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APIs · head to head

Aiia vs Portkey

Aiia logo

Aiia

APIs

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

From
On request
Rated
-
Full reviewWebsite
Portkey logo

Portkey

APIs

Observe, govern, and secure every AI interaction across your enterprise

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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.; Portkey the free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Portkey actually diverge.

Attributes where Aiia and Portkey differ
AttributeAiiaPortkey
Pricing modelquoteUnknown
PlatformsWeb, APIWeb

Identical on both: starting price (On request), free tier (No), 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 Portkey

Nothing recorded that Aiia does not also cover.

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

Portkey

  • Accessing 1,600+ language models through unified API gatewaynot Aiia
  • Monitoring and observing LLM behavior in production environmentsnot Aiia
  • Managing costs and setting budget limits for AI spendingnot Aiia
  • Implementing guardrails and PII redaction for secure AI interactionsnot 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.

Portkey

  • The free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.

Pricing, plan by plan

Aiia

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

Portkey

On request

No published plan breakdown. See the Portkey review.

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 Portkey if

Nothing in the data separates Portkey from Aiia on the points above - pick on price and on how each one feels to use.

Portkey review

Questions people ask

Is Aiia or Portkey better?
Neither clearly leads. Aiia starts at On request and Portkey at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Portkey?
Aiia starts at On request and Portkey at On request.
Does Aiia or Portkey run on more platforms?
Aiia runs on Web, API. Portkey runs on Web.
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 Portkey is typically brought in for.
What can Aiia do that Portkey cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support.

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.

Portkey: What happens if I exceed my Portkey plan's request limit?

Production tier ($49/month) charges $9 per additional 100,000 requests beyond the included 100,000. Enterprise customers have custom limits determined through their service agreement. Source: https://portkey.ai/pricing

Source
Aiia: Does the Aiia brand still exist?

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

Portkey: Can I self-host Portkey to avoid per-request billing?

Yes. Portkey offers an Open Source self-hosted version with unlimited requests at no cost, including universal API, routing, guardrails, and load balancing features. Source: https://portkey.ai/pricing

Source
Aiia: Which banks does it cover?

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

Portkey: How long does Portkey retain my logs and metrics?

Free Developer tier retains logs 3 days and metrics 30 days. Production tier retains logs 30 days and metrics 90 days. Enterprise tier offers custom retention periods. Source: https://portkey.ai/pricing

Source
Portkey: What compliance features are included in the Enterprise plan?

Enterprise tier includes SOC2 Type 2 certification, GDPR compliance, HIPAA compliance, VPC hosting, SSO, advanced guardrails, and dedicated support. Custom pricing required. Source: https://portkey.ai/pricing

Source
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