APIs · alternatives
Alternatives to Basis Theory
24 apis tools sit alongside Basis Theory in this directory. Below is what separates each from Basis Theory on the figures we hold, price, model, tier count and rating, and a direct comparison for every one.
- Alternatives listed
- 24
- With a free tier
- 3
- Cheaper to start
- 3
- Basis Theory starts at
- $995/month
Why people look past Basis Theory
Only what the record supports. Each point below is a figure on the Basis Theory entry measured against the tools listed beside it.
There is no free tier
The record for Basis Theory carries no free tier, so evaluating it means paying first. 3 of the 24 alternatives below can be used without paying.
What each alternative does differently
Ordered by the aggregated rating on each catalogue entry. Differences are drawn from price, pricing model, tier count and rating, the fields the category listing carries. For a feature-level difference, follow the head-to-head link on each card: those pages read both full records.
Tokenisation proxy that keeps card and personal data out of your own systems and out of PCI scope
- Starts $5 a month dearer, at $1000/month.
- Sold on a Per month model rather than Per month by token volume.
Data privacy vault that holds sensitive records outside your own systems
- Sold on a quote model rather than Per month by token volume.
- 1 tier to Basis Theory's 3.
Financial infrastructure for the internet
- Can be used without paying; Basis Theory cannot.
- Starts $995 a month cheaper, at Free.
Manage secrets and protect sensitive data
- Can be used without paying; Basis Theory cannot.
- Starts $995 a month cheaper, at Free.
- Sold on a open-source model rather than Per month by token volume.
- 2 tiers to Basis Theory's 3.
European bank API aggregation with a free restricted production tier for your own accounts
- Can be used without paying; Basis Theory cannot.
- Sold on a Per connected account per month model rather than Per month by token volume.
- 2 tiers to Basis Theory's 3.
UK banking-as-a-service from a company that holds its own full banking licence
- Starts $895 a month cheaper, at £100/month.
- Sold on a Per month with usage drawdown model rather than Per month by token volume.
Every Basis Theory alternative at a glance
A dash means the catalogue entry carries no figure, not that the answer is nothing.
| Tool | Entry price | Model | Tiers | Head to head |
|---|---|---|---|---|
| Basis Theory (this page) | $995/month | Per month by token volume | 3 | |
| Very Good SecuritySimilar scope reduction model with a longer track record and a network-level proxy approach | $1000/month | Per month | 3 | vs Basis Theory |
| SkyflowBroader privacy vault covering PII and PHI as first class rather than as an enterprise add-on | On request | Quote | 1 | vs Basis Theory |
| StripeIf you are happy to stay on one processor, its vault costs nothing extra but locks the cards to Stripe | Free | - | - | vs Basis Theory |
| HashiCorp VaultSelf-managed and far cheaper in licence terms, but you keep the data and therefore keep the PCI scope | Free | Open-source | 2 | vs Basis Theory |
| Enable Banking | Free | Per connected account per month | 2 | vs Basis Theory |
| Griffin | £100/month | Per month with usage drawdown | 3 | vs Basis Theory |
| Fintech Farm | On request | Quote | 1 | vs Basis Theory |
| Flybits | On request | Quote | 1 | vs Basis Theory |
| Lithic | On request | Quote | 1 | vs Basis Theory |
| Brite Payments | On request | Quote | 1 | vs Basis Theory |
| i2c | On request | Quote | 1 | vs Basis Theory |
| Fintecture | On request | Quote | 1 | vs Basis Theory |
| Neonomics | On request | Quote | 1 | vs Basis Theory |
| Enfuce | On request | Quote | 1 | vs Basis Theory |
| Mambu | On request | Quote | 1 | vs Basis Theory |
| Aiia | On request | Quote | 1 | vs Basis Theory |
| Marqeta | On request | Quote | 1 | vs Basis Theory |
| Highnote | On request | Quote | 1 | vs Basis Theory |
| Meniga | On request | Quote | 1 | vs Basis Theory |
| Paymentology | On request | Quote | 1 | vs Basis Theory |
| Ozone API | On request | Quote | 1 | vs Basis Theory |
| Episode Six | On request | Quote | 1 | vs Basis Theory |
| Backbase | On request | Quote | 1 | vs Basis Theory |
| 10x Banking | On request | Quote | 1 | vs Basis Theory |
Ratings are aggregated from third-party sources and imported with each catalogue entry; Softwr hosts no reviews of these products. How each figure is used is set out on the Basis Theory badges page.
Cheaper ways to solve the same problem
Free to start (3)
These publish a tier that costs nothing, so they can be evaluated before any money changes hands.
- Stripe , Free
- HashiCorp Vault , Free
- Enable Banking , Free
Cheaper than Basis Theory (3)
Entry price under Basis Theory's $995/month. The record does not say what unit that price is charged in, so confirm per-seat versus flat rate before comparing budgets.
- Stripe , Free
- HashiCorp Vault , Free
- Griffin , £100/month
What you would be giving up
Basis Theory is most often brought in for a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows, a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer, a fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security review, a team that needs to send stored card data to a third party for a one-off integration without that data traversing its own servers. Anything replacing it has to cover the ones you actually depend on, and a cheaper tool that misses one of them is not cheaper.
Two things this page cannot settle. It compares on price, model, tier count and rating, because those are the fields the category listing carries, feature-level differences need both full records, which is what the head-to-head pages load. And the ratings are third-party aggregates imported with each entry rather than reviews written here, so a 0.2 difference between two tools is noise rather than a finding.
If Basis Theory is broadly right and the question is cost, the Basis Theory pricing breakdown covers every tier and what each one adds. If you want the whole field rather than a shortlist, the APIs category lists everything the directory holds, and best apis tools ranks them.
Basis Theory runs on web, ios, android, linux. Platform coverage is not carried on the category listing for the alternatives, so it is one more thing to check on each head-to-head page rather than here.
Questions about Basis Theory alternatives
- What are the main alternatives to Basis Theory?
- 24 other apis tools are listed in this directory, led by Very Good Security, Skyflow, Stripe, HashiCorp Vault. They are ordered by the aggregated rating on each catalogue entry, not by any Softwr ranking.
- What is the best free alternative to Basis Theory?
- 3 of the alternatives listed here can be used without paying: Stripe, HashiCorp Vault, Enable Banking.
- Is there a cheaper alternative to Basis Theory?
- Yes. 3 of the alternatives below start under Basis Theory's $995/month: Stripe at Free, HashiCorp Vault at Free, Griffin at £100/month.
- Why do people look for an alternative to Basis Theory?
- On the figures on record, one thing stands out: there is no free tier. Each is set out with the numbers behind it above.
- What would I give up by switching from Basis Theory?
- Basis Theory is most often brought in for a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows, a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer, a fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security review, a team that needs to send stored card data to a third party for a one-off integration without that data traversing its own servers. Anything you replace it with has to cover the ones you actually rely on, the side-by-side comparisons linked from each alternative below put the two feature records against each other.
- Is there an open-source alternative to Basis Theory?
- HashiCorp Vault is recorded with an open-source licence model.
- How were these Basis Theory alternatives chosen?
- They are the tools filed in the same category, APIs, ordered by the aggregated rating on each entry. There is no editorial shortlist, and nothing on this page is paid: no sponsored placement runs on alternatives pages and the order cannot be bought. Softwr has not used these products.
- Where can I compare Basis Theory against one of these directly?
- Every alternative below has a side-by-side page against Basis Theory covering price, platforms, features and what each one is used for. Those pages read the full record for both products rather than the summary shown here.
- Does this list cover every apis tool?
- No. It covers what this directory holds in the APIs category, 24 tools beside Basis Theory. The category page lists the rest of the catalogue as it grows.