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APIs · head to head

Apigee vs Tink

Apigee logo

Apigee

APIs

API management platform for designing, securing, and scaling APIs

From
$500/monthly
Rated
-
Full reviewWebsite
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Apigee the free evaluation is a sandbox limited to 60 days; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • They diverge on capability: Apigee covers API Gateway, Tink covers Account data access.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Apigee and Tink actually diverge.

Attributes where Apigee and Tink differ
AttributeApigeeTink
Starting price$500/monthlyOn request
Pricing modelsubscriptionquote
PlatformsCloud, Hybrid, On-premisesAPI, Web
Founded2006Unknown

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 Apigee

  • API Gateway
  • API Analytics
  • Developer Portal
  • Google Cloud services
  • Azure
  • AWS
  • Okta
  • Cloud support

Only in Tink

  • Account data access
  • Payment initiation
  • EEA passporting
  • Categorisation
  • Account verification
  • Risk and affordability signals
  • Variable recurring payments support
  • Consent management

What people use each for

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

Apigee

  • Publishing, securing and versioning APIs for an enterprise API programnot Tink
  • Monetizing APIs and running a developer portalnot Tink
  • Analyzing API traffic and defending APIs against bots and abusenot Tink

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Apigee
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Apigee
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Apigee
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Apigee

Where each one falls short

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

Apigee

  • The free evaluation is a sandbox limited to 60 days
  • Pay-as-you-go has no SLA available at all
  • Pay-as-you-go bills environments separately from API calls, with a Base environment costing $365 per month per region
  • The Base environment is capped at 50 QPS with an SLA of up to 99%
  • Standard API Proxy calls are billed at $20 per 1M calls up to 50M, and Extensible API Proxy calls at $100 per 1M calls up to 50M
  • API Analytics is a paid add-on at $20 per 1M API calls and cannot be bought on a Base environment
  • Advanced API Security is a paid add-on at $350 per 1M API calls and cannot be bought on a Base environment
  • Monetization is unavailable on pay-as-you-go and requires a subscription tier
  • Additional API proxy deployments beyond those included cost $0.04 per hour per region on a Comprehensive environment
  • Subscription tiers Standard, Enterprise and Enterprise Plus are quote only with no published price
  • Google Cloud networking charges for IP addresses, data transfer out and forwarding rules are billed on top of Apigee usage

Tink

  • Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
  • PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
  • Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
  • Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

Pricing, plan by plan

Apigee

$500/monthly
  • Starter$500/monthly
    • API gateway
    • Analytics
    • Developer portal
  • Professional$2500/monthly
    • Advanced security
    • Traffic management
    • Monetization
  • Enterprise$undefined/monthly
    • Custom deployment
    • SLA
    • Dedicated support

Tink

On request
  • Tink Platform$undefined/year
    • Priced by product, market and volume
    • Data access and payment initiation priced separately
    • Annual commitments typical for enterprise agreements

Which should you pick?

Choose Apigee if

  • You need api gateway.
  • You work on Cloud, Hybrid, On-premises.
  • You also want api analytics.
Apigee review

Choose Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is Apigee or Tink better?
Neither clearly leads. Apigee starts at $500/monthly and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apigee or Tink?
Apigee starts at $500/monthly and Tink at On request.
Does Apigee or Tink run on more platforms?
Apigee runs on Cloud, Hybrid, On-premises. Tink runs on API, Web.
What is Apigee best used for?
Apigee is most often used for publishing, securing and versioning apis for an enterprise api program, monetizing apis and running a developer portal, analyzing api traffic and defending apis against bots and abuse. Of those, publishing, securing and versioning apis for an enterprise api program and monetizing apis and running a developer portal are not what Tink is typically brought in for.
What can Apigee do that Tink cannot?
Apigee covers API Gateway, API Analytics, Developer Portal, Google Cloud services. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

Apigee: Does Apigee offer a free tier?

Yes, Apigee offers an always-free tier with access to 20+ products for common API management use cases, and a separate free trial providing $300 in credit for proof-of-concept projects.

Source
Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Apigee: What is Apigee's pricing model?

Apigee uses a pay-as-you-go pricing model where customers pay based on API calls and usage, with a new pay-as-you-go model designed to optimize costs.

Source
Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

Apigee: Is there a commitment required to start with Apigee?

No. The free trial provides $300 in credit with no automatic charges or commitment required, allowing customers to evaluate the platform risk-free.

Source
Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Apigee: Are there usage limits I should know about?

Apigee documentation includes a limits page covering usage constraints, though specific limits are not detailed in the pricing section.

Source
Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

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