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APIs · head to head

Convoy vs Meniga

Convoy logo

Convoy

APIs

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

From
Free
Rated
-
Full reviewWebsite
Meniga logo

Meniga

APIs

White-label personal finance management and data enrichment platform for banks

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Convoy has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Meniga its output quality depends entirely on the transaction data quality the host bank feeds it, so poor underlying data produces poor categorisation and insights regardless of Meniga's own engine.
  • They diverge on capability: Convoy covers Inbound and outbound, Meniga covers Transaction categorisation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Convoy and Meniga actually diverge.

Attributes where Convoy and Meniga differ
AttributeConvoyMeniga
Starting priceFreeOn request
Pricing modelPer month, flat rate regardless of volumequote
Free tierYesNo
PlatformsLinux, Docker, Kubernetes, CloudWeb, iOS, Android

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 Convoy

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

Only in Meniga

  • Transaction categorisation
  • Personal finance management
  • Carbon footprint insights
  • Predictive analytics
  • Targeted rewards
  • White-label deployment

What people use each for

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

Convoy

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

Meniga

  • A retail bank wanting personal finance management features added to its existing app without building categorisation in housenot Convoy
  • A bank wanting carbon footprint insight features as a customer-facing sustainability offeringnot Convoy
  • A bank wanting transaction-driven targeted rewards and offers integrated with spending datanot Convoy
  • A bank consolidating PFM and rewards into one white-label vendor rather than running separate point solutionsnot Convoy

Where each one falls short

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

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.

Meniga

  • Its output quality depends entirely on the transaction data quality the host bank feeds it, so poor underlying data produces poor categorisation and insights regardless of Meniga's own engine.
  • Pricing is not published, requiring a licensing negotiation scaled to deployment size.
  • Growth by acquisition, including the Wrapp rewards platform, means a bank evaluating Meniga for PFM specifically may end up being sold a broader bundle including rewards functionality it did not originally want.
  • As a white-label layer rather than a customer-facing brand, its own market reputation and reliability are harder for an end consumer, or even a prospective bank client, to evaluate directly compared with a consumer-facing fintech.
  • It competes with PFM and engagement features increasingly built natively by core banking or engagement platform vendors themselves, such as Backbase, which can reduce the case for a separate specialist layer.

Pricing, plan by plan

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

Meniga

On request
  • Meniga$undefined/year
    • Pricing not published, licensed to banks per deployment scale

Which should you pick?

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

Choose Meniga if

  • You need transaction categorisation.
  • You work on Web, iOS, Android.
  • You also want personal finance management.
Meniga review

Questions people ask

Is Convoy or Meniga better?
Neither clearly leads. Convoy starts at Free and Meniga at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Convoy or Meniga?
Convoy has a free tier; the other does not. Paid plans start at Free for Convoy and On request for Meniga.
Does Convoy or Meniga run on more platforms?
Convoy runs on Linux, Docker, Kubernetes, Cloud. Meniga runs on Web, iOS, Android.
Can I use Convoy for free?
Yes. Convoy has a free tier, so you can try it without paying. Meniga starts at On request.
What is Convoy best used for?
Convoy is most often used for a fintech that cannot route customer webhook traffic through a third-party saas for compliance reasons, a high-volume platform for which per-message webhook pricing costs more than the flat premium licence, a team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gateway, an engineering group that wants webhook delivery driven directly from an existing kafka or sqs topic. Of those, a fintech that cannot route customer webhook traffic through a third-party saas for compliance reasons and a high-volume platform for which per-message webhook pricing costs more than the flat premium licence are not what Meniga is typically brought in for.
What can Convoy do that Meniga cannot?
Convoy covers Inbound and outbound, Broker-driven ingestion, Payload transformation, Portal links. Meniga covers Transaction categorisation, Personal finance management, Carbon footprint insights, Predictive analytics.

Answered from the vendors’ own pages

Convoy: Is Convoy really open source?

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

Meniga: Is Meniga a consumer app?

No, it is a white-label platform banks embed into their own branded apps, not sold directly to consumers.

Convoy: What does premium cost?

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

Meniga: How many banking customers does it reach?

Over 100 million banking customers across roughly 30 countries, through its bank clients.

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.

Meniga: Does it only do personal finance management?

No, it has expanded through acquisitions like Wrapp into transaction-driven rewards as well as PFM and carbon insights.

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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