Unit21
No-code transaction monitoring your ops team can actually change without filing an engineering ticket
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Unit21 is transaction monitoring and case management aimed at the team that has to actually work the alerts, not the engineers who set them up. The core of the product is a no-code rule builder: an analyst can write a detection rule ('flag any payroll disbursement over 2x an employee's trailing average,' 'flag a bank-account change followed by an off-cycle payment'), backtest it against historical data to see how many alerts it would have thrown, and deploy it, all without a sprint. That backtesting step is the underrated part, it's the difference between tuning your fraud rules and guessing.
The company relaunched its platform in March 2026 under an 'AI risk infrastructure' banner, and unusually for that kind of rebrand there's substance behind it: Chartis rated it a category leader in both enterprise fraud and payment fraud, with the highest AI score of any vendor it evaluated. Pricing is consumption-based, which makes it one of the few tools in this class where a mid-market company can start without a tier-1-bank budget.
Context for this directory's audience: Unit21 monitors transaction streams in real time, so it fits companies whose payroll fraud risk lives inside a product, staffing platforms paying thousands of workers, marketplaces with seller payouts, fintechs moving money. If your 'transactions' are twenty paychecks twice a month, this is not your tool; MindBridge-style ledger analysis or your payroll platform's built-in flags fit that shape better.
Pricing
Consumption-based pricing on monitored volume, no public rate card. Mid-market deployments are reachable without enterprise-bank budgets, but expect a quoted contract, not a checkout page. Implementation is measured in weeks, not the quarters legacy vendors need.
Features
- No-code detection rule builder with plain-language conditions
- Backtesting rules against historical data before deployment
- Real-time transaction monitoring across payments and payouts
- Case management with alert queues, audit trails, and SAR filing support
- Link analysis surfacing connected accounts and shared identifiers
- Consumption-based pricing that scales down as well as up
- Ops teams change detection logic themselves, the iteration loop is days not quarters
- Backtesting shows a rule's alert volume before it goes live, so tuning is empirical
- One of the few serious platforms in this class accessible below enterprise scale
- Built for transaction streams, not twice-monthly payroll ledgers, small employers are the wrong shape
- Detection quality depends on the rules your team writes, it's a power tool, not a turnkey answer
- Alert-heavy deployments need real analyst headcount to work the queue
Fintechs, staffing platforms, and marketplaces running payouts at volume, with an ops team that wants to own detection logic directly.
Conventional employers running standard payroll, there's no transaction stream here for it to monitor.
Screenshots
Supported countries
US-headquartered with global fintech customers; compliance program support is strongest for US regimes.
Integrations
Unit21 alternatives
Tools worth comparing before you commit.