SEON is the only tool here with a published starting price: $699 per month for its Starter plan, which covers 2,500 fraud checks. Sift, Feedzai, Riskified, Forter, and Telesign do not publish standard prices, so expect a quote based on volume and risk profile. Riskified and Signifyd back approved orders with a financial guarantee, so fraud chargebacks on those orders become their loss, not yours.
We compared 7 options for best real-time scam monitoring platforms. Each profile below lists the price, free plan, pros and cons as published by the company.
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Best real-time scam monitoring platforms: comparison table
Swipe the table sideways on a phone to see every column.
| # | Name | Best for | Starting price | Free plan / trial | Link |
|---|---|---|---|---|---|
| 1 | SEON | Fast fraud checks with published pricing | $699 per month | Free trial | Visit |
| 2 | Sift | Behavioral scoring across the customer journey | quote only | No | Visit |
| 3 | Feedzai | Banks and fintechs fighting scams at scale | quote only | Free trial (30 days) | Visit |
| 4 | Riskified | Chargeback guarantee for online merchants | quote only | No | Visit |
| 5 | Forter | Identity based decisions for ecommerce | quote only | No | Visit |
| 6 | Signifyd | Guaranteed order decisions for retailers | quote only | Free trial (14 days) | Visit |
| 7 | Telesign | Phone risk scoring before verification codes | quote only | Free trial | Visit |
The 7 best best real-time scam monitoring platforms, in detail
SEON
Best for: Fast fraud checks with published pricing
SEON is the most transparent vendor in this list. Its Starter plan costs $699 per month and includes 2,500 fraud checks, 10 user accounts, and 50 custom rules, with platform and API access included. The Premium plan is custom priced and adds unlimited API calls, unlimited users and rules, case management, and AML compliance, plus a dedicated team and 24 hour support.
- The platform analyzes more than 1,100 first party data signals, covering email, phone, IP, device, and browser data, and returns a risk score before a
- That makes SEON a strong fit for signup fraud, fake accounts, multi accounting, and bonus abuse, as well as transaction screening.
- Implementation is fast for this category, with the vendor reporting an average of 14 days to go live.
- The main limits are the Starter caps, which a growing team will outgrow, and the fact that AML screening and case management sit behind the Premium ti
Pros
- Publishes its Starter price and plan limits
- scores email, phone, IP, device, and browser signals in real time
Cons
- Case management and AML compliance are only on the custom priced Premium plan
Sift
Best for: Behavioral scoring across the customer journey
Sift is a machine learning scoring platform that follows the customer from signup through payment and beyond. Its models draw on behavioral biometrics, device fingerprinting, network signals, and email intelligence, then return a numeric risk score on a 0 to 100 scale with reason codes that explain which signals drove the result. The platform covers Payment Protection for transactions, Account Defense against takeover and fake accounts, and content integrity for marketplaces.
- Your own rules or analysts make the final approve or decline call, using the score as the input.
- That design gives fraud teams control, but it also means the merchant keeps the fraud loss when a bad order slips through, because Sift does not offer
- Pricing is quote based and structured around event volume and the modules selected, with no public rate card and a demo led start.
- Sift suits digital businesses and marketplaces with a fraud team that wants deep signals and control over decisions, while merchants that want the ven
Pros
- Wide signal coverage, including behavioral biometrics and device fingerprinting
- covers payment fraud, account takeover, and content abuse in one platform
Cons
- No chargeback guarantee, so fraud losses stay with the merchant
- no public pricing and a demo led sales process
Feedzai
Best for: Banks and fintechs fighting scams at scale
Feedzai is the bank grade option in this list. Its RiskOps platform combines transaction fraud screening, AML transaction monitoring, account opening risk, and behavioral biometric identity in one system, so a bank can follow a customer from onboarding through every payment in a single decisioning layer. The platform scores transactions in real time using transaction, behavioral, device, and third party signals, and it includes investigation tooling for fraud and compliance teams.
- Feedzai also sells scam specific capabilities, including Digital Trust for account monitoring and Feedzai IQ scoring through an API.
- Pricing is enterprise quote based, with no published price list, and contracts are scoped per institution and use case.
- Feedzai IQ offers a 60 day evaluation and Secure Onboarding normally offers a 30 day evaluation.
- The main limits are the scale of deployment, which needs data science and engineering resources, and the modular licensing, which means fraud and AML
Pros
- Combines transaction fraud, AML, identity, and investigations in one RiskOps platform
- built for banks and payment companies
Cons
- Enterprise deployment needs heavy data, risk, and engineering involvement
- fraud, AML, and onboarding are licensed as separate modules
Riskified
Best for: Chargeback guarantee for online merchants
Riskified takes the fraud decision and the fraud loss off the merchant. Its platform reviews each order in real time and approves or declines it, then backs approved orders with a 100 percent chargeback guarantee, so a fraudulent chargeback on an approved order is covered by Riskified. The company also runs Dispute Resolve, a service that files the reimbursement claim on the merchant behalf.
- Pricing is performance based, charged as a percentage of approved transaction value, with no setup or monthly fees, and third party comparisons common
- That model suits high value merchants, because the fee scales with the orders Riskified clears rather than with every order screened.
- The trade offs are real: the fee absorbs margin on every approved order, including good ones, and the guarantee model is linked to higher false declin
Pros
- 100 percent chargeback guarantee on approved orders
- no setup or monthly fees under the performance model
Cons
- Fee is a share of approved order value, so cost rises with sales
- guarantee model can increase false declines
Forter
Best for: Identity based decisions for ecommerce
Forter is built around an identity network that links shoppers, devices, and payment details across its merchant base, then renders a real time approve or decline decision on each transaction. The platform covers fraud prevention, account protection, payment optimization, and abuse prevention, and it reports lower false declines as a core result, which matters because a wrongly declined good customer is lost revenue as well as a lost sale. In June 2026 Forter added five AI agents, covering analytics, abuse, payments, integration, and disputes, with the Integration Agent claimed to cut deployment time roughly threefold.
- Pricing is custom and tied to gross merchandise value or per approved transaction volume, with tiers that reduce rates as scale grows, and the company
- The chargeback guarantee is an optional module priced separately from core decisioning, so a Forter quote with the guarantee and one without it are no
- Forter suits merchants that want decisions rather than scores, and that value approval rates, while buyers who want a guarantee included from the star
Pros
- Returns a direct approve or decline decision from its identity network
- strong at cutting false declines
Cons
- Chargeback guarantee is an optional add on priced separately
- no published pricing, with contracts tied to GMV or transaction volume
Signifyd
Best for: Guaranteed order decisions for retailers
Signifyd is an automation first commerce protection platform that approves or declines each order instantly and backs approved orders with a 100 percent financial guarantee. The guarantee is configurable, from fraud only protection up to a total chargeback liability shift that covers non fraud chargebacks as well, which is broader than most rivals. Its Commerce Network holds behavioral and transactional data from more than 10,000 merchants across more than 100 countries, and the company says it recognizes over 98 percent of online shoppers somewhere in that network, which supports confident instant decisions on orders that would otherwise need manual review.
- Pricing is a percentage of the order total charged when an order is approved, with nothing charged when an order is declined for fraud, and the exact
- A 14 day free trial is available through its Shopify listing.
- Signifyd suits larger retailers that want automation and a guarantee, while smaller stores should check that the percentage fee makes sense against th
Pros
- 100 percent financial guarantee on approved orders, configurable up to a total chargeback liability shift
- fully automated instant decisions
Cons
- Fee is a percentage of approved order value with no published rate
- cost scales with the sales it clears
Telesign
Best for: Phone risk scoring before verification codes
Telesign covers the part of scam monitoring that starts with the phone number. Its Verify API delivers one time passcodes across SMS, voice, email, RCS, WhatsApp, Viber, push, and Silent Verify, while Phone ID and Intelligence score the number for fraud risk before a code is sent. That order matters, because scoring first stops account takeover attempts and fake signups before the business pays to send a code, and it also protects against SMS pumping fraud, where attackers trigger large volumes of verification messages.
- Pricing is usage based and pay as you go, with volume discounts and rates that vary by product, channel, and destination country, and exact rates are
- A free trial account with test credits is available for SMS, SMS Verify, Phone ID, and Intelligence.
- The main limit is that risk scoring and verification are billed as separate products, so the two charges need to be modeled together.
- Telesign suits teams that verify users by phone at signup or login and want a risk signal in that flow.
Pros
- Scores a phone number for fraud risk before sending a verification code
- multichannel OTP across SMS, voice, email, and messaging apps
Cons
- Risk scoring is billed as a separate product from verification
- no standard published rate, with exact prices shown after account creation
How we chose
We checked each vendor pricing page and product documentation on 12 November 2026 and recorded only what the vendor itself publishes. SEON is the only vendor here with a published starting price, at $699 per month for Starter, taken from its own pricing page. Sift, Feedzai, Riskified, Forter, and Telesign publish no standard prices, so those entries read quote only rather than a figure taken from a review site or contract database. Signifyd publishes its pricing model, a percentage of approved order value, but no rate, so it is also listed as quote only. Feature descriptions come from vendor pages and documentation, including Signifyd pricing page wording on its guarantee and Telesign marketplace listings on its Verify API. We did not claim hands on testing, and we did not use review scores, awards, or customer counts to rank the tools.
Which platform fits your volume and risk
| Monthly volume and risk | Best first choice | Why it fits | | Under 2,500 checks a month, small team | SEON Starter | $699 per month covers 2,500 checks, with published limits | | 2,500 to 50,000 checks, growing store | Sift or Signifyd | Sift for control over decisions, Signifyd for a guarantee | | High value orders, chargeback losses hurt | Riskified | Guarantee covers approved orders, fee only on approved value | | Bank or fintech, regulated, high volume | Feedzai | Fraud, AML, and identity in one platform | | Phone based signup or login fraud | Telesign | Risk scoring before the verification code is sent | | Large marketplace, many abuse types | Forter or Sift | Identity decisions or behavioral scoring across the journey |
Frequently asked questions
What is real time scam monitoring?
Real time scam monitoring scores a transaction, signup, or login while it is happening, using signals such as device, email, phone, IP, and behavior, then returns an approve, decline, or review decision in milliseconds. The goal is to stop fraud before money moves, rather than discovering it in a chargeback report weeks later. Banks use it to catch payment scams, and merchants use it to catch fraudulent orders.
How much do scam monitoring platforms cost?
Pricing varies by model. SEON publishes a Starter plan at $699 per month for 2,500 fraud checks. Riskified, Forter, and Signifyd charge a percentage of approved order value, with no published rate, so a quote is required. Sift, Feedzai, and Telesign are also quote only, priced on event volume, modules, or transaction volume. Always get the billing unit and the guarantee terms in writing before comparing quotes.
What is a chargeback guarantee?
A chargeback guarantee means the vendor covers fraud related chargebacks on orders it approved. Riskified offers a 100 percent guarantee on approved orders, and Signifyd offers a configurable guarantee up to a total chargeback liability shift. The vendor takes the fraud loss in exchange for a fee, usually a percentage of approved order value. Sift does not offer a guarantee, and Forter sells it as a separate module.
Can a small store afford scam monitoring?
Yes, if the pricing model fits. SEON Starter at $699 per month suits a small team with steady check volume, and Signifyd offers a 14 day free trial for stores that want to test guaranteed decisions. Stores with low volume should avoid percentage of order value models until the fee is modeled against real orders, since the cost grows with every approved sale, including legitimate ones.
How long does it take to set up a scam monitoring platform?
Setup time ranges from days to months. SEON reports an average implementation of 14 days, and Telesign offers a trial account with test credits for a fast start. Enterprise platforms such as Feedzai and Sift need longer, because they require data integration, rule tuning, and model training on your own transaction history before accuracy reaches its full level.
Sources
- https://seon.io
- https://seon.io/pricing/
- https://sift.com
- https://www.feedzai.com
- https://www.riskified.com
- https://www.forter.com
- https://www.signifyd.com
- https://www.signifyd.com/pricing/
- https://www.telesign.com
- https://www.telesign.com/pricing
Prices and features were read on each company’s own website in November 2026. They change often, so confirm the current offer on the official site before you sign up or buy.