payment flow but offers no case-review screen of its own. FRISS and Shift Technology are SaaS platforms that connect to an insurer's claims system. Before choosing, ask each vendor how a decision is returned to your checkout and how chargebacks or confirmed fraud cases flow back to train the model.
