Forter alternative: at-checkout prevention + an evidence pack you submit on a flat plan.
Direct answer: Forter is a strong identity-first enterprise platform, often priced as a percentage of volume with multi-year sales motion and (sometimes) per-decision fees. VerifyLive® gives growing merchants a real-time keep / review / stop call and an evidence pack you review and submit (not a chargeback guarantee; there is no recovery fee), and flat tiers — Shield Lite $99, Growth+ $499 — self-serve, no per-decision fee.
Forter invented a lot of the enterprise identity-first playbook, and it's very good at it. VerifyLive is for merchants who want at-checkout discipline without an enterprise contract cycle.
The website price is the invoice price. Keep more of every good month.
Built for agentic commerce.
Identity networks resolve the shopper across merchants. The open question now is who resolves the person when an AI agent is doing the shopping. That is the layer VerifyLive is built for — patent-pending trust for AI-driven checkout, in calibration as AI checkout goes mainstream.
In plain terms: when an AI places the order, we help you know a real, accountable person is still behind it.
Percentage-of-volume with per-decision fees — or a flat plan, and you submit the evidence pack.
Forter prices as a percentage of your volume on enterprise, multi-year contracts, and its guarantee is conditional with per-decision fees. VerifyLive prices flat per tier, and when a dispute gets through, you review and submit the evidence pack. There is no recovery fee.
- Model
- Identity-first prevention + guarantee
- Pricing
- Percentage of your volume
- Guarantee
- Conditional, with per-decision fees
- Motion
- Enterprise sales, multi-year contracts
- Best fit
- Large enterprise / high-AOV
- Model
- Prevention at checkout + recovery
- Pricing
- Flat — Shield Lite $99, Growth+ $499
- Recovery
- There is no recovery fee.
- Motion
- Self-serve, live the same day
- Best fit
- Growing mid-market merchants
Forter is built for large enterprises: a percentage of volume, per-decision fees, a multi-year contract, and a sales cycle to match. That works at very high volume. For a growing merchant, a flat tier caps the math, there are no per-decision fees, and self-serve means protection the same day — not after a procurement cycle.
If you're a large enterprise that needs Forter's identity-first network, a strong contractual SLA, and a bundled guarantee — and you have the procurement team to negotiate it — Forter is built for exactly that. We don't offer a guarantee, and we're honest about it.
What each platform actually does.
| Capability | Forter | VerifyLive |
|---|---|---|
| Real-time keep / review / stop before you fulfill | ✓ | ✓ |
| Fewer false declines — tuned to clear good buyers | ✓ | ✓ |
| When a dispute lands, an evidence package is generated for you | ✓ | ✓ |
| Evidence pack you submit. There is no recovery fee. | Often merchant-handled | ✓ |
| A call on the online payment and a call on the register | eCommerce-focused | ✓ |
| Self-serve signup, live the same day | Enterprise sales cycle | ✓ |
| Per-decision fees | Common | None — flat tier |
| Pricing structure | Percentage of your volume | Flat price per tier |
Three places they're better. Read them honestly.
- Enterprise identity network + brand.
Forter's identity-first network and enterprise brand run deep in high-AOV retail. We're a newer, self-serve challenger; if a large identity graph is your top requirement, they win it today.
- A bundled chargeback guarantee.
Forter offers a conditional guarantee that reimburses fraud losses on approved orders. We do not offer a guarantee. When a dispute lands, we build the evidence package and you review and submit it. There is no recovery fee. If a bundled guarantee is a must-have, they have it and we're clear that we don't.
- Enterprise API and SLA.
Forter ships a real-time decision API with strong enterprise contractual SLAs and years of data. We publish best-effort service objectives, not compensable latency SLAs, and we're earlier on the data curve.
Five places we're better. Read them harder.
- Flat pricing, no per-decision fees.
Forter prices as a percentage of your volume, often with a per-decision fee on top. Ours is one flat tier price — the same number whether you have a quiet month or your best month ever, and there's no charge per decision.
- Recovery without a conditional guarantee contract.
Forter's guarantee is conditional and enterprise-scoped, and representment is often left to the merchant. VerifyLive gives growing merchants an evidence pack you submit on the disputes that get through. There is no recovery fee.
- A call on the online payment and a call on the register.
Online checkout and the in-person register each get a keep / review / stop call. We do not tie those payments together as one person. Forter is an eCommerce platform — it never sees the in-person side of your business.
- Live self-serve in under an hour, not a multi-year enterprise commitment.
Sign up, connect, done — no SDR team, no multi-meeting evaluation, no multi-year contract. Protection the same day, at a price you can read off the website.
- One platform and one bill, not a 3-to-5 tool stack.
Real-time keep / review / stop on every order, the common abuse playbooks (refund abuse, velocity, device and location, risky delivery addresses), and an evidence pack you submit when a dispute lands — one place to look when something goes wrong, more protection per dollar.
No chargeback guarantee is offered. When a dispute lands, VerifyLive builds your evidence package for you to review and submit. There is no recovery fee. Live today, VerifyLive is real-time detection plus an organized evidence package when a dispute lands.
Forter is a serious identity-first platform with deep enterprise references. If you're that size and you want their network, a hard SLA, and a bundled guarantee, they're built for it.
Most growing merchants aren't that size. They want a keep / review / stop call before they fulfill, without a percentage-of-volume contract or a per-decision fee — a chargeback evidence pack and no recovery fee, and a price they can read off the website. You make the call. That's the merchant we built for.
— the VerifyLive team
Detail before you ask.
How is your pricing different from Forter's?+
Forter prices as a percentage of your volume on enterprise, multi-year contracts, often with a per-decision fee. VerifyLive is one flat tier price — Shield Lite $99 and Growth+ $499 flat up to $1M; Professional and Business are custom-quoted flat tiers (contact us) — with no per-decision fee. The website price is the invoice price.
Do you offer a chargeback guarantee like Forter?+
No — no chargeback guarantee is offered. VerifyLive prevents fraud at checkout, and when a dispute still lands, RECOVR builds your evidence package for you to review and submit. There is no recovery fee. A bundled, conditional guarantee is Forter's model, not ours; we'd rather be clear about that than sell fog.
Forter is identity-first — how do you compare?+
Forter leads with a large identity network. VerifyLive places a keep / review / stop call on online orders and on in-person payments on the same account. You make the call. If a large enterprise identity graph is your single requirement, Forter is strong there — run us alongside and compare on your own orders.
Can I migrate from Forter without breaking my checkout?+
Yes. Both run on standard webhook + decision-API patterns. Start VerifyLive in observation mode — advisory only, nothing blocked — for the first couple of weeks, then flip to live decisions when you're ready. You can keep Forter running alongside so nothing gets ripped out before you've compared them.
What about Riskified or Signifyd?+
Same enterprise percentage-of-revenue model, same flat-price contrast in how we bill. See our Riskified comparison at /vs-riskified and our Signifyd comparison at /vs-signifyd.
Enterprise-grade discipline, without the enterprise contract.
Prevention on every order, an evidence pack you submit, one flat bill — no per-decision fee. Bring your Forter renewal and compare.