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APIs · head to head

Aiia vs Apidog

Aiia logo

Aiia

APIs

Open banking and open finance API platform, now operating as Mastercard Open Banking

From
On request
Rated
-
Full reviewWebsite
Apidog logo

Apidog

APIs

All-in-one platform for API design, documentation, testing, and mocking

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Apidog has a free tier, so it costs nothing to try first.
  • Each has a real cost: Aiia it is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.; Apidog free plan is capped at 4 users, limiting larger teams from using it at no cost.
  • They diverge on capability: Aiia covers Bank account data access, Apidog covers API design and documentation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Apidog actually diverge.

Attributes where Aiia and Apidog differ
AttributeAiiaApidog
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, APIweb, windows, mac, linux

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Aiia

  • Bank account data access
  • Payment initiation
  • Mastercard Open Finance integration
  • Modern authentication support
  • Multi-country coverage
  • Developer documentation and sandbox

Only in Apidog

  • API design and documentation
  • Mock servers
  • Automated testing
  • Team collaboration
  • Scheduled imports
  • Branded documentation

What people use each for

The jobs each tool is most often brought in to do.

Aiia

  • A lending or credit product needing affordability checks via European bank account datanot Apidog
  • A personal finance or accounting product needing transaction history across Nordic and European banksnot Apidog
  • A payments product wanting account-to-account payment initiation under open banking regulationnot Apidog
  • A business wanting the stability and continued investment of Mastercard ownership behind its banking connectivity providernot Apidog

Apidog

  • Designing and documenting APIs in a shared team workspacenot Aiia
  • Mocking API responses for frontend development before backend is readynot Aiia
  • Running automated API test suitesnot Aiia
  • Replacing separate Postman, Swagger, and mock-server tools with one platformnot Aiia

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Aiia

  • It is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.
  • Pricing is not published and requires engaging Mastercard's open finance sales process, which can be a heavier sales motion than dealing with a smaller independent open banking provider.
  • Its strongest bank coverage remains concentrated in the Nordics and Northern Europe, so companies needing dense coverage in Southern or Eastern Europe should verify current bank connectivity before committing.
  • Brand confusion is real: developer documentation, login portals and older case studies still reference "Aiia" while newer Mastercard material refers to "Mastercard Open Banking," and a company researching either name in isolation may miss half the relevant material.
  • As with any open banking platform, reliability still depends on the consistency of the underlying banks' own APIs, which is a systemic industry issue rather than something Aiia specifically controls.

Apidog

  • Free plan is capped at 4 users, limiting larger teams from using it at no cost.
  • Faster scheduled imports and unlimited projects require the Professional tier or higher.
  • Smaller community and plugin ecosystem compared to long-established tools like Postman.
  • Advanced enterprise security controls require the top-tier Enterprise plan.

Pricing, plan by plan

Aiia

On request
  • Aiia Enterprise (Mastercard Open Banking)$undefined/year
    • Pricing not published, quote via Mastercard Open Finance sales

Apidog

Free
  • FreeFree
    • Up to 4 users
    • Core design, mock, and testing features
  • Basic$9/month
    • Per-seat pricing billed annually
    • Expanded team collaboration
  • Professional$18/month
    • Unlimited projects
    • Team-level shared variables
    • Faster scheduled imports
  • Enterprise$27/month
    • Advanced admin and security controls
    • Priority support

Which should you pick?

Choose Aiia if

  • You need bank account data access.
  • You work on Web, API.
  • You also want payment initiation.
Aiia review

Choose Apidog if

  • You need api design and documentation.
  • You want to start without paying.
  • You work on web, windows, mac, linux.
  • You also want mock servers.
Apidog review

Questions people ask

Is Aiia or Apidog better?
Neither clearly leads. Aiia starts at On request and Apidog at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Apidog?
Apidog has a free tier; the other does not. Paid plans start at On request for Aiia and Free for Apidog.
Does Aiia or Apidog run on more platforms?
Aiia runs on Web, API. Apidog runs on web, windows, mac, linux.
Can I use Apidog for free?
Yes. Apidog has a free tier, so you can try it without paying. Aiia starts at On request.
What is Aiia best used for?
Aiia is most often used for a lending or credit product needing affordability checks via european bank account data, a personal finance or accounting product needing transaction history across nordic and european banks, a payments product wanting account-to-account payment initiation under open banking regulation, a business wanting the stability and continued investment of mastercard ownership behind its banking connectivity provider. Of those, a lending or credit product needing affordability checks via european bank account data and a personal finance or accounting product needing transaction history across nordic and european banks are not what Apidog is typically brought in for.
What can Aiia do that Apidog cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support. Apidog covers API design and documentation, Mock servers, Automated testing, Team collaboration.

Answered from the vendors’ own pages

Aiia: Is Aiia still an independent company?

No, it was acquired by Mastercard in 2021 and now operates as part of Mastercard Open Finance Solutions, referenced as Aiia Enterprise.

Apidog: What does Apidog cost?

Apidog offers a free plan for up to 4 users, with paid per-seat plans at roughly $9/month for Basic, $18/month for Professional, and $27/month for Enterprise when billed annually.

Source
Aiia: Does the Aiia brand still exist?

Yes, in developer documentation and login portals, but the company behind it is Mastercard.

Apidog: Is there a free plan, and what are its limits?

The free plan supports up to 4 users with access to core design, documentation, mocking, and testing features.

Source
Aiia: Which banks does it cover?

Around 3,000 European banks, with strongest coverage in the Nordics and Northern Europe.

Apidog: Can I try paid plans before subscribing?

Paid plans include a 14-day free trial, giving teams full access to premium features before committing to a subscription.

Source
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