kitio.aiSift vs Lumin
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Sift starts at See pricing page and Lumin starts at $9/mo. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- Real-time risk scoring
- Payment fraud protection
- Account takeover defense
- Fake account detection
- Automated decision workflows
- AI agents for fraud teams
- AI agreement generator
- AI agreement editor
- PDF editing
- E-signatures
- Fillable PDFs
- eSign API
| Feature | Sift | Lumin |
|---|---|---|
| Best for | Machine-learning fraud prevention for payments and user accounts | PDF editing, e-signing and AI agreement drafting in one workspace |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Freemium |
| Starting price | See pricing page | $9/mo |
| Free plan | No | Yes |
| Made by | Sift | Lumin |
| Based in | United States | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Sift starts at See pricing page and Lumin starts at $9/mo. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
5 plans
Free
Free
- Basic PDF editing
- Basic e-signatures
- Annotate up to 3 docs
Starter
$9/mo
- Student plan
- 10 docs per month
- Google integration
Pro
$19/mo
- Per team
- 200 docs per month
- Advanced PDF editing
- 5 agreements per month
Business
$99/mo
- Member access control
- Domain control
- Slack and Drive connectors
- Priority support
Enterprise
Contact sales
- Enterprise SSO
- Storage options
- Premium onboarding
Prices in USD, checked Oct 29, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Sift
- Covers payments, logins and sign-ups
- Network data from many businesses
- Documented score API
- Expert services available
- No public pricing
- Demo required before buying
- Needs engineering work to send events
Lumin
- Drafting, editing and signing in one place
- Free plan covers basic PDF work
- Covers many common contract types
- Free plan allows only 3 documents a month
- Pro limits agreements to 5 per month
- Pro pricing is per team, with caps on documents
Which one should you choose?
Choose Sift if you want:
- Covers payments, logins and sign-ups
- Network data from many businesses
- Documented score API
Watch out: no public pricing.
Choose Lumin if you want:
- Drafting, editing and signing in one place
- Free plan covers basic PDF work
- Covers many common contract types
Watch out: free plan allows only 3 documents a month.
Sift vs Lumin FAQ
What is the difference between Sift and Lumin?
Sift: Machine-learning fraud prevention for payments and user accounts. Lumin: PDF editing, e-signing and AI agreement drafting in one workspace. Both are legal, finance & hr tools.
Is Sift or Lumin cheaper?
Sift starts at See pricing page and Lumin starts at $9/mo. Check both pricing pages for current plans.
Do Sift and Lumin have free plans?
Sift: No. Lumin: Yes.
Who makes Sift?
Sift is made by Sift, based in United States.
Who makes Lumin?
Lumin is made by Lumin.
Which should I choose, Sift or Lumin?
Choose Sift if you value covers payments, logins and sign-ups and network data from many businesses. Choose Lumin if you value drafting, editing and signing in one place and free plan covers basic pdf work.