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APIs · head to head

Aiia vs Hoppscotch

Aiia logo

Aiia

APIs

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

From
On request
Rated
-
Full reviewWebsite
Hoppscotch logo

Hoppscotch

APIs

Open-source API development ecosystem with web-based REST client

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Hoppscotch 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.; Hoppscotch open-source project with no published commercial support plans or pricing
  • They diverge on capability: Aiia covers Bank account data access, Hoppscotch covers REST Client.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Hoppscotch actually diverge.

Attributes where Aiia and Hoppscotch differ
AttributeAiiaHoppscotch
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, APIWeb, Desktop, Self-hosted
FoundedUnknown2019

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 Hoppscotch

  • REST Client
  • WebSocket
  • gRPC Client
  • GitHub
  • Documentation tools
  • CI/CD
  • Web support
  • Desktop support

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

Hoppscotch

  • API Developmentnot Aiia
  • API Gatewaynot Aiia
  • API Testingnot Aiia
  • API Documentationnot Aiia
  • Microservicesnot 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.

Hoppscotch

  • Open-source project with no published commercial support plans or pricing
  • No official enterprise tier or SLA information disclosed

Pricing, plan by plan

Aiia

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

Hoppscotch

Free
  • Open SourceFree
    • Full REST client
    • WebSocket support
    • Community
  • Teams$8/monthly
    • Team collaboration
    • Cloud sync
    • 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 Hoppscotch if

  • You need rest client.
  • You want to start without paying.
  • You work on Web, Desktop, Self-hosted.
  • You also want websocket.
Hoppscotch review

Questions people ask

Is Aiia or Hoppscotch better?
Neither clearly leads. Aiia starts at On request and Hoppscotch at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Hoppscotch?
Hoppscotch has a free tier; the other does not. Paid plans start at On request for Aiia and Free for Hoppscotch.
Does Aiia or Hoppscotch run on more platforms?
Aiia runs on Web, API. Hoppscotch runs on Web, Desktop, Self-hosted.
Can I use Hoppscotch for free?
Yes. Hoppscotch 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 Hoppscotch is typically brought in for.
What can Aiia do that Hoppscotch cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support. Hoppscotch covers REST Client, WebSocket, gRPC Client, GitHub.

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.

Hoppscotch: Is Hoppscotch free to use for API development?

Yes, Hoppscotch is a completely free, open-source API development ecosystem. There are no subscription fees, license costs, or registration requirements to access the core platform.

Source
Aiia: Does the Aiia brand still exist?

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

Hoppscotch: Can I deploy Hoppscotch on my own infrastructure?

As an open-source project, Hoppscotch can be self-hosted and deployed on your own infrastructure. The source code is available for customization and deployment in private environments.

Source
Aiia: Which banks does it cover?

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

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