Vendor Comparison

Comma Compliance vs. Smarsh

Looking for a Smarsh alternative? Comma Compliance delivers off-device capture, predictable pricing, & exam-ready exports. SEC & FINRA Compliant.

Smarsh is one of the most recognized names in communications compliance. If you’re evaluating Smarsh competitors or looking for a modern Smarsh alternative for SEC or FINRA compliance, this page compares Comma Compliance and Smarsh across capture, security, pricing, and exam readiness.

At a Glance

Smarsh is an enterprise platform built for large financial institutions. It acquired TeleMessage in 2024 to power its mobile capture: the same TeleMessage that was breached in May 2025 and has not resumed service. Comma Compliance is purpose-built for banks and broker-dealers with flat pricing, point-of-delivery capture, and open-source transparency on key capture modules.

Side-by-Side Comparison

FeatureComma ComplianceSmarsh
ArchitectureEnd-to-end — capture, archive, supervision, policy matching, and exam-ready case management, with open source transparency.Modular capture, archive, supervision, and review workflows across multiple systems
Built-in archiveYes — included in platform. Option to push to 3rd party.Yes
WORM storageYes — written at point of captureYes
iMessage capture methodPoint-of-delivery — not iCloud-dependentiCloud backup-based
WhatsApp captureYes: captures both WhatsApp Business and personal WhatsApp. Open-source.Via TeleMessage infrastructure as of 2026: services suspended as of 2025.
Signal captureYes — open-source capture code published on GitHubVia TeleMessage.
TransparencyWhatsApp and Signal capture code published openly on GitHub — no NDA, no request requiredProprietary; capture methodology not publicly disclosed
Channels supported35+ channels where conversations happen: iMessage, WhatsApp, Signal, SMS, Voice, Microsoft 365, Teams, Exchange, OneDrive, Gmail, Google Workspace, Slack, Zoom, Webex, Bloomberg Chat, Salesforce, Telegram, and more80+ channels including email, mobile, social, voice, collaboration
Pricing modelFlat monthly pricing, all platforms included. No per-connector fees, no storage overages, no export fees. $33/user active, $15/user archival.Not publicly listed; enterprise contract required; per-connector add-ons common; export fees may apply per contract
Free trialYesNot publically offered.
Personal vs. business separationAutomatic contact-based filtering — personal contacts can be excluded automaticallyStructural separation via separate compliant app, MDM containerization, or carrier-level capture
Policy processingYes — built inYes — via enterprise platform
Custom policy matchingYesYes
Case managementExam-ready — built for regulatory examination prepeDiscovery and litigation-oriented, integrating with 3rd party Vendors.
AI compliance monitoringReal-time policy scanning; human validation before escalation; no client data used for training without consent”AI-powered supervision”
Data ownershipClient retains full ownership; never sold or shared outside authorized sub-processorsEnterprise terms
InfrastructureAWS and Azure, multi-AZ clustering.AWS-based

Competitor feature descriptions reflect publicly available documentation and may not capture all capabilities. Information is reviewed periodically.

When Smarsh may be a better fit

What Happened to Smarsh’s WhatsApp and Signal Capture

Smarsh acquired TeleMessage in February 2024 to power its WhatsApp, Signal, and Telegram capture. In May 2025, TeleMessage was breached and suspended all services. A CVE was published confirming that archived messages were stored as plaintext despite end-to-end encryption claims. As of October 2025, the service remains non-functional, and new user registration is not possible. For firms evaluating Smarsh for WhatsApp or Signal archiving today, the status of that capability is a direct question worth asking before signing a contract

Smarsh users: your archive will look different

If your Comma archive looks lower volume than your Smarsh archive, that’s not a gap. That’s the difference between capturing signal and capturing noise.

Legacy archivers built around email create duplicates by design: every reply appends the prior thread, every forward duplicates the chain. Smarsh shipped Echo Cancellation in December 2024 specifically to reduce that review load.

Comma’s architecture doesn’t create the problem in the first place.

The iMessage Capture Problem

Smarsh captures iMessages via iCloud backups, requiring backup enabled, available storage, power, and a locked device. Messages are only archived after Apple’s daily backup runs, so edits or deletions beforehand are reflected in the archive. Comma captures at point of delivery, writing messages to WORM storage immediately with no dependency on iCloud.

See why firms switch from Smarsh to Comma.

A 20-minute walkthrough — real capture, real-time flagging, transparent pricing.

Due Diligence

Questions to Ask Any Compliance Vendor

  • 01

    Where exactly is the message first captured - at the point of delivery, or after a backup or sync cycle?

  • 02

    What conditions must be true for a message to be captured? What happens if any of those conditions aren't met?

  • 03

    If a user edits or deletes a message before capture occurs, what version gets archived?

  • 04

    Can you show documentation - architecture diagrams, code, or an independent audit - of how your capture actually works?

  • 05

    Where are encryption keys stored, and who controls them?

  • 06

    Are all channels included in the base price, or are there per-connector fees?

  • 07

    Are there export or egress fees?

  • 08

    Does your case management workflow support regulatory examination prep?

  • 09

    Can cases be opened directly from flagged message threads?

  • 10

    Is any client data used to train your models? Under what conditions?

  • 11

    Can we adjust, refine, or contribute feedback to my policy models? (e.g., different languages, customer-complaint responses)

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