APIs · head to head
Akoya vs Zimpler
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Zimpler
APIs
Nordic and Brazilian account-to-account payments for regulated high-risk sectors
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Akoya coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
- They diverge on capability: Akoya covers FDX standard APIs, Zimpler covers Bank payments.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Akoya and Zimpler actually diverge.
Identical on both: starting price (On request), pricing model (quote), 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 Akoya
- FDX standard APIs
- Token-based access
- Investment data
- Accounts, balances and transactions
- Statements and tax forms
- Customer identity
- Consumer permission management
- Single integration
Only in Zimpler
- Bank payments
- BankID identity
- Payouts
- Recurring payments
- Risk screening
- Brazil coverage
What people use each for
The jobs each tool is most often brought in to do.
Akoya
- A wealth management platform that needs Fidelity brokerage holdings and tax lots, which cannot be scraped since Fidelity closed that route in October 2023not Zimpler
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Zimpler
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Zimpler
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Zimpler
Zimpler
- A Swedish gambling operator needing deposit and verified identity in a single customer flownot Akoya
- A Nordic merchant wanting instant bank payouts rather than card refundsnot Akoya
- A trading platform where confirming account ownership before funding is a regulatory requirementnot Akoya
- A European operator expanding into Brazil and wanting one provider across both marketsnot Akoya
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Akoya
- Coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.
- The network is owned by large banks, so roadmap and coverage priorities reflect owner interests rather than those of the fintechs consuming the data, and a recipient has no leverage over which institutions are added next.
- Data availability is decided institution by institution, meaning a bank may expose balances but not transactions or investments, and recipients must verify field-level coverage per institution rather than assume the FDX model is fully populated.
- Pricing is unpublished and usage based, which makes it difficult to compare against aggregator pricing during a build-versus-buy decision and forces a sales cycle before you can model cost.
- The token model requires the institution to have implemented its side, so newly onboarded institutions arrive on the institution timetable, not yours, and a launch dependent on a specific bank can slip badly.
Zimpler
- Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
- As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
- Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
- Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
- Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Zimpler
On request- Zimpler payments$undefined/year
- Per-transaction pricing quoted by industry, risk and volume
- Separate pricing for payouts and identity verification
- Merchant underwriting required, with sector restrictions
Which should you pick?
Choose Zimpler if
- You need bank payments.
- You work on Web, REST API.
- You also want bankid identity.
Questions people ask
- Is Akoya or Zimpler better?
- Neither clearly leads. Akoya starts at On request and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Zimpler?
- Akoya starts at On request and Zimpler at On request.
- Does Akoya or Zimpler run on more platforms?
- Akoya runs on Web. Zimpler runs on Web, REST API.
- What is Akoya best used for?
- Akoya is most often used for a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023, a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs, a lender that needs a permissioning trail defensible under cfpb section 1033 rather than a credential-sharing arrangement, a bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interface. Of those, a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023 and a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs are not what Zimpler is typically brought in for.
- What can Akoya do that Zimpler cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.
Answered from the vendors’ own pages
Akoya: Who owns Akoya?
A group of large US banks. It was spun out of Fidelity, which is why Fidelity data access runs through it.
Zimpler: Which markets does Zimpler cover?
Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.
Akoya: Is Akoya screen scraping?
No. It uses FDX standard APIs with OpenID Connect tokens, so credentials are never shared with or stored by the data recipient.
Zimpler: Does it handle identity verification?
Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.
Akoya: Can we use Akoya alone instead of an aggregator?
Usually not. Its investment and large-institution coverage is excellent, but the long tail of smaller institutions is thinner, so most teams run both.
Zimpler: Is pricing published?
No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.
Akoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
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