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APIs · head to head

AWS API Gateway vs Yapily

AWS API Gateway logo

AWS API Gateway

APIs

Fully managed API gateway service for creating and managing APIs at scale

From
Free
Rated
-
Full reviewWebsite
Yapily logo

Yapily

APIs

Open banking API infrastructure for account data and pay-by-bank payments across Europe

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: AWS API Gateway rEST APIs cost $3.50 per million calls against $1.00 for HTTP APIs, so the older and more featureful type is three and a half times dearer; Yapily production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • They diverge on capability: AWS API Gateway covers REST APIs, Yapily covers Unified open banking API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which AWS API Gateway and Yapily actually diverge.

Attributes where AWS API Gateway and Yapily differ
AttributeAWS API GatewayYapily
Pricing modelusage-basedFree sandbox, pay-as-you-go production
PlatformsAWS CloudWeb, API
Founded2006Unknown

Identical on both: starting price (Free), free tier (Yes), 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 AWS API Gateway

  • REST APIs
  • WebSocket APIs
  • HTTP APIs
  • Lambda
  • EC2
  • DynamoDB
  • CloudWatch
  • IAM

Only in Yapily

  • Unified open banking API
  • Account information access
  • Payment initiation
  • Free sandbox
  • Multi-country bank coverage
  • Webhooks and reconciliation tooling

What people use each for

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

AWS API Gateway

  • Fronting Lambda functions with an HTTP endpointnot Yapily
  • REST and HTTP API management with throttling and keysnot Yapily
  • WebSocket APIs for real-time clientsnot Yapily
  • Private APIs reachable only inside a VPCnot Yapily
  • Publishing a developer portal for API consumersnot Yapily

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot AWS API Gateway
  • A lending or budgeting product needing bank account data for affordability checksnot AWS API Gateway
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot AWS API Gateway
  • A company prototyping open banking features for free in sandbox before committing budgetnot AWS API Gateway

Where each one falls short

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

AWS API Gateway

  • REST APIs cost $3.50 per million calls against $1.00 for HTTP APIs, so the older and more featureful type is three and a half times dearer
  • Data transfer out is charged at $0.09 per GB on top of request pricing
  • WebSocket APIs bill connection minutes as well as messages, at $0.25 per million minutes
  • Private APIs avoid data transfer charges but incur AWS PrivateLink costs instead
  • The developer portal is $125 a month, with additional portal products at $12.50 each
  • The free tier lasts 12 months rather than being ongoing

Yapily

  • Production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • Consumer adoption of pay-by-bank still lags card payments, so merchants offering it as a checkout option typically see it used as a secondary rather than primary payment method.
  • Coverage depends on the banks in each country maintaining reliable open banking APIs, and inconsistent bank-side reliability across markets is a known category-wide weakness, not unique to Yapily but not solved by it either.
  • As infrastructure for both account data and payments, a company only needing one of those two capabilities is still evaluating a broader platform than it may need.
  • Regulatory dependence on PSD2 and UK open banking rules means the underlying legal framework, not just Yapily's product, could shift and affect what is possible on the platform.

Pricing, plan by plan

AWS API Gateway

Free
  • Free Tier (12 months)Free
    • 1M REST API calls per month
    • 1M HTTP API calls per month
    • 1M WebSocket messages plus 750K connection minutes per month
  • HTTP APIs$1/per million requests (first 300M)
    • First 300M: $1.00 per million
    • Next 132M: $0.90 per million
    • Data transfer varies by volume
  • REST APIs$3.5/per million API calls
    • Edge Optimized and Regional: $3.50 per million (first tier)
    • Higher volumes: $2.80 then $2.38 per million
    • Data transfer: $0.09 per GB
  • WebSocket APIs$1/per million messages
    • Messages: $1.00 per million
    • Connection minutes: $0.25 per million minutes

Yapily

Free
  • SandboxFree
    • Free testing environment
    • UK and European bank connections for development
  • Production$undefined/month
    • Pay-as-you-go pricing, exact rates not published
    • Typical pay-by-bank cost of 0.1 to 0.5% or a flat 5 to 30 pence per transaction

Which should you pick?

Choose AWS API Gateway if

  • You need rest apis.
  • You want to start without paying.
  • You work on AWS Cloud.
  • You also want websocket apis.
AWS API Gateway review

Choose Yapily if

  • You need unified open banking api.
  • You want to start without paying.
  • You work on Web, API.
  • You also want account information access.
Yapily review

Questions people ask

Is AWS API Gateway or Yapily better?
Neither clearly leads. AWS API Gateway starts at Free and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, AWS API Gateway or Yapily?
AWS API Gateway starts at Free and Yapily at Free.
Does AWS API Gateway or Yapily run on more platforms?
AWS API Gateway runs on AWS Cloud. Yapily runs on Web, API.
Can I use AWS API Gateway for free?
Both have a free tier, so you can try either at no cost before committing.
What is AWS API Gateway best used for?
AWS API Gateway is most often used for fronting lambda functions with an http endpoint, rest and http api management with throttling and keys, websocket apis for real-time clients, private apis reachable only inside a vpc. Of those, fronting lambda functions with an http endpoint and rest and http api management with throttling and keys are not what Yapily is typically brought in for.
What can AWS API Gateway do that Yapily cannot?
AWS API Gateway covers REST APIs, WebSocket APIs, HTTP APIs, Lambda. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

AWS API Gateway: How much does AWS API Gateway cost?

AWS API Gateway pricing varies by API type. HTTP APIs cost $1.00 per million requests for the first 300M monthly, then $0.90 per million. REST APIs cost $3.50 per million, and WebSocket APIs cost $1.00 per million messages plus $0.25 per million connection minutes. Data transfer charges ($0.09 per GB) apply separately.

Source
Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

AWS API Gateway: Is AWS API Gateway free?

New AWS customers receive 12 months of free tier access including 1 million REST API calls, 1 million HTTP API calls, and 1 million WebSocket messages plus 750,000 connection minutes per month. Starting July 15, 2025, new customers receive up to $200 in AWS Free Tier credits.

Source
Yapily: How much cheaper is pay-by-bank than card payments?

Typically 0.1 to 0.5% of transaction value, or a flat 5 to 30 pence, against 1.5 to 3.5% for card scheme fees.

AWS API Gateway: What is the price difference between HTTP and REST APIs?

HTTP APIs are significantly cheaper at $1.00 per million requests compared to REST APIs at $3.50 per million (first tier). REST API pricing decreases to $2.80 and $2.38 per million for higher volumes, while HTTP API pricing drops to $0.90 per million after 300M monthly requests.

Source
Yapily: Is production pricing published?

No, production access is pay-as-you-go but exact rates require a sales conversation.

AWS API Gateway: How much does an API Gateway Portal cost?

API Gateway Portals require a base fee of $125 per month (includes 10 PortalProducts with 40 endpoints each) plus $12.50 per month for each additional PortalProduct beyond the included 10.

Source
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