APIs · head to head
Basis Theory vs WorldRemit
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
- -
The short version
- Each has a real cost: 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.; WorldRemit no transfer fee, exchange rate margin or sending limit is published on the site; rates and limits are shown only after choosing a destination country and receive method
- They diverge on capability: Basis Theory covers Tokenisation API, WorldRemit covers International transfers.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Basis Theory and WorldRemit actually diverge.
| Attribute | Basis Theory | WorldRemit |
|---|---|---|
| Starting price | $995/month | On request |
| Pricing model | Per month by token volume | transaction |
| Platforms | Web, iOS, Android, Linux | Web, IOS, Android |
| Category | APIs | Personal Finance |
| Founded | Unknown | 2010 |
Identical on both: free tier (No), user rating (Not yet rated).
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 Basis Theory
- Tokenisation API
- Hosted elements
- Outbound proxy
- PCI attestation of compliance
- Processor portability
- Reactors
- Access controls and audit
- PII and PHI options
Only in WorldRemit
- International transfers
- Multiple delivery methods
- Send to 150+ countries
- Cash pickup option
- Bank accounts
- Cards
- Web support
- IOS support
What people use each for
The jobs each tool is most often brought in to do.
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 WorldRemit
- A merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirernot WorldRemit
- A fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security reviewnot WorldRemit
- 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 WorldRemit
WorldRemit
- Sending remittances from developed markets to 130 or more receiving countriesnot Basis Theory
- Paying out to mobile money, cash pickup and bank accounts abroadnot Basis Theory
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
WorldRemit
- No transfer fee, exchange rate margin or sending limit is published on the site; rates and limits are shown only after choosing a destination country and receive method
- The amount that can be sent depends on the destination country and receive method rather than a single published cap
Pricing, plan by plan
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$undefined/month
- Quoted
- Additional compliance options for PII and PHI
- Responses for 95 percent of PCI SAQ D
WorldRemit
On request- Standard Transfer$undefined/month
- Multiple payment methods
- Competitive rates
- Express Transfer$undefined/month
- Faster delivery
- Higher costs
Which should you pick?
Choose Basis Theory if
- You need tokenisation api.
- You work on Web, iOS, Android, Linux.
- You also want hosted elements.
Choose WorldRemit if
- You need international transfers.
- You work on Web, IOS, Android.
- You also want multiple delivery methods.
Questions people ask
- Is Basis Theory or WorldRemit better?
- Neither clearly leads. Basis Theory starts at $995/month and WorldRemit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Basis Theory or WorldRemit?
- Basis Theory starts at $995/month and WorldRemit at On request.
- Does Basis Theory or WorldRemit run on more platforms?
- Basis Theory runs on Web, iOS, Android, Linux. WorldRemit runs on Web, IOS, Android.
- What is Basis Theory best used for?
- Basis Theory is most often used for a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows, a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer, a fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security review, a team that needs to send stored card data to a third party for a one-off integration without that data traversing its own servers. Of those, a payments company that wants card on file without bringing its own infrastructure into pci scope and paying for the assessment that follows and a merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirer are not what WorldRemit is typically brought in for.
- What can Basis Theory do that WorldRemit cannot?
- Basis Theory covers Tokenisation API, Hosted elements, Outbound proxy, PCI attestation of compliance. WorldRemit covers International transfers, Multiple delivery methods, Send to 150+ countries, Cash pickup option.
Answered from the vendors’ own pages
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.
WorldRemit: How much cheaper is WorldRemit than banks?
WorldRemit is on average 46% cheaper than most banks, with no hidden fees. All costs display upfront before payment, including fees and the exact amount your recipient receives.
SourceBasis 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.
WorldRemit: What payment methods are available?
Three payment methods are offered: bank deposit, debit card, and credit card. Available options depend on your sending country.
SourceBasis 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.
WorldRemit: How long do transfers take?
In most cases, money transfers sent using WorldRemit will arrive within minutes. Expected delivery times display before payment, though some transfers may take longer depending on the receiving method.
SourceBasis Theory: Is data stored outside the United States?
Not on Starter, which is US only. Other regions require a Scale or Enterprise agreement.
WorldRemit: What verification is required?
Phone verification via OTP occurs; identity verification requiring ID and a selfie may be necessary, typically completing within 4 minutes at least 90% of the time.
SourceRelated pages
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