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APIs · head to head

Basis Theory vs Xano

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
Xano logo

Xano

Automation Integration

The low-code backend platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Xano has a free tier, so it costs nothing to try first.
  • 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.; Xano limited real-time capabilities; websocket support underdeveloped and not suitable for real-time applications
  • They diverge on capability: Basis Theory covers Tokenisation API, Xano covers API builder.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where Basis Theory and Xano differ
AttributeBasis TheoryXano
Starting price$995/monthFree
Pricing modelPer month by token volumeusage-based
Free tierNoYes
PlatformsWeb, iOS, Android, LinuxWeb, Cloud, BYOC
CategoryAPIsAutomation Integration
FoundedUnknown2014

Identical on both: 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 Xano

  • API builder
  • Database management
  • Data transformation
  • Real-time sync
  • Webhooks
  • Authentication
  • Scheduling
  • REST API

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 Xano
  • A merchant locked into a processor by that processor vault that wants to hold its own tokens and route to more than one acquirernot Xano
  • A fintech collecting bank account and identity data that needs it isolated from its application database before an enterprise security reviewnot Xano
  • 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 Xano

Xano

  • Workflow Automationnot Basis Theory
  • Data Integrationnot Basis Theory
  • Process Automationnot Basis Theory
  • App Integrationnot Basis Theory
  • API Connectivitynot 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.

Xano

  • Limited real-time capabilities; websocket support underdeveloped and not suitable for real-time applications
  • Performance concerns at scale; users report crashes, dropped queries, and no RAM visibility on any plan
  • Interface designed for mouse input only, does not work well with touch-screen tablets
  • Limited version control, data backup and restore features, and data management logging capabilities
  • Requires pairing with a frontend builder, adding cost, complexity, and integration overhead

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

Xano

Free
  • FreeFree
    • Limited requests
    • Basic features
  • Professional$99/month
    • 100K requests
    • Advanced features
  • Business$299/month
    • 500K requests
    • Premium support

Which should you pick?

Choose Basis Theory if

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

Choose Xano if

  • You need api builder.
  • You want to start without paying.
  • You work on Web, Cloud, BYOC.
  • You also want database management.
Xano review

Questions people ask

Is Basis Theory or Xano better?
Neither clearly leads. Basis Theory starts at $995/month and Xano at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Basis Theory or Xano?
Xano has a free tier; the other does not. Paid plans start at $995/month for Basis Theory and Free for Xano.
Does Basis Theory or Xano run on more platforms?
Basis Theory runs on Web, iOS, Android, Linux. Xano runs on Web, Cloud, BYOC.
Can I use Xano for free?
Yes. Xano has a free tier, so you can try it without paying. Basis Theory starts at $995/month.
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 Xano is typically brought in for.
What can Basis Theory do that Xano cannot?
Basis Theory covers Tokenisation API, Hosted elements, Outbound proxy, PCI attestation of compliance. Xano covers API builder, Database management, Data transformation, Real-time sync.

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.

Xano: Does Xano offer a free plan?

Yes. Xano offers a free plan with unlimited APIs and a rate limit. The free plan includes watermarked stored images. Paid plans start at $85 per month.

Source
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.

Xano: What databases does Xano use?

Xano provides managed PostgreSQL database with no migrations or DevOps overhead required. It includes automatic backups, scaling, and full ACID transaction support.

Source
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.

Xano: Does Xano require coding knowledge?

Xano is a no-code platform but requires foundational understanding of backend concepts like database structure, APIs, authentication, and logic flow. The learning curve is steep, requiring weeks or months to become proficient.

Source
Basis Theory: Is data stored outside the United States?

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

Xano: What integrations does Xano support?

Xano integrates with Snowflake, Datadog, AWS, GCP, Azure, Stripe, Segment, and works with frontend platforms like Bubble, Webflow, FlutterFlow, and Lovable.

Source
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