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APIs · head to head

Aiia vs Janus Gateway

Aiia logo

Aiia

APIs

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

From
On request
Rated
-
Full reviewWebsite
Janus Gateway logo

Janus Gateway

APIs

WebRTC gateway and media server for real-time communication

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Janus Gateway 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.; Janus Gateway no commercial pricing published; open-source project without official commercial offerings
  • They diverge on capability: Aiia covers Bank account data access, Janus Gateway covers WebRTC Gateway.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Janus Gateway actually diverge.

Attributes where Aiia and Janus Gateway differ
AttributeAiiaJanus Gateway
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWeb, APILinux, MacOS, BSD
FoundedUnknown2010

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 Janus Gateway

  • WebRTC Gateway
  • Media Routing
  • Video Conferencing
  • RTP
  • SRTP
  • REST API
  • Linux support
  • MacOS 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 Janus Gateway
  • A personal finance or accounting product needing transaction history across Nordic and European banksnot Janus Gateway
  • A payments product wanting account-to-account payment initiation under open banking regulationnot Janus Gateway
  • A business wanting the stability and continued investment of Mastercard ownership behind its banking connectivity providernot Janus Gateway

Janus Gateway

  • 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.

Janus Gateway

  • No commercial pricing published; open-source project without official commercial offerings
  • Community-supported only; no vendor commercial support or SLA available

Pricing, plan by plan

Aiia

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

Janus Gateway

Free
  • Open SourceFree
    • Core WebRTC gateway
    • Community 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 Janus Gateway if

  • You need webrtc gateway.
  • You want to start without paying.
  • You work on Linux, MacOS, BSD.
  • You also want media routing.
Janus Gateway review

Questions people ask

Is Aiia or Janus Gateway better?
Neither clearly leads. Aiia starts at On request and Janus Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Janus Gateway?
Janus Gateway has a free tier; the other does not. Paid plans start at On request for Aiia and Free for Janus Gateway.
Does Aiia or Janus Gateway run on more platforms?
Aiia runs on Web, API. Janus Gateway runs on Linux, MacOS, BSD.
Can I use Janus Gateway for free?
Yes. Janus Gateway 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 Janus Gateway is typically brought in for.
What can Aiia do that Janus Gateway cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support. Janus Gateway covers WebRTC Gateway, Media Routing, Video Conferencing, RTP.

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.

Janus Gateway: How much does Janus Gateway cost?

Janus Gateway has no pricing model; it is a free open-source WebRTC server developed by Meetecho. The general-purpose server is available for download at no cost. There are no subscription tiers or commercial licensing fees.

Source
Aiia: Does the Aiia brand still exist?

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

Janus Gateway: Is Janus Gateway supported commercially?

Janus Gateway is community-supported open-source software with no official commercial support or SLA from the vendors. While Meetecho developed the project, users must rely on community documentation and forums for assistance.

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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