kitio.aiSift vs Pagaya
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Sift starts at See pricing page and Pagaya starts at See pricing page. 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 credit decisions
- API integration with origination
- Real-time processing
- Fair lending controls
- Investor-funded loan transfer
| Feature | Sift | Pagaya |
|---|---|---|
| Best for | Machine-learning fraud prevention for payments and user accounts | AI lending network that helps lenders approve more loan applicants |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Paid | Paid |
| Starting price | See pricing page | See pricing page |
| Free plan | No | No |
| Made by | Sift | Pagaya Technologies |
| 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 Pagaya starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
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
Pagaya
- Lenders keep their own brand experience
- No added credit risk for partners
- Used by large US lenders
- Only for lending institutions
- No self-serve access
- Pricing is not public
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 Pagaya if you want:
- Lenders keep their own brand experience
- No added credit risk for partners
- Used by large US lenders
Watch out: only for lending institutions.
Sift vs Pagaya FAQ
What is the difference between Sift and Pagaya?
Sift: Machine-learning fraud prevention for payments and user accounts. Pagaya: AI lending network that helps lenders approve more loan applicants. Both are legal, finance & hr tools.
Is Sift or Pagaya cheaper?
Sift starts at See pricing page and Pagaya starts at See pricing page. Check both pricing pages for current plans.
Do Sift and Pagaya have free plans?
Sift: No. Pagaya: No.
Who makes Sift?
Sift is made by Sift, based in United States.
Who makes Pagaya?
Pagaya is made by Pagaya Technologies.
Which should I choose, Sift or Pagaya?
Choose Sift if you value covers payments, logins and sign-ups and network data from many businesses. Choose Pagaya if you value lenders keep their own brand experience and no added credit risk for partners.