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Compare SEON vs Accertify

Choosing the right fraud prevention platform is vital to success as it acts as a foundational base for your organization. This page will compare SEON with Accertify to help you choose the most suitable solution for your risk management and fraud prevention needs.

Disclaimer: Everything you’ll read in this article was gleaned from online research, including user reviews. We did not have time to manually test every tool. This article was last updated in Q1 2023. Please feel free to contact us to request an update/correction.

About Accertify 

Founded in 2007, Accertify is a US-based fraud prevention, chargeback management, and payment gateway solution provider.

The company offers a range of services varying from automated fraud detection products to hands-on professional services which look to support businesses with their entire fraud program, including chargeback management.

Accertify is an American Express-owned company with clients including StubHub, RyanAir, OFX, Arcadia, and Southwest Airlines.

Key Products

  • The company offers a range of services but its main fraud management platform features customizable rules, advanced machine learning models, and reporting availabilities as well as a sandbox environment to create potential scenarios. 
  • Their Digital Identity product looks to protect against account takeovers (ATO) through device fingerprinting, IP and geodata analysis as well as user behavior triggers. 
  • Its refunds abuse API has a risk score calculator based on user data with the availability of direct integrations with other fraud platforms. 
  • Accertify also offers an online payment gateway service that supports over 120 currencies, and includes payment optimisation as well as chargeback management.

Pros of Accertify
  • Their client success team is primarily composed of former fraud managers so there’s a direct understanding of the complexities your risk team will face each day.
  • Accertify’s acquisition by American Express means that the company can go beyond fraud prevention, offering a suite of full payment tools that include chargeback management.
  • While the company is US-centric, it has made efforts to help European customers, notably by focusing on SCA (strong customer authentication) to reduce payment friction.

Cons of Accertify
  • Although they offer a digital identity product, it does not utilize data enrichment or social media lookup which can lead to stale data.
  • Solutions integrate easier for those already working American Express products. Further innovation will have to appease more stakeholders and take more time.
  • Accertify is a big, powerful system that is not built with customization and flexibility in mind. For instance, you might have to raise support tickets to change a custom rule manually.
Compare SEON’s solution to Accertify

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SEON vs Accertify Features Comparison Table




Data aggregation
IP analysisYesYes
Email data enrichment YesYes via partners
Phone data enrichmentYesYes via partners
Find user social mediaYes, checks 50+ platformsNo
Device fingerprintingYesYes
BIN for transactionYesYes
Behavior trackingYes, via custom rulesYes
User authenticationYes via cookie and browser hashYes, including SCA
Risk analysis
Custom rulesYesYes
Machine learning suggestionsYesYes
Industry preset rulesYesYes
Risk scoreYesYes
API callsYesYes
Modular APIsYesNo
Custom API fieldsYesNo
Chrome extensionYes No
Manual queryYesYes
Graph visualizationNoNo
Team managementYesYes
Integration with other toolsYes Yes 
Chargeback guaranteeNoNo
Free integrationYesNo
Free supportYesYes
Free trialYesNo
Cost per monthSEON offers a full-featured free option. Paid tiers start at $299 depending on API usage.N/A. Contact their sales team for more info.

Where SEON wins Over Accertify

  • SEON is able to offer a cheaper, more flexible approach with no contracts and a pay-per-usage model suited for businesses with tighter margins.
  • Live email + phone social lookups offer more security when it comes to manual reviews and boosts revenue opportunities through more holistic customer profiles.
  • SEON is built with flexibility and customization in mind, allowing more freedom and agility for risk management teams, for instance when creating custom rules.

Where Accertify Wins Over SEON

  • Accertify is a fully established platform with years of data and multiple products aimed at minimizing the effort for large-scale enterprises.
  • The effectiveness of offering a payment gateway alongside fraud prevention products will be a big plus for some businesses with the ability to refund transactions in one system.
  • Accertify’s acquisition by American Express gives the company good insights into payment flows, which is useful for chargeback management.

SEON vs Accertify Conclusion

Choose SEON if
  • You need real-time data for user verification as well as more robust risk management features – especially when it comes to customizing risk rules to adapt to your business risk.
Choose Accertify if
  • You are a large-scale enterprise with a bigger budget looking for a solution that will handle account protection, payment and risk management via a complete suite of products.

Further Reading

Learn more about:

Browser Fingerprinting | Data EnrichmentDevice Fingerprinting | Fraud Detection API | Fraud Detection with Machine Learning & AI | Fraud Detection & Prevention

Try our free tools:

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

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