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APIs · head to head

Microsoft Azure API Management vs Yapily

Microsoft Azure API Management logo

Microsoft Azure API Management

APIs

Hybrid, multi-cloud API management service on Azure

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: Microsoft Azure API Management prices are not shown on the pricing page itself; every tier renders as a placeholder and routes to the calculator or sales; 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: Microsoft Azure API Management covers API Gateway, 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 Microsoft Azure API Management and Yapily actually diverge.

Attributes where Microsoft Azure API Management and Yapily differ
AttributeMicrosoft Azure API ManagementYapily
Pricing modelsubscriptionFree sandbox, pay-as-you-go production
PlatformsCloud, Hybrid, Multi-cloudWeb, API
Founded1975Unknown

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 Microsoft Azure API Management

  • API Gateway
  • Developer Portal
  • API Policies
  • Azure services
  • AWS
  • Google Cloud
  • On-premises
  • Cloud support

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.

Microsoft Azure API Management

  • API gateway and lifecycle management on Azurenot Yapily
  • Throttling, keys and policies in front of backend servicesnot Yapily
  • Developer portal for internal and partner APIsnot Yapily
  • Hybrid deployments using self-hosted gatewaysnot Yapily

Yapily

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

Where each one falls short

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

Microsoft Azure API Management

  • Prices are not shown on the pricing page itself; every tier renders as a placeholder and routes to the calculator or sales
  • Two parallel generations of tiers, classic and v2, so the choice is which lineage before which size
  • The Developer tier is explicitly not for production
  • Self-hosted gateways and workspace gateways are charged separately from the service

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

Microsoft Azure API Management

Free
  • ConsumptionFree
    • 0-1 million API operations free monthly per subscription
  • Basic v2$undefined/mo
    • 10 million API requests included monthly
  • Standard v2$undefined/mo
    • 50 million API requests included monthly
  • Premium v2$undefined/mo
    • Unlimited included API requests

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 Microsoft Azure API Management if

  • You need api gateway.
  • You want to start without paying.
  • You work on Cloud, Hybrid, Multi-cloud.
  • You also want developer portal.
Microsoft Azure API Management 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 Microsoft Azure API Management or Yapily better?
Neither clearly leads. Microsoft Azure API Management 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, Microsoft Azure API Management or Yapily?
Microsoft Azure API Management starts at Free and Yapily at Free.
Does Microsoft Azure API Management or Yapily run on more platforms?
Microsoft Azure API Management runs on Cloud, Hybrid, Multi-cloud. Yapily runs on Web, API.
Can I use Microsoft Azure API Management for free?
Both have a free tier, so you can try either at no cost before committing.
What is Microsoft Azure API Management best used for?
Microsoft Azure API Management is most often used for api gateway and lifecycle management on azure, throttling, keys and policies in front of backend services, developer portal for internal and partner apis, hybrid deployments using self-hosted gateways. Of those, api gateway and lifecycle management on azure and throttling, keys and policies in front of backend services are not what Yapily is typically brought in for.
What can Microsoft Azure API Management do that Yapily cannot?
Microsoft Azure API Management covers API Gateway, Developer Portal, API Policies, Azure services. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Microsoft Azure API Management: Is Azure API Management free?

Azure API Management offers a Consumption tier with a free tier that includes 0-1 million API operations per subscription monthly at no cost, then charges per operation beyond that. Classic Consumption tier is pay-as-you-go billing.

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

Yes, sandbox access is free for development and testing.

Microsoft Azure API Management: What are the API request limits for Azure API Management's v2 tiers?

Basic v2 includes 10 million API requests monthly, Standard v2 includes 50 million monthly, and Premium v2 includes unlimited API requests. Additional requests beyond included amounts incur standard rates.

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.

Microsoft Azure API Management: What cache capacity does each Azure API Management tier provide?

Basic v2 provides 250 MB built-in cache, Standard v2 provides 1 GB cache, and Premium v2 provides 5 GB cache capacity for response caching.

Source
Yapily: Is production pricing published?

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

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