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APIs · head to head

Astra vs Basis Theory

Astra logo

Astra

APIs

Instant payments API for push-to-card, card-to-account and FedNow transfers

From
On request
Rated
-
Full reviewWebsite
Basis Theory logo

Basis Theory

APIs

Developer tokenisation platform that holds card and sensitive data inside a PCI Level 1 environment you do not operate

From
$995/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Astra push-to-card costs materially more per transaction than ACH, so a platform that switches all payouts to instant sees payment costs rise sharply, and the usual answer of charging the recipient for speed only works where recipients will pay.; Basis Theory the Starter plan is 995 US dollars a month before any volume, which is a real floor for an early stage company and puts the product out of reach of teams tokenising a few thousand records.
  • They diverge on capability: Astra covers Instant disbursements, Basis Theory covers Tokenisation API.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Astra and Basis Theory actually diverge.

Attributes where Astra and Basis Theory differ
AttributeAstraBasis Theory
Starting priceOn request$995/month
Pricing modelquotePer month by token volume
PlatformsAPI, Web, iOS, AndroidWeb, iOS, Android, Linux

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 Astra

  • Instant disbursements
  • Card to account
  • Net debit mode
  • FedNow and RTP transfers
  • ACH transfers
  • Routing logic
  • SDK
  • Sandbox

Only in Basis Theory

  • Tokenisation API
  • Hosted elements
  • Outbound proxy
  • PCI attestation of compliance
  • Processor portability
  • Reactors
  • Access controls and audit
  • PII and PHI options

What people use each for

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

Astra

  • A gig or marketplace platform paying workers to their debit cards at the end of a shift rather than on a weekly ACH cyclenot Basis Theory
  • An insurer settling small claims instantly to a claimant debit card to remove the cheque processnot Basis Theory
  • A lending product disbursing approved funds in seconds so the borrower experience matches the approval decisionnot Basis Theory
  • A consumer fintech letting users fund a new account from an existing debit card so the balance is usable immediatelynot Basis Theory

Basis Theory

  • A payments company that wants card on file without bringing its own infrastructure into PCI scope and paying for the assessment that followsnot Astra
  • A merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirernot Astra
  • A fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security reviewnot Astra
  • A team that needs to send stored card data to a third party for a one-off integration without that data traversing its own serversnot Astra

Where each one falls short

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

Astra

  • Push-to-card costs materially more per transaction than ACH, so a platform that switches all payouts to instant sees payment costs rise sharply, and the usual answer of charging the recipient for speed only works where recipients will pay.
  • Original Credit Transaction support is not universal across card issuers, so a proportion of payouts fall back to slower rails and you must build and explain a two speed experience rather than promising instant to everyone.
  • The programme depends on Cross River Bank as sponsor, a bank with concentrated fintech exposure and a documented regulatory history, so a single supervisory action on that institution is a direct operational risk to your payouts.
  • Nothing is published on pricing, and per transaction economics vary by rail and volume, so small platforms cannot estimate cost before a sales conversation and have limited leverage in it.
  • FedNow reach still depends on the recipient bank participating, so instant account-to-account is not available to every recipient and the routing logic has to degrade gracefully, which is more integration work than the single API framing suggests.

Basis Theory

  • The Starter plan is 995 US dollars a month before any volume, which is a real floor for an early stage company and puts the product out of reach of teams tokenising a few thousand records.
  • Starter is limited to the US region, so a company with European data residency requirements is pushed into a quoted Scale or Enterprise agreement immediately.
  • Log retention on Starter is 24 hours, which is well below what most security teams expect for a system holding cardholder data and forces an upgrade for reasons unrelated to volume.
  • Migrating away means moving card data out of the vault, which requires processor and assessor involvement and is slow, so the portability argument that attracts buyers cuts against them at exit.
  • An attestation of compliance covers the vendor environment, not your assessment; your assessor still decides what is in scope, and buyers occasionally discover their integration pattern pulled systems back into scope anyway.

Pricing, plan by plan

Astra

On request
  • Astra Payments$undefined/year
    • Per transaction pricing quoted by volume and rail
    • Push-to-card economics differ materially from ACH
    • Net debit mode available in place of prefunding

Basis Theory

$995/month
  • Starter$995/month
    • 20,000 tokens included
    • Production PCI Level 1 environment
    • US region only
  • Scale$undefined/month
    • Quoted
    • Higher token volumes
    • Additional regions
  • Enterprise$undefined/month
    • Quoted
    • Additional compliance options for PII and PHI
    • Responses for 95 percent of PCI SAQ D

Which should you pick?

Choose Astra if

  • You need instant disbursements.
  • You work on API, Web, iOS, Android.
  • You also want card to account.
Astra review

Choose Basis Theory if

  • You need tokenisation api.
  • You work on Web, iOS, Android, Linux.
  • You also want hosted elements.
Basis Theory review

Questions people ask

Is Astra or Basis Theory better?
Neither clearly leads. Astra starts at On request and Basis Theory at $995/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Astra or Basis Theory?
Astra starts at On request and Basis Theory at $995/month.
Does Astra or Basis Theory run on more platforms?
Astra runs on API, Web, iOS, Android. Basis Theory runs on Web, iOS, Android, Linux.
What is Astra best used for?
Astra is most often used for a gig or marketplace platform paying workers to their debit cards at the end of a shift rather than on a weekly ach cycle, an insurer settling small claims instantly to a claimant debit card to remove the cheque process, a lending product disbursing approved funds in seconds so the borrower experience matches the approval decision, a consumer fintech letting users fund a new account from an existing debit card so the balance is usable immediately. Of those, a gig or marketplace platform paying workers to their debit cards at the end of a shift rather than on a weekly ach cycle and an insurer settling small claims instantly to a claimant debit card to remove the cheque process are not what Basis Theory is typically brought in for.
What can Astra do that Basis Theory cannot?
Astra covers Instant disbursements, Card to account, Net debit mode, FedNow and RTP transfers. Basis Theory covers Tokenisation API, Hosted elements, Outbound proxy, PCI attestation of compliance.

Answered from the vendors’ own pages

Astra: Who is the sponsor bank?

Cross River Bank. All banking and payment services run through that relationship, so the bank should be part of your diligence rather than an implementation detail.

Basis Theory: Does this make us PCI compliant?

It removes cardholder data from your systems and gives you an AOC plus documented responses for most of a SAQ D. Your assessor still determines your scope, and a careless integration can pull systems back in.

Astra: Do I have to prefund payouts?

Not necessarily. Astra offers a net debit arrangement where disbursements settle against a reserve rather than a permanently funded float account, which is the main working capital argument for the product.

Basis Theory: What does it cost to start?

995 US dollars a month on Starter, including 20,000 tokens, a production PCI Level 1 environment and US hosting. Higher tiers are quoted.

Astra: Is every payout instant?

No. Push-to-card requires the recipient card issuer to support Original Credit Transactions, and FedNow requires the recipient bank to participate. The rest fall back to ACH.

Basis Theory: Can we switch payment processors without re-collecting cards?

Yes, that is the main non-compliance reason to buy it. You hold the tokens and detokenise into whichever processor you route to.

Astra: What does it cost?

Nothing is published. Pricing is per transaction and varies by rail and volume, and card rails cost considerably more than ACH.

Basis Theory: Is data stored outside the United States?

Not on Starter, which is US only. Other regions require a Scale or Enterprise agreement.

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