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APIs · head to head

Brite Payments vs Convoy

Brite Payments logo

Brite Payments

APIs

Instant account to account payments and payouts across Europe

From
On request
Rated
-
Full reviewWebsite
Convoy logo

Convoy

APIs

Open source webhooks gateway you self-host, handling both sending and receiving

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Convoy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Brite Payments because Brite fronts settlement it underwrites the merchant, so higher risk sectors face volume caps, reserves or delayed settlement that undo the instant advantage they bought it for.; Convoy the default deployment is self-hosted, so you operate Convoy plus Postgres and Redis and carry the on-call burden for the system that delivers your customers' events.
  • They diverge on capability: Brite Payments covers Instant pay ins, Convoy covers Inbound and outbound.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Brite Payments and Convoy actually diverge.

Attributes where Brite Payments and Convoy differ
AttributeBrite PaymentsConvoy
Starting priceOn requestFree
Pricing modelquotePer month, flat rate regardless of volume
Free tierNoYes
PlatformsWeb, APILinux, Docker, Kubernetes, Cloud

Identical on both: 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 Brite Payments

  • Instant pay ins
  • Instant payouts
  • Proprietary settlement network
  • European bank coverage
  • Recurring and one click
  • Risk and verification
  • Merchant reporting
  • Hosted checkout

Only in Convoy

  • Inbound and outbound
  • Broker-driven ingestion
  • Payload transformation
  • Portal links
  • Circuit breaking
  • Retry policies
  • OpenTelemetry export
  • Role-based access control

What people use each for

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

Brite Payments

  • A gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain playersnot Convoy
  • A trading platform funding customer accounts without card chargeback exposurenot Convoy
  • A marketplace paying sellers on demand rather than in weekly batchesnot Convoy
  • A Nordic retailer replacing card acceptance on high value baskets to cut interchange costnot Convoy

Convoy

  • A fintech that cannot route customer webhook traffic through a third-party SaaS for compliance reasonsnot Brite Payments
  • A high-volume platform for which per-message webhook pricing costs more than the flat premium licencenot Brite Payments
  • A team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gatewaynot Brite Payments
  • An engineering group that wants webhook delivery driven directly from an existing Kafka or SQS topicnot Brite Payments

Where each one falls short

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

Brite Payments

  • Because Brite fronts settlement it underwrites the merchant, so higher risk sectors face volume caps, reserves or delayed settlement that undo the instant advantage they bought it for.
  • There is no chargeback scheme, so refunds, disputes and fraud recovery are processes the merchant has to build and staff itself.
  • Coverage and instant capability differ markedly by country, with the Nordics far stronger than southern and eastern Europe, so a pan European rollout gives inconsistent customer experience.
  • Conversion depends on each bank's authentication journey, and the merchant cannot fix a slow or unreliable bank redirect that is costing it sales.
  • A large share of Brite's volume comes from gambling and trading, which concentrates regulatory exposure: a change in gambling payment rules in a key market would affect the provider as well as the merchant.

Convoy

  • The default deployment is self-hosted, so you operate Convoy plus Postgres and Redis and carry the on-call burden for the system that delivers your customers' events.
  • Frain Technologies is a small startup, and putting customer-facing delivery infrastructure on it means accepting real vendor continuity risk on a component that is hard to swap out quickly.
  • The premium tier at a flat 999 US dollars a month is poor value below substantial volume, while the community edition omits the portal, transformations and RBAC that most production deployments end up wanting.
  • The hosted cloud trial is capped at one project and 100 events a day, which is too small to properly evaluate the service before committing.
  • Documentation and the third-party ecosystem are thinner than the established webhook services, so unusual configurations often mean reading the Go source.

Pricing, plan by plan

Brite Payments

On request
  • Brite instant payments$undefined/year
    • Quoted per merchant, typically per transaction
    • Pay ins and payouts priced separately
    • Merchant underwriting may impose volume limits, reserves or delayed settlement

Convoy

Free
  • CommunityFree
    • Self-hosted open source gateway
    • Inbound and outbound webhooks
    • Automatic retries and message broker support
  • Premium$999/month
    • Flat rate irrespective of message volume
    • Portal links and payload transformation
    • RBAC, circuit breaking and white labelling
  • Enterprise$undefined/year
    • SAML SSO
    • Dedicated support with SLA
    • On-premises deployment assistance
  • Cloud$undefined/month
    • Hosted by Convoy
    • 14 day trial limited to one project and 100 events a day
    • Usage-based tiers above the trial

Which should you pick?

Choose Brite Payments if

  • You need instant pay ins.
  • You work on Web, API.
  • You also want instant payouts.
Brite Payments review

Choose Convoy if

  • You need inbound and outbound.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes, Cloud.
  • You also want broker-driven ingestion.
Convoy review

Questions people ask

Is Brite Payments or Convoy better?
Neither clearly leads. Brite Payments starts at On request and Convoy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brite Payments or Convoy?
Convoy has a free tier; the other does not. Paid plans start at On request for Brite Payments and Free for Convoy.
Does Brite Payments or Convoy run on more platforms?
Brite Payments runs on Web, API. Convoy runs on Linux, Docker, Kubernetes, Cloud.
Can I use Convoy for free?
Yes. Convoy has a free tier, so you can try it without paying. Brite Payments starts at On request.
What is Brite Payments best used for?
Brite Payments is most often used for a gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain players, a trading platform funding customer accounts without card chargeback exposure, a marketplace paying sellers on demand rather than in weekly batches, a nordic retailer replacing card acceptance on high value baskets to cut interchange cost. Of those, a gambling operator that needs deposits confirmed instantly and withdrawals paid out in seconds to retain players and a trading platform funding customer accounts without card chargeback exposure are not what Convoy is typically brought in for.
What can Brite Payments do that Convoy cannot?
Brite Payments covers Instant pay ins, Instant payouts, Proprietary settlement network, European bank coverage. Convoy covers Inbound and outbound, Broker-driven ingestion, Payload transformation, Portal links.

Answered from the vendors’ own pages

Brite Payments: How is Brite different from a standard open banking initiator?

It settles on its own network, so the merchant sees funds as final in seconds rather than waiting for the bank transfer to clear.

Convoy: Is Convoy really open source?

Yes, the community edition is open source and self-hostable, covering both inbound and outbound webhooks with retries.

Brite Payments: Are payouts really instant?

In markets with mature instant payment schemes, yes. Elsewhere the speed depends on local rails, so check country by country.

Convoy: What does premium cost?

A flat 999 US dollars a month, self-hosted, regardless of message volume.

Brite Payments: What about disputes?

There is no chargeback framework on account to account payments. Refunds and disputes are entirely your own process.

Convoy: Does it receive webhooks as well as send them?

Yes, inbound ingestion with verification and deduplication is a first-class feature, unlike most webhook services.

Convoy: Do I have to self-host?

No, there is a hosted cloud, but the trial is capped at 100 events a day and self-hosting is the primary model.

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