Transmit Security
Transmit Security delivers enterprise identity and access management with integrated fraud prevention for organizations managing massive user bases, primarily in financial services.
Transmit Security Pricing 2026: Plans & True Costs
Transmit Security pricing starts at approximately $200,000 annually for 100,000 Monthly Active Users for the Full Mosaic Platform and scales based on your deployment architecture, modular selections, and implementation complexity. Transmit Security uses a custom-quote enterprise model with no published per-tier pricing above the 100K MAU baseline, requiring direct vendor engagement to understand your actual costs. For large financial institutions, first-year total investment includes subscription, professional services, and implementation costs, though no publicly available source discloses a complete first-year TCO for banking customers at enterprise scale.
TL;DR: Transmit Security Pricing At a Glance
Before diving into the details, the following comes from Transmit Security's pricing page:
| Module | Starting Price | Volume Basis | Best For |
|---|---|---|---|
| Full Mosaic Platform | $200,000/year | 100K MAUs | Comprehensive identity transformation with integrated fraud prevention |
| Mosaic for Identity | $100,000/year | 100K MAUs | Passwordless authentication and orchestration without fraud detection |
| Mosaic for Fraud Detection & Response | $100,000/year | 10M Logins | Protecting existing identity infrastructure from account takeover |
| Mosaic for Identity Verification | $50,000/year | 100K ID Checks | KYC/AML compliance and secure onboarding |
All pricing requires a custom quote after initial inquiry. The figures above are explicitly labeled as indicative starting prices that vary by use case, volume, and deployment architecture. Transmit Security provides final pricing within 24 hours of contacting sales. B2B and Workforce Identity solutions carry no published price whatsoever.
What You Actually Pay
The total cost of ownership for an enterprise banking implementation extends well beyond the published subscription figures. First-year investment includes subscription licensing, professional services, implementation labor, training, and support setup. However, no publicly available pricing exists for professional services, implementation labor, or training costs: all are quoted individually per Order Form. While the published starting price for the Full Mosaic Platform is $200,000/year for 100K MAUs, enterprise banking deployments at 15M–200M+ customer accounts require custom pricing quotes, making it impossible to calculate a complete first-year TCO from public sources alone.
Base License Costs
Base license costs range from $100K–$200K+ annually depending on module selection and MAU volume at the entry tier. Scaling to enterprise banking volumes (15M–200M+ accounts) requires custom negotiation with no published reference points.
Professional Services and Implementation
Transmit Security doesn't publish professional services rates. Industry benchmarks vary widely; RSA estimates implementation costs for complex identity governance could reach up to 10 times the purchase price, though Transmit claims their no-code orchestration "virtually eliminates the need for vendor professional services."
First-Year Investment Limitations
First-year total investment cannot be calculated from public sources; subscription pricing is the only disclosed component.
Minimum Threshold and Modular Architecture
The 100K MAU baseline gates access to standard pricing. Organizations below this threshold require custom negotiation.
You can purchase modules à la carte. However, Transmit Security publishes no explicit bundle discount percentage or marketing language claiming savings from bundling. An arithmetic comparison of published starting prices shows the bundled Full Mosaic Platform ($200,000/year at 100K MAUs) costs approximately $50,000/year less than purchasing the three individual modules separately at their starting prices ($100K + $100K + $50K = $250K/year), representing roughly 20% savings at the entry tier. This arithmetic observation should be interpreted cautiously—the three modules use different volume metrics (MAUs, Logins, ID Checks), making direct comparison imperfect.
What Drives Your Costs
Three primary consumption metrics determine your Transmit Security costs, and understanding how they compound is essential for accurate budgeting. Each module uses a different billing unit, meaning your total cost depends on which capabilities you need and how intensively your customers use them.
The cost drivers break down as follows:
- Monthly Active Users (MAUs): The primary driver for Mosaic for Identity and the Full Mosaic Platform. This measures unique users who authenticate or interact with identity services within a calendar month. At the published baseline, you're looking at $2.00/MAU/year for the full platform or $1.00/MAU/year for identity alone.
- Login event volume: The primary driver for Mosaic for Identity Fraud and Threat Detection and Response. The 10M login baseline suggests approximately $0.01 per login at starting prices, though actual rates at enterprise scale are negotiated privately.
- Per-transaction costs for identity verification: Biometric matching, document analysis, and age verification are billed per ID check. The $50,000/year starting price for 100K checks implies $0.50 per verification at baseline volumes.
| Feature | Consumption Metric | Pricing Model | Example at 100K MAUs | Example at 10M MAUs |
|---|---|---|---|---|
| Identity (Auth & Orchestration) | Monthly Active Users | Subscription | $100,000/year | Contact sales |
| Fraud Detection & Response | Login Events | Subscription | $100,000/year (10M logins) | Contact sales |
| Identity Verification | ID Checks | Per-transaction | $50,000/year (100K checks) | Contact sales |
| Full Mosaic Platform | MAUs (all services) | Subscription | $200,000/year | Contact sales |
The critical gap here: no published pricing exists for any volume tier above 100K MAUs. Transmit Security's platform page confirms deployments serving "over 100 million+ customers," but discloses nothing about what those customers pay.
What You Get at Each Module
Transmit Security's Mosaic architecture allows you to purchase identity, fraud, and verification capabilities separately or as an integrated bundle. The value proposition of bundling centers on eliminating integration complexity and consolidating vendor relationships. Transmit Security publishes no explicit bundle discount percentage or marketing language claiming specific savings from bundling. However, an arithmetic comparison of published starting prices suggests approximately $50,000/year difference when bundling all three modules ($250,000 combined individual pricing versus $200,000 for the Full Mosaic Platform), though the three modules use different volume metrics (MAUs, logins, ID checks), making direct comparison imperfect.
Mosaic for Identity (Auth & Orchestration)
The identity module delivers passwordless authentication, workflow orchestration, and multi-channel access management. Starting at $100,000/year for 100K MAUs, this tier targets organizations prioritizing customer authentication modernization without immediate fraud detection needs.
Best for: Organizations with a passwordless authentication mandate, multi-channel customer access requirements, or legacy system integration projects where fraud prevention is handled separately.
What's included:
- Passwordless MFA including passkeys, biometrics, and FIDO2
- No-code journey orchestration via drag-and-drop editor
- User management and lifecycle automation
- Pre-built integrations hub with APIs and connectors
- Enterprise-grade SLA (99.99% uptime target)
Mosaic for Fraud (Detection & Response)
The fraud module provides real-time detection, bot prevention, and account takeover protection. Starting at $100,000/year for 10M logins, this tier uses login event volume rather than MAUs as its billing unit. This pricing is indicative and depends on use case, volume, and deployment architecture, with final pricing confirmed within 24 hours of inquiry.
Best for: Organizations with an existing identity platform they want to protect, those experiencing account takeover crises, or institutions facing regulatory fraud reduction requirements.
What's included:
- Real-time fraud detection with AI-powered risk scoring
- Bot prevention and automated attack mitigation
- Account takeover protection
- Device identification and behavioral analytics
- Integration with existing authentication flows
A top 25 U.S. financial holding company with $200B+ in assets and 15M+ customers reported 98% reduction in new account fraud and 90% reduction in false positives after deploying Transmit Security's Detection and Response service.
Mosaic for Verification (Identity Proofing)
The verification module handles biometric matching, document verification, and KYC/AML compliance. Starting at $50,000/year for 100K ID checks, this is the most transaction-oriented pricing model in the Mosaic suite.
Best for: Organizations with secure onboarding mandates, tightening KYC/AML compliance requirements, or age verification needs for regulated products.
What's included:
- Biometric matching and liveness detection
- Document verification (passports, driver's licenses, IDs)
- Age verification for regulated products
- Global watchlist screening (PEP, AML)
- Integration with Microsoft Entra Verified ID for credential issuance and presentation
Full Mosaic Platform (Bundled)
The complete platform integrates all three modules for $200,000/year at 100K MAUs. This represents approximately $50,000/year less than purchasing all three modules separately at starting prices, though the three modules use different volume metrics (MAUs, logins, ID checks), making direct comparison imperfect.
Best for: Organizations pursuing comprehensive identity transformation, requiring integrated fraud prevention within authentication workflows, or prioritizing consolidated vendor management.
What's included:
- All Identity, Fraud, and Verification capabilities
- Unified data model across modules
- Single orchestration layer for all identity journeys
- Consolidated compliance reporting
- AI Assistant (Spark) for fraud prevention and identity analytics
The platform positions itself as an anti-fragmentation solution. Rather than integrating separate vendors for identity, fraud, and verification (each with distinct APIs, support contracts, and compliance documentation), the bundled approach consolidates everything under one vendor relationship.
Choose the Right Configuration
Selecting the right module configuration depends on your existing infrastructure, immediate priorities, and long-term identity strategy.
| Scenario | Recommended Module | Key Indicators |
|---|---|---|
| Passwordless mandate with existing fraud solution | Identity Module Alone | Multi-channel access needs; legacy system integration priority; satisfied with current fraud vendor (LexisNexis, Kount) |
| Protecting existing identity platform | Fraud Detection Module Alone | Already using Okta, Azure AD B2C, or ForgeRock; rising account takeover incidents; bot traffic affecting access; regulatory fraud reduction requirements |
| Secure onboarding focus | Verification Module Alone | KYC/AML compliance requirements; age verification for regulated products; Microsoft Entra ID integration needed; onboarding fraud as primary concern |
| Comprehensive identity transformation | Full Bundle (All Three) | Greenfield CIAM implementation; replacing fragmented point solutions; integrated fraud prevention required; consolidated vendor management priority; multi-function regulatory compliance (PSD2/SCA, KYC/AML) |
Volume Discounts & Pricing Thresholds
Gartner Peer Insights notes that "discounts are available primarily for multi-year commitments," though Transmit Security publishes no specific discount percentages or volume breakpoints.
What we know about pricing thresholds:
- 100K MAUs: The published baseline for identity and full platform pricing
- 10M Logins: The published baseline for fraud detection pricing
- 100K ID Checks: The published baseline for verification pricing
- Above these thresholds: Custom negotiation required; no published rate cards exist
Multi-year contract incentives likely exist based on standard enterprise SaaS practices, but Transmit Security discloses no specific terms. Negotiation levers typically include contract length, prepayment, committed volume, and bundling decisions.
Total Cost of Ownership: First-Year Math
The complete first-year investment extends well beyond subscription costs. For enterprise banking deployments, implementation and professional services often represent the largest cost uncertainty.
No publicly available pricing exists for professional services, implementation, or training costs. The only confirmed Year 1 cost is the subscription starting at $200,000/year for the Full Mosaic Platform at 100K MAUs. All other cost components require direct vendor engagement to quote.
Implementation timelines from named banking customers suggest faster deployment than legacy alternatives:
- Citigroup (200M accounts): "Only a few months" for initial passwordless authentication rollout
- Top 25 U.S. Bank (15M+ customers): "Just one month" for Detection & Response deployment
- FIBI (major Israeli bank): "Less than two months" for multi-factor authentication
These timelines suggest lower implementation labor costs relative to 18-month legacy platform cycles, but no professional services fee data accompanies these case studies.
Transmit Security vs. Competitors on Total Cost
The bundled versus point-solution economics represent the core value proposition for Transmit Security. The argument: paying a premium entry price for a consolidated platform costs less than assembling and integrating separate best-of-breed vendors.
Transmit Bundled vs. Okta + Point Solutions
Okta Customer Identity Cloud (Auth0) pricing at enterprise scale shows comparable entry points to Transmit Security. UK Government procurement data reveals Okta Enterprise at 100K MAUs starts at $230,000/year, with Premium tier at $260,000/year depending on tier.
But Okta alone doesn't cover fraud detection or identity verification. Building equivalent scope requires:
- Okta Customer Identity Cloud ($200,000–$260,000/year at 100K MAUs)
- Okta Identity Threat Protection (add-on pricing not published)
- A separate fraud vendor such as LexisNexis or Kount (enterprise banking pricing not publicly disclosed)
- A separate verification vendor like Onfido or Entrust (median $60,475/year based on Vendr transaction data)
- Integration services (custom connector development runs $10,000–$30,000 each)
The cumulative software cost for Okta Enterprise Premium + Onfido alone reaches approximately $290,500/year at the 100K MAU level before adding fraud detection or integration labor. This comparison excludes fraud detection costs, which remain undisclosed at enterprise scale for all vendors. Transmit's bundled $200,000/year starting price shows a potential gap of roughly $90,500 annually at this baseline, though enterprise banking volumes at 15M–200M+ accounts would require custom quotes from all vendors, making direct comparison impossible without vendor engagement.
Transmit vs. Microsoft Entra ID + Add-Ons
For enterprises already using Azure AD B2C or Entra External ID, Transmit Security positions itself as a complementary layer rather than a replacement. The Microsoft partnership enables procurement through Azure Marketplace using committed cloud budgets (MACC).
The primary benefit for Entra ID customers is procurement efficiency (using existing Microsoft spend commitments) rather than price discounts.
The value proposition for Entra ID customers:
- Add passkey/FIDO2 capabilities on top of existing Azure AD B2C user flows
- Layer fraud prevention via REST API connectors embedded in custom policies
- Integrate identity verification with Microsoft Entra Verified ID for credential issuance
Best-of-Breed Stack Economics
Building equivalent capability from separate vendors creates compounding costs:
| Component | Vendor Options | Estimated Annual Cost |
|---|---|---|
| CIAM/Identity | Okta, Auth0, Ping | $200,000–$447,612+ |
| Fraud Detection | LexisNexis, Kount, BioCatch | $36,000–$270,000+ |
| Identity Verification | Onfido, Jumio, Veriff | $22,275–$386,250+ |
| Integration Services | Internal or SI | $10,000–$300,000+ |
| Total Stack Cost | $268,275–$1,403,862+ |
These ranges combine published starting prices with estimated market rates; actual enterprise banking costs require custom quotes from all vendors.
Against Transmit's bundled starting price of $200,000/year, the arithmetic favors consolidation, but this comparison has significant caveats. Enterprise banking deployments at 15M–200M+ accounts require custom quotes from all vendors, and integration complexity varies dramatically based on existing infrastructure.
The Anti-Fragmentation Savings
Beyond direct software costs, vendor consolidation generates operational savings:
- Reduced vendor management overhead: Single contract, single relationship, single renewal negotiation
- Simplified compliance auditing: One vendor's SOC 2 report, one security questionnaire, one data processing agreement
- Unified support model: Single escalation path for identity, fraud, and verification issues
- Single security incident surface area: Fewer integration points mean fewer potential vulnerabilities
Forrester's analysis of Microsoft Entra Suite (a vendor-commissioned study) found vendor consolidation savings of $1.2M over three years and 80% reduction in engineering time for tool maintenance. While this study covers Microsoft rather than Transmit Security, the consolidation economics are relevant to platform bundling decisions.
Customer Experience Improvements
Microsoft co-marketing materials cite aggregate metrics from Mosaic deployments:
- 30%+ reduction in authentication failures
- 70% reduction in credential-related support calls
- 95% detection of credential-stuffing attacks
- 30% faster login times
- 98% positive customer feedback
Implementation, Professional Services & Hidden Costs
The true first-year investment extends well beyond subscription pricing. For enterprise banking deployments, implementation complexity and professional services often represent the largest cost uncertainty.
Professional Services Rates
Transmit Security doesn't publish rates or day rates. The Terms of Service classifies professional services as "services related to administration, training, or installation" priced per individual Order Form, with no rate card available.
Deployment Methodologies
SaaS deployment is standard, but hybrid and on-premises options exist for regulated environments. More complex architectures increase services costs.
Legacy System Integration
Banking core systems, existing IAM infrastructure, and regulatory reporting integration add complexity. RSA estimates that for complex identity governance, "implementation costs could be up to 10 times the purchase price."
Training and Change Management
Security team onboarding, developer training, and end-user adoption require dedicated investment beyond software licensing.
Support Tier Structure
Enterprise-grade SLA (99.99% uptime target) with 24×7 Level 1 support (1-hour response objective) is included in all plans. No tiered support pricing is published.
ROI & Business Case: Is Transmit Worth It?
The premium entry point demands clear ROI justification. Published case studies and operational metrics provide the foundation for building a business case.
Documented Fraud Reduction Outcomes
A top 25 U.S. financial holding company with $200B+ in total assets and 15M+ customers reported:
- 1,300% return on investment ("saving $13 for every $1 spent")
- 98% reduction in new account fraud and bot attacks
- 90% reduction in false positives
- 80% decrease in operational overhead and MFA challenges
If your fraud review costs are $2M annually, an 80% reduction in operational overhead and fraud-related expenses could save approximately $1.6M per year, potentially offsetting a significant portion of the platform subscription cost in Year 1.
Operational Efficiency Gains
- Code reduction: TIAA reported eliminating 60,000 lines of code from approximately 100,000 total
- Deployment speed: Wells Fargo described reducing an 18-month change cycle to "flip a switch"
- Authenticator deployment: New authenticators that traditionally require several months can be implemented in under a week
Payback Period Analysis
For large financial institutions, the premium entry cost can be offset within 12–18 months through operational savings from reducing multi-vendor complexity, IT overhead reduction, and fraud prevention benefits, though no published source discloses a specific first-year total cost of ownership (subscription + implementation + training + support) for banking customers at 15M–200M+ account scale.
The business case typically includes:
- Direct fraud loss reduction
- Operational cost savings from reduced manual review
- Support cost reduction from fewer authentication failures
- Compliance cost reduction from consolidated vendor management
The business case strengthens as fraud costs, operational overhead, and vendor management complexity increase. Organizations with lower fraud exposure, simpler identity requirements, or smaller user bases may find the ROI less compelling.
