---
title: "Corgi Labs vs Forter"
description: "Compare Corgi Labs and Forter. Corgi Labs builds a model on your own payments and runs it alongside Forter, so you see the lift before you switch."
url: https://www.corgilabs.ai/insights/vs-forter
published: 2026-11-14
---

# Corgi Labs vs Forter

**THE SHORT ANSWER**

## Three differences that matter

Forter learns from a network of 2B+ identities. Corgi Labs is built around one merchant: you.

### A model built on your data

Forter learns from a network of 2B+ identities. Corgi Labs trains a model on your own transaction history.

![A dot grid labelled Forter network, with one highlighted block of dots labelled Your data](https://tcogpkjbcipaopdsvkgf.supabase.co/storage/v1/object/public/blog-images/1794677038476-vs-forter-your-data.svg)

### Proof before you switch

Corgi Labs runs alongside Forter on your payments and reports the lift against a real holdout period.

![A line chart where the Corgi Labs line climbs away from a flat, dashed Forter line](https://tcogpkjbcipaopdsvkgf.supabase.co/storage/v1/object/public/blog-images/1794677038476-vs-forter-proof.svg)

### Pricing tied to results

Forter is quoted per merchant, with an optional chargeback guarantee. Corgi Labs pricing is a share of the revenue lift it adds.

![A gauge under a $$$ figure, with its needle labelled Share of the lift](https://tcogpkjbcipaopdsvkgf.supabase.co/storage/v1/object/public/blog-images/1794677038476-vs-forter-pricing.svg)

**AT A GLANCE**

## Corgi Labs and Forter compared

What each one learns from, how results are proven, and how pricing works.

| Forter | Corgi Labs |
| --- | --- |
| Learns from a network of 2B+ identities | A model trained on **your own transactions** |
| Optional chargeback guarantee | **Custom** to your business and customers |
| Reports 46% fewer false declines on average | **Proven on your history** before it goes live |
| Custom pricing, quoted per merchant | **Pricing tied to the lift**, no fixed platform fee |
| 90-day performance guarantee | **Free diagnostic** on read-only access |

Source: Forter details from [forter.com](https://www.forter.com/) and [forter.com/pricing-offer](https://www.forter.com/pricing-offer/), checked 27 Oct 2026.

**HOW SWITCHING WORKS**

## Run Corgi Labs alongside Forter

Keep Forter live while Corgi Labs proves the lift on your own payments. Switch when the numbers say so.

1. **Connect** Connect your payment processor and history.
2. **Backtest** We train a model on your history and show what it would have caught.
3. **Run alongside** Corgi Labs scores the same payments as Forter without touching live traffic.
4. **Switch** Once the lift is proven, Corgi Labs takes over live approve and block decisions.
5. **Improve** The model keeps learning from your newest payments.

**WHEN FORTER IS ENOUGH**

## When Forter is the better fit

Corgi Labs isn’t the right call for every merchant.

### Low payment volume

A custom model needs enough of your own payment history to learn from.

### You want a chargeback guarantee

Forter offers one at a premium. Corgi Labs prices on the lift it adds instead.

### Fraud is under control

If your fraud and decline rates are where you want them, Forter may be all you need.