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Technology · head to head

Alkami vs Heap

Alkami logo

Alkami

Technology

Digital banking platform for United States banks and credit unions

From
On request
Rated
-
Full reviewWebsite
Heap logo

Heap

Technology

Product analytics for the modern product team

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Heap has a free tier, so it costs nothing to try first.
  • Each has a real cost: Alkami pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.; Heap no built-in A/B testing or feature flags; requires integration with separate tools for experimentation
  • They diverge on capability: Alkami covers Retail digital banking, Heap covers Autocapture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Alkami and Heap actually diverge.

Attributes where Alkami and Heap differ
AttributeAlkamiHeap
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
FoundedUnknown2013

Identical on both: platforms (Web, iOS, Android), user rating (Not yet rated), category (Technology).

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 Alkami

  • Retail digital banking
  • Business banking
  • Digital account opening
  • Payments and money movement
  • Data and marketing
  • Extensibility framework
  • Card controls
  • Multi core integration

Only in Heap

  • Autocapture
  • Retroactive analytics
  • Session replay
  • Funnel analysis
  • User segmentation
  • Path analysis
  • Data science
  • Virtual events

What people use each for

The jobs each tool is most often brought in to do.

Alkami

  • A credit union replacing the weak digital banking bundled with its core contractnot Heap
  • A community bank that needs commercial entitlements and approvals its core vendor does not providenot Heap
  • An institution wanting digital account opening and digital banking from one vendor after the MANTL acquisitionnot Heap
  • A bank competing for deposits online and needing an onboarding funnel that works on mobilenot Heap

Heap

  • User behavior analysisnot Alkami
  • Conversion optimizationnot Alkami
  • Product adoptionnot Alkami
  • Customer journey mappingnot Alkami
  • A/B testing analysisnot Alkami

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Alkami

  • Pricing is per registered user with contractual minimums, so institutions with many enrolled but dormant users pay for accounts that never log in.
  • Alkami is a channel layer, not a core, so functionality is bounded by what the core exposes, and a poor core integration produces a slow product no amount of channel work fixes.
  • Implementation typically runs six to twelve months and requires institution staff time, which small credit unions consistently underestimate.
  • The MANTL acquisition adds account opening but also another integration programme, and consolidating on one vendor removes leverage to swap a weak module for a best of breed alternative.
  • Buying digital banking separately from the core vendor means you own the integration risk between two suppliers who will each blame the other when something breaks.

Heap

  • No built-in A/B testing or feature flags; requires integration with separate tools for experimentation
  • Group analytics and advanced features require a sales conversation, not self-serve
  • Cloud-only deployment; no self-hosted option for data security or compliance requirements
  • Session replay lacks developer debugging tools compared to PostHog
  • Pricing for Growth and Pro plans requires direct sales contact; no transparency on how pricing scales

Pricing, plan by plan

Alkami

On request
  • Alkami Digital Banking Platform$undefined/year
    • Priced per registered user per month with multi year terms
    • Minimum user commitments typical, so enrolled inactive users are still billed
    • Implementation and core integration charged separately

Heap

Free
  • FreeFree
    • Up to 10,000 monthly sessions
    • Basic charts
    • 6 months data history
  • Growth$undefined/custom
    • Custom session pricing
    • Sense AI assistant
    • 12 months data history
  • Pro$undefined/custom
    • Custom session pricing
    • Account analytics
    • Engagement matrix
  • Premier$undefined/custom
    • Custom session pricing
    • Data warehouse integration
    • Unlimited projects

Which should you pick?

Choose Alkami if

  • You need retail digital banking.
  • You work on Web, iOS, Android.
  • You also want business banking.
Alkami review

Choose Heap if

  • You need autocapture.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want retroactive analytics.
Heap review

Questions people ask

Is Alkami or Heap better?
Neither clearly leads. Alkami starts at On request and Heap at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Alkami or Heap?
Heap has a free tier; the other does not. Paid plans start at On request for Alkami and Free for Heap.
Does Alkami or Heap run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Heap for free?
Yes. Heap has a free tier, so you can try it without paying. Alkami starts at On request.
What is Alkami best used for?
Alkami is most often used for a credit union replacing the weak digital banking bundled with its core contract, a community bank that needs commercial entitlements and approvals its core vendor does not provide, an institution wanting digital account opening and digital banking from one vendor after the mantl acquisition, a bank competing for deposits online and needing an onboarding funnel that works on mobile. Of those, a credit union replacing the weak digital banking bundled with its core contract and a community bank that needs commercial entitlements and approvals its core vendor does not provide are not what Heap is typically brought in for.
What can Alkami do that Heap cannot?
Alkami covers Retail digital banking, Business banking, Digital account opening, Payments and money movement. Heap covers Autocapture, Retroactive analytics, Session replay, Funnel analysis.

Answered from the vendors’ own pages

Alkami: Does Alkami replace our core?

No. It is the digital channel and account opening layer on top of a core such as Fiserv, Jack Henry or FIS.

Heap: What does Heap's autocapture feature do?

Heap's autocapture is a single code snippet that automatically captures every click, swipe, tap, pageview, and form fill on your website and apps without requiring manual event setup. Once installed, Heap captures the entire digital experience of every user on every platform with no ongoing engineering maintenance needed.

Source
Alkami: How is it priced?

Per registered user per month on multi year contracts with minimums, so model your enrolled user count rather than your active user count.

Heap: What are Heap's pricing plans and how much do they cost?

Heap offers a Free plan for up to 10,000 monthly sessions. Growth, Pro, and Premier plans use custom session-based pricing that requires contacting sales for a quote. Free includes basic charts and 6 months data history. Growth adds the Sense AI assistant. Pro adds account analytics. Premier adds data warehouse integration and dedicated customer success management.

Source
Alkami: What did the MANTL acquisition change?

It brought deposit account opening in house, announced February 2025 at $400 million enterprise value, so account opening and digital banking can come from one vendor.

Heap: Does Heap include session replay and A/B testing?

Heap includes integrated session replay showing exactly what users did on your site. However, Heap does not include built-in A/B testing or feature flags. Teams requiring these capabilities must use separate tools or integrate with third-party platforms.

Source
Heap: What integrations does Heap support?

Heap supports over 100 integrations connecting to business tools including marketing platforms, CRMs, and data warehouses. This allows insights to reach relevant teams and ensures data flows to other business systems automatically.

Source
Heap: Does Heap offer self-hosting or is it cloud-only?

Heap is cloud-only and does not offer self-hosted options. Organizations requiring on-premises deployment should consider alternatives like PostHog which supports self-hosting alongside its cloud product.

Source
Heap: What is Sense and how does it help with analytics?

Sense Chat is Heap's AI assistant that enables users to access analytics without extensive technical knowledge. It allows teams to ask questions about user behavior and get answers directly without lengthy onboarding or technical expertise, making insights more accessible to non-technical stakeholders.

Source
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