BioCatch

Machine learning on user behavior to detect bank fraud, scams and mule accounts

Contact for pricing biocatch.com

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Pricing

Contact for pricing

API

Yes

Platforms

WebAPI

What is BioCatch?

BioCatch is a fraud and financial crime prevention platform for banks. It uses behavioral intelligence to detect account opening fraud, account takeover, social engineering scams and mule accounts. Its core platform, BioCatch Connect, combines real-time telemetry, behavioral analysis and predictive intelligence across every device.

Its risk engine is powered by machine learning, trained on behavior from trillions of digital interactions, and turns patterns in how people behave into fraud risk insights.

According to the site, the platform collects more than 3,000 behavioral and device signals through a single SDK and assesses risk in under 500 ms. Its modules include Account Opening Protection, Account Takeover Protection, Mule Account Detection, Scams360 (which picks up signs of hesitation or external pressure), BioCatch Trust for checking receiving accounts, and DeviceIQ. These run alongside a bank's existing controls.

BioCatch is built for retail banks and financial institutions, with fraud, financial crime compliance and digital banking teams as the main users. The company says more than 350 banks use it. Pricing is not published, so access is arranged through sales.

Key features

Behavioral analysis of user sessions in real time
Account opening fraud and synthetic identity detection
Account takeover detection beyond login
Mule account detection across the account lifecycle
Scam detection from hesitation and pressure signals
Receiving-account trust scoring without sharing PII
Device risk assessment with DeviceIQ
Rule Manager, Push API and Insights Query Engine

Use cases

Who it's for

Retail banksFraud prevention teamsFinancial crime compliance teamsDigital banking teams

Securing digital onboarding

Tells genuine applicants apart from stolen or synthetic identities and bots during account opening.

Stopping authorized push payment scams

Flags sessions where a customer seems to be under pressure or manipulated into approving a high-risk payment.

Detecting money mules

Finds mule activity days or weeks earlier, using behavioral, device and network patterns.

Preventing account takeover

Monitors sessions for remote access tools, malware and impersonation, even when credentials appear legitimate.

BioCatch pricing

From the vendor's site, checked Oct 26, 2026; we re-check prices monthly. Prices change — confirm on their pricing page.

Pricing is by quote: contact the vendor.

How BioCatch compares

BioCatch has no free plan, while 1 of the 4 alternatives below has one.

Tool	Starts at	Free plan	Free trial	Open source
BBioCatch	Quote	—	—	—
RResemble AI	$280/mo	—	—	—	BioCatch vs Resemble AI
RReality Defender	—		—	—	BioCatch vs Reality Defender
SSift	Quote	—	—	—	BioCatch vs Sift
SSEON	$699/mo	—		—	BioCatch vs SEON

The closest alternatives in our directory by category. “Starts at” is the cheapest paid plan per month, as each vendor lists it.

BioCatch data and privacy

Trains AI on your content

Not stated

Data retention

Kept as long as needed for purposes, legal obligations, or legal position

“We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law.”

Where data is stored

Not stated

Security and compliance

GDPRSOC 2 Type IIISO 27001

From BioCatch's own privacy and security pages , checked Oct 28, 2026. We only show what the vendor states in writing; “not stated” means the pages don't say.