Accertify Alternatives & Competitors

Best Accertify Alternatives 

Company	Core Features	Notable Clients	Summary
SEON	• digital profiling • whitebox AI transaction monitoring • preset industry + customizable rules • email, IP + phone data enrichment analysis • advanced device fingerprinting • AML compliance module	Revolut, Air France, Kindred	Payment fraud security, modern ID verification via data enrichment and AML modules with a free plan available.
Nethone	• seamless, quick integration • supports 3rd party API plugins • fully explained risk scoring • up-to-date user profiling  • dedicated Data Scientist per account	Booksy, ING, Bitcan	Strong user profiling in fraud prevention
Ekata	• IP, email + phone analysis • physical address risk API • 10+ years of historical data  • advanced manual review support API • graph visualization	AliPay, Microsoft, Airbnb	Complete identity platform with graph visualization capabilities
TruValidate (Iovation)	• transparent 2FA • skip tracing database • options for different needs • flexible ID verification • consultancy service	Upwork, Nike, Western Union	Multiple ID  verification methods, plus fraud prevention
ThreatMetrix (LexisNexis)	• on-premise deployment • large IP database • graph visualization • advanced device identifiers • taps into the LexisNexis Risk Solutions network	TripAdvisor, TD Bank, GoPro	On-premise or cloud-based risk management

What Does Accertify Offer?

Following its humbler beginnings as a startup, Accertify was acquired by American Express in 2010, for a cool $150 million. 

Going from strength to strength ever since, it now boasts among its customers well-known brands from across the spectrum of commercial activity, with a special focus on ticketing, financial services, and ecommerce – such as Southwest Airlines, Ticketmaster, Greyhound, and Ubisoft. 

Accertify’s products include digital identity, fraud management, chargeback management, payment gateway, SCA optimization, and device intelligence solutions to “solve your digital identity and financial fraud risks”, to use their own words. 

To achieve this, the Chicago-based fraud prevention vendor utilizes machine learning and heuristic models that study particulars such as shoppers’ IP address, BIN data, device information, and more, to generate detailed reports in real-time. There are also ample data extraction options.

Additionally, Accertify boasts a great team of fraud analysts working behind the scenes for its customers – who are supported 24/7, in several languages. 

Why Look for an Accertify Alternative?

One major reason why people look for Accertify alternatives is that although it plays well with American Express products, it doesn’t always do the same for other solutions in your IT stack. 

Moreover, some existing users have noticed stability issues with the software, as well as some bugs.

However, even if the above isn’t relevant to you, it’s never a bad idea to keep an eye out for innovation. It is possible that one of the vendors below suits your needs better – take a look!

Five Accertify Alternatives 

Before you start going through the Accertify alternatives we’re presenting below, take a second to consider what is most important to you in a fraud prevention solution.

Accertify has a wide variety of solutions available, but which ones do you actually use? Could you benefit from a more targeted approach? Or would you actually prefer your platform of choice to target even more of your needs?

Keep this as well as all your other requirements in mind, and let us go into specifics.

SEON  

Features & Use Cases

SEON started its life in 2015 and today has offices on three continents: London, Bucharest, Austin, TX, and Jakarta. 

The fraud-fighting company was created to fill what founders Tamas Kádár and Bence Jendruszák saw as a gap in the market, since they could not find a platform to address their own needs when it comes to stopping bad actors.

Central to the SEON offering is the concept of digital footprint analysis. A reverse lookup module allows customers to find out troves of information about any given user, starting with just their email address or phone number. 

Though this data is not private, it is very helpful in assessing whether it belongs to a legitimate person or is a fake or synthetic identity assumed by a fraudster. 

This data enrichment functionality is available to use manually or as part of SEON’s end-to-end solution, which examines several additional parameters for each user to help thwart fraud, including device fingerprinting, behavior analysis, IP analysis, and velocity checks. 

A risk profile for each user, complete with a detailed risk rating, is generated, triggering machine-learning-powered rules or aiding manual reviews.

For companies that are regulated under AML rand KYC rules, SEON also lets you check PEP lists, sanction lists and crime watchlists in the same intuitive and agile way.

Companies that use SEON’s fraud prevention solution include Patreon, Xcoins, and FairMoney, while it targets every sector with fraud prevention needs, including fintech, ecommerce, and ticketing. 

Nethone

Features & Use Cases

Hailing from Poland and founded in 2016, Nethone deals in business analytics and fraud prevention as well, and places machine learning and knowing your users at the core of its offering.

The main anti-fraud solution provided by Nethone is called Profiler. This module collects different attributes for each user’s session – more than 5,000 according to the company – including location, behavior, device data, keystrokes, and so on.

From there, a user profile is created, which helps to assess the likelihood of them being a bad actor or, more specifically, likely to attempt chargeback, friendly fraud, or a number of other schemes.

There is also Nethone Guard, a more comprehensive end-to-end solution.

Account takeover prevention is also a selling point for this vendor, whose internal figures suggest over 95% of ATO attempts are stopped. 

Nethone employs strong fingerprinting algorithms and is easy to integrate, per the reviews. However, some would also like to see some data enrichment capabilities.

Among the customers that entrust Nethone with their online safety are Booksy, ING and Bitcan. The company primarily targets the ecommerce, digital services, travel and digital lending market sectors.

Ekata

Features & Use Cases

Ekata is to Mastercard what Accertify is to American Express. More simply put, Ekata was another fraud prevention startup eventually acquired by a major credit card operator, joining the prestigious ranks of its suite of products.

In this case, however, Ekata was founded all the way back in 1997, initially as Whitepages. Mastercard cashed out $850 million for the company in April of 2021, “to advance Digital Identity efforts”, per their press release.

When it comes to features, what Ekata’s solutions do involves providing peace of mind to the merchant whenever a customer signs up or attempts a transaction. There are also useful tools such as the Address Risk API, which validates physical addresses across the world. 

Conveniently, these are offered as seven modular APIs. Ekata claims to integrate well with other vendors’ fraud management solutions in a customer’s stack, since it positions itself primarily as an identity verification provider rather than an anti-fraud platform. 

As for any shortcomings, it should be noted that Ekata’s pool of data, though being vast, is aggregated from previous queries, so it can sometimes be stale. Those who require access to live, fully up-to-date information might want to look elsewhere.

In general terms, Ekata’s offering is aligned with the ecommerce, financial services, and the payment industry, with its customer roster including Equifax, and Lyft. 

TruValidate (Iovation)

Features & Use Cases

Formerly known as Iovation, TruValidate is owned by consumer credit reporting giant TransUnion. Yet, in one guise or another, this fraud fighting solution has been around since 2004, providing strong device fingerprinting.

Behind TruValidate’s promise to boost trust between consumers and businesses who are transacting online are identity proofing, risk-based authentication, and fraud analytics algorithms. 

Sourcing information from a dataset that spans the entire globe, this fraud fighting tool provides bank verification, card verification, identity verification, email verification, device risk assessment, document verification & facial recognition, phone verification, and fraud alerts. 

As one might expect due to its links to TransUnion, TruValidate is just part of a suite of B2B solutions that help enable trust in the online world, and thus it can be a little difficult for interested parties to navigate the options and avoid any upselling efforts. 

In terms of customer reviews, there is ample praise as well as some negatives being pointed out, with the latter including past reports of companies being able to game the system for their own benefit, which also affects compliance. We are not aware of whether such issues persist, but it would be good to look into this before committing.

Iovation/TruValidate was known to be particularly popular with online gambling/iGaming brands in the past, but as part of the TransUnion offering, it has expanded further to allow companies of various types to separate the wheat from the chaff when it comes to good customers. 

ThreatMetrix (LexisNexis)

Features & Use Cases

Last on our list is yet another company that underwent an acquisition fairly recently: ThreatMetrix. In 2018, it joined the big LexisNexis family of legal, tax, compliance and business products, and is now delivered as one of the LexisNexis® Risk Solutions – though it started off back in 2005 in Australia.

This solution focuses on user identification and transaction authentication, by studying behavior analytics, recognizing returning customers, and providing analysts and business owners with a dynamic decision platform that offers a wealth of data, including graph visualizations. 

The promised results are a boost in the accuracy of customer risk assessment, a decrease in false positives, and a drop in fraud events.

As expected, ThreatMetrix integrates very well with other LexisNexis products a company may already be using or considering, such as Emailage and Voice Biometrics. However, it is unlikely to work as well with other vendors’ solutions.

In terms of possible negatives, there is no free trial, while the solution is very unlikely to expand its functionality moving forward, considering there is already a wealth of complementary products within the same huge suite. 

ThreatMetrix prides itself in serving 5,000 brands from around the world when it comes to matters of trust and identity – including TripAdvisor and GoPro. It’s popular with iGaming, alternative payments, and financial service brands, and also comes with separate versions for healthcare, insurance, and for governments. 

How to Choose an Accertify Alternative

When setting off to choose an Accertify alternative, never forget to ask for information about how it can address and resolve your particular pain points – based on your industry, fraud history, and even your preferences and risk appetite.

Hopefully, this guide has been a good starting point to selecting the one that suits you best.

FAQ for Accertify Alternatives

Further Reading

Learn more about:

Browser Fingerprinting | Device Intelligence | Device Fingerprinting | Digital Footprint

Try our free tools:

BIN Lookup | IP Lookup | Reverse Email Lookup | Reverse Phone Lookup | Social Media Lookup