APIs · head to head
Aiia vs Prisma
Aiia
APIs
Open banking and open finance API platform, now operating as Mastercard Open Banking
- From
- On request
- Rated
- -
The short version
- Only Prisma 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- They diverge on capability: Aiia covers Bank account data access, Prisma covers ORM.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Aiia and Prisma actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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 Prisma
- A personal finance or accounting product needing transaction history across Nordic and European banksnot Prisma
- A payments product wanting account-to-account payment initiation under open banking regulationnot Prisma
- A business wanting the stability and continued investment of Mastercard ownership behind its banking connectivity providernot Prisma
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Aiia
- Adding a managed connection pool and edge cache in front of an existing databasenot 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.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Pricing, plan by plan
Aiia
On request- Aiia Enterprise (Mastercard Open Banking)$undefined/year
- Pricing not published, quote via Mastercard Open Finance sales
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Which should you pick?
Choose Aiia if
- You need bank account data access.
- You work on Web, API.
- You also want payment initiation.
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Questions people ask
- Is Aiia or Prisma better?
- Neither clearly leads. Aiia starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Aiia or Prisma?
- Prisma has a free tier; the other does not. Paid plans start at On request for Aiia and Free for Prisma.
- Does Aiia or Prisma run on more platforms?
- Aiia runs on Web, API. Prisma runs on Node.js, TypeScript.
- Can I use Prisma for free?
- Yes. Prisma 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 Prisma is typically brought in for.
- What can Aiia do that Prisma cannot?
- Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support. Prisma covers ORM, Query builder, Auto-migrations, Node.js.
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.
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceAiia: Does the Aiia brand still exist?
Yes, in developer documentation and login portals, but the company behind it is Mastercard.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceAiia: Which banks does it cover?
Around 3,000 European banks, with strongest coverage in the Nordics and Northern Europe.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceRelated pages
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