Accertify vs XTN Comparison: Everything You Need to Know Before Choosing

XTN is an Italian cybersecurity company whose Cognitive Security Platform provides online businesses with behavioural fraud prevention and application protection across web and mobile channels. Digital banking, ecommerce and online services face a wide range of threats, including account takeover, malware on customer devices, bots, social engineering scams and payment fraud. Traditional security controls often rely on static rules or add friction for customers through repeated authentication steps. XTN’s approach is to analyse behaviour continuously and passively, using machine learning to build profiles of users, devices and sessions and to identify anomalies that signal fraud or compromise. By detecting risk in real time without disrupting legitimate users, the platform aims to strengthen security while supporting a smooth customer experience and helping organisations meet regulatory requirements such as those arising from PSD2. The platform comprises modules for fraud prevention and transaction risk analysis, behavioural biometrics, device and session integrity, mobile application protection and threat detection against malware and remote access tools. Risk scores and alerts can be fed into authentication flows, enabling strong customer authentication only when risk warrants it, and case management features support investigation by fraud analysts. A software development kit allows the technology to be embedded in mobile banking and ecommerce applications, while web components protect browser sessions. APIs enable integration with existing core banking, payment and security infrastructure, and deployment options include cloud and on-premises models. XTN is aimed at banks, payment service providers, fintech companies, insurers, ecommerce operators and other digital businesses in Europe and beyond that need to combat sophisticated online fraud and comply with regulatory obligations. The vendor places emphasis on explainable risk signals, so that analysts can understand why a session was flagged and respond with proportionate controls. Pricing starts from around EUR 50,000, reflecting enterprise-level contracts, with a free trial available; there is no permanently free version.