Sift vs Sardine vs Riskified Compared (2026): The AI Fraud Detection Showdown
A 2026 head-to-head of the three AI fraud detection leaders Sift, Sardine, and Riskified. Covers payment fraud, behavioral biometrics, chargeback guarantee, account takeover, pricing, and ROI by industry.
Verdict:Sift / Sardine / Riskified split across 'e-commerce/marketplace/SaaS digital trust and safety 34,000+ company largest share / fintech/crypto behavioral biometrics / e-commerce chargeback guarantee industry standard'. US $1B + 34,000+ companies + DoorDash/OpenTable/Twitter + $50K-1M = Sift (digital trust and safety standard). US $500M + 300+ customers + Brex/FTX/PayPal Crypto + behavioral biometrics + $50-500K = Sardine (fintech focus). NYSE:RSKD $400M + 1,000+ companies + Wayfair/Prada/Canada Goose + chargeback guarantee + $100K-2M = Riskified (e-commerce chargeback). 2026 optimal stacks: (A) E-commerce SMB ($1-10M GMV) = Stripe Radar + Signifyd = $30K/yr; (B) E-commerce mid-large ($10M-1B GMV) = Riskified chargeback guarantee + Sift account takeover = $200K/yr; (C) E-commerce enterprise ($1B+) = Forter + Riskified + Sift + Sardine = $1M/yr; (D) Fintech/neobank = Sardine behavioral + Unit21 AML + Alloy KYC + Socure IDV = $300K/yr; (E) Crypto exchange = Chainalysis + TRM Labs + Sardine + Unit21 = $500K/yr; (F) Tier 1 bank = NICE Actimize + FICO Falcon + Feedzai + Quantexa = $5-10M/yr; (G) Mid-regional bank = Feedzai + Hawk:AI + ComplyAdvantage + Featurespace = $500K/yr; (H) Card issuer = FICO Falcon + Featurespace + NICE Actimize = $2M/yr; (I) Insurance claims = Shift Technology + SAS Fraud = $1M/yr; (J) Marketplace = Sift + Forter + Persona = $500K/yr; (K) Gaming/iGaming = Sift + Sumsub + iovation = $300K/yr; (L) Japan = NEC Crime Suspect + J-Coin AML + eKYC Polarify/LIQUID = $30K-1M/yr.
Table of Contents
Sift & Sardine Overview
Sift
US $1B, 34,000+ companies, deployed at DoorDash/OpenTable/Twitter/Pendo; digital trust and safety; payment + account takeover + content abuse; $50K-1M/yr.
Learn more about Sift →Sardine
US $500M, 300+ customers, deployed at Brex/FTX/PayPal Crypto/Chime; behavioral biometrics + device; fintech focus; $50-500K/yr.
Learn more about Sardine →Feature & Pricing Comparison
| Feature | Sift | Sardine |
|---|---|---|
| Founded / valuation | 2011 / $1B | 2020 / $500M |
| Customers | 34,000+ companies, industry-largest | 300+ customers, fintech-focused |
| Marquee customers | DoorDash/OpenTable/Twitter/Pendo | Brex/FTX/PayPal Crypto/Chime |
| Primary use cases | Payment + ATO + content abuse + promo abuse | Onboarding + behavioral biometrics + crypto |
| Behavioral biometrics | Good | Best (keystroke dynamics + smartphone sensors industry-leading) |
| Device fingerprinting | Best | Best (200+ attributes) |
| Crypto/blockchain support | Fair | Best (FTX/PayPal Crypto, Travel Rule) |
| Chargeback guarantee | None | None |
| AML/KYC | Fair | Best (Unit21-linked + ComplyAdvantage) |
| Manual review tool | Best (Sift Console) | Best (Sardine Console) |
| Target industries | E-commerce/marketplace/SaaS/gaming | Fintech/neobank/crypto |
| Pricing | $50K-1M/yr | $50-500K/yr |
Our Verdict
Our Verdict
Sift / Sardine / Riskified split across 'e-commerce/marketplace/SaaS digital trust and safety 34,000+ company largest share / fintech/crypto behavioral biometrics / e-commerce chargeback guarantee industry standard'. US $1B + 34,000+ companies + DoorDash/OpenTable/Twitter + $50K-1M = Sift (digital trust and safety standard). US $500M + 300+ customers + Brex/FTX/PayPal Crypto + behavioral biometrics + $50-500K = Sardine (fintech focus). NYSE:RSKD $400M + 1,000+ companies + Wayfair/Prada/Canada Goose + chargeback guarantee + $100K-2M = Riskified (e-commerce chargeback). 2026 optimal stacks: (A) E-commerce SMB ($1-10M GMV) = Stripe Radar + Signifyd = $30K/yr; (B) E-commerce mid-large ($10M-1B GMV) = Riskified chargeback guarantee + Sift account takeover = $200K/yr; (C) E-commerce enterprise ($1B+) = Forter + Riskified + Sift + Sardine = $1M/yr; (D) Fintech/neobank = Sardine behavioral + Unit21 AML + Alloy KYC + Socure IDV = $300K/yr; (E) Crypto exchange = Chainalysis + TRM Labs + Sardine + Unit21 = $500K/yr; (F) Tier 1 bank = NICE Actimize + FICO Falcon + Feedzai + Quantexa = $5-10M/yr; (G) Mid-regional bank = Feedzai + Hawk:AI + ComplyAdvantage + Featurespace = $500K/yr; (H) Card issuer = FICO Falcon + Featurespace + NICE Actimize = $2M/yr; (I) Insurance claims = Shift Technology + SAS Fraud = $1M/yr; (J) Marketplace = Sift + Forter + Persona = $500K/yr; (K) Gaming/iGaming = Sift + Sumsub + iovation = $300K/yr; (L) Japan = NEC Crime Suspect + J-Coin AML + eKYC Polarify/LIQUID = $30K-1M/yr.
Recommendations by Use Case
Digital trust and safety 34,000+ companies largest share
$1B, DoorDash/OpenTable/Twitter, $50K-1M/yr
Fintech/crypto behavioral biometrics
$500M, Brex/FTX/PayPal Crypto, $50-500K/yr
E-commerce chargeback guarantee
NYSE:RSKD $400M, Wayfair/Prada, $100K-2M/yr
E-commerce identity decisions
$3B, Nordstrom/ASOS/Sephora, $100K-2M/yr
Tier 1 bank AML + fraud Citi/Lloyds
$1.5B, 350+ customers, $200K-3M/yr
AML/KYC watchlist + PEP + adverse media
$1B, 1,000+ customers, API-first, $30-500K/yr
Card fraud industry standard adaptive behavioral
$925M Visa acquisition, HSBC/RBS, $200K-2M/yr
Tier 1 bank Fortune 500 enterprise
NASDAQ:NICE $10B, AML/fraud/market abuse, $500K-10M/yr
9,000+ issuer card fraud
NYSE:FICO $20B, card fraud standard, $500K-5M/yr
Identity verification best-in-class accuracy
$4.5B, 2,400+ companies, $100K-1M/yr
Fintech AML + fraud no-code rules
$300M, Coinbase/Intuit, $50-500K/yr
Document + biometric IDV
1,500+ companies, liveness detection, $50-500K/yr
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