Comparison · 2026 edition
Oscilar vs Unit21: fraud prevention compared 2026.
Oscilar and Unit21 side by side in the Fraud Prevention Index 2026: scores, evidence, published facts and awards.
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Oscilar and Unit21 side by side in the Fraud Prevention Index 2026: scores, evidence, published facts and awards.
In the Fraud Prevention Index, Unit21 scores higher overall: 2.9 out of 5 (57 out of 100) against 2.6 (53), ranking 3 and 5 of 13. Unit21 also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Oscilar | Unit21 |
|---|---|---|
| Score out of 5 | 2.6 | 2.9 |
| Score out of 100 | 53 | 57 |
| Overall rank | 5 of 13 | 3 of 13 |
| For banks and lenders (out of 100) | 67, rank 3 | 72, rank 2 |
| For payment and e-money firms (out of 100) | 52, rank 8 | 55, rank 4 |
| For fintechs and marketplaces (out of 100) | 41, rank 9 | 43, rank 7 |
| Type | Fraud, credit and AML decisioning platform | Fraud and AML operations platform |
Each score with the evidence behind it.
| Criterion | Oscilar | Unit21 |
|---|---|---|
| Fraud coverage | 4/5 Payment fraud, account takeover, new account fraud and chargebacks published; scams not published. | 3/5 Payment fraud, account takeover and new account fraud published; scams and chargebacks not published. |
| Published pricing | 0/5 Not published on the page read. | 0/5 Not published on the pages read. |
| Detection signals | 3/5 Device and behaviour signals with explained decisions; shared client data not stated. | 5/5 Device, behaviour, shared consortium data and explainable decisions published. |
| Rules and case management | 4/5 Workflows, backtesting and case management published; regulatory reporting not stated. | 4/5 Configurable rules, case management and regulatory filing published; backtesting not stated. |
| Integration | 0/5 Not published on the page read. | 0/5 Not published on the pages read. |
| Security and clients | 4/5 ISO 27001 and SOC 2 without type, with named regulated clients. | 4/5 SOC 2 Type II with regulated clients shown as logos; ISO 27001 not stated. |
Each criterion is scored 0 to 5 against the best published offer in the Fraud Prevention Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Oscilar | Unit21 |
|---|---|---|
| Coverage | Detects "card testing, chargeback fraud", "suspicious logins" and abnormal sign-up behaviour; onboarding and AML. Scams not published. | Fraud blocked "across RTP, FedNow, ACH, cards, crypto"; device risk score to stop "bots, account farms, and mule networks"; onboarding risk. Scams and chargebacks not published as products. |
| Pricing | Not published on the page read. | Not published on the pages read. |
| Signals | "Next-generation device and behavioral intelligence"; device ID reuse checks; "Explainable decisions & full auditability". | Device Risk Score using "deep device and behavioral signals"; consortium "covering 80M+ adults in the U.S."; "explainable, fully auditable decisions". |
| Operations | "Easily create or modify workflows, and automatically backtest with historical data"; "context-rich case management"; AML transaction monitoring and sanctions screening. | "Configurable rules, behavioral models, and AI agents"; Case Management; AI agents "pre-populate SARs, STRs, CTRs, 314(a), and goAML filings". |
| Integration | Not detailed on the page read. | Not detailed on the pages read. |
| Security and clients | ISO 27001 and SOC 2 badges (SOC 2 type not stated). Named clients: dLocal, SoFi, Nuvei and Clara. | SOC 2 Type I and Type II attested by Armanino; GDPR and CCPA compliant. Logos include Chime, Brex, Crypto.com, Sunrise Banks and Greendot Bank. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Oscilar: coverage, pricing, security and clients, detection signals and rules and case management.
Not published or not stated by Unit21: coverage, pricing, rules and case management and security and clients.
Facts read on 26 October 2026 from: oscilar.com; and unit21.ai, unit21.ai/security.
Awards follow from the published scores and cannot be bought.
No award in this index.
From each provider's strongest criteria and published terms.
US fintechs and payment firms wanting backtesting and case management together.
US banks and fintechs needing fraud rules, investigations and SAR filing together.
Tell us what you need and where you operate.