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.

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.

SEON vs Accertify Features Comparison Table

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

Further Reading

Learn more about:

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

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