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APIs · head to head

Aiia vs Strapi

Aiia logo

Aiia

APIs

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

From
On request
Rated
-
Full reviewWebsite
Strapi logo

Strapi

APIs

Headless CMS with REST and GraphQL APIs

From
$35/month
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.; Strapi cloud pricing is per project, not per account, so a second project doubles the bill
  • They diverge on capability: Aiia covers Bank account data access, Strapi covers REST API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Strapi actually diverge.

Attributes where Aiia and Strapi differ
AttributeAiiaStrapi
Starting priceOn request$35/month
Pricing modelquotesubscription
PlatformsWeb, APINode.js, Cloud, Self-hosted, Docker
FoundedUnknown2015

Identical on both: 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 Strapi

  • REST API
  • GraphQL API
  • Content management
  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Webhooks

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

Strapi

  • Running a self hosted headless CMS with a REST or GraphQL APInot Aiia
  • Giving editors a content admin panel over a custom content modelnot 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.

Strapi

  • Cloud pricing is per project, not per account, so a second project doubles the bill
  • Starter at $35 a month allows 100,000 API requests, and overage is $1.50 per 25,000
  • Extra bandwidth is $30 per 100 GB and extra asset storage $0.60 per GB
  • Backups start at the Pro plan, weekly, and only become daily at Business
  • An uptime SLA is Business only, at $450 a month per project
  • Additional environments cost $60 a month on Pro and $300 a month on Business

Pricing, plan by plan

Aiia

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

Strapi

$35/month
  • Starter$35/month
    • 100k API requests
    • 50 GB asset storage
    • 50 GB asset bandwidth
  • Pro$90/month
    • 1M API requests
    • 250 GB asset storage
    • 500 GB asset bandwidth
  • Business$450/month
    • 10M API requests
    • 1000 GB asset storage
    • 1000 GB asset bandwidth

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 Strapi if

  • You need rest api.
  • You work on Node.js, Cloud, Self-hosted, Docker.
  • You also want graphql api.
Strapi review

Questions people ask

Is Aiia or Strapi better?
Neither clearly leads. Aiia starts at On request and Strapi at $35/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Strapi?
Aiia starts at On request and Strapi at $35/month.
Does Aiia or Strapi run on more platforms?
Aiia runs on Web, API. Strapi runs on Node.js, Cloud, Self-hosted, Docker.
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 Strapi is typically brought in for.
What can Aiia do that Strapi cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support. Strapi covers REST API, GraphQL API, Content management, PostgreSQL.

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.

Strapi: How much do API request overages cost?

Additional API requests beyond the plan limit cost $1.50 per 25000 requests. Extra asset storage costs $0.60 per GB, and additional bandwidth costs $30 per 100 GB.

Source
Aiia: Does the Aiia brand still exist?

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

Strapi: Is yearly billing available?

Yes, yearly billing saves up to 17% compared to monthly billing on Strapi Cloud plans.

Source
Aiia: Which banks does it cover?

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

Strapi: What is included with the Pro plan?

The Pro plan costs $90 per month per project and includes 1M API requests, 250 GB asset storage, 500 GB bandwidth, multi-environment support, weekly backups, and manual backups.

Source
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