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APIs · head to head

Convoy vs Tink

Convoy logo

Convoy

APIs

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

From
Free
Rated
-
Full reviewWebsite
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

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.; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • They diverge on capability: Convoy covers Inbound and outbound, Tink covers Account data access.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Convoy and Tink actually diverge.

Attributes where Convoy and Tink differ
AttributeConvoyTink
Starting priceFreeOn request
Pricing modelPer month, flat rate regardless of volumequote
Free tierYesNo
PlatformsLinux, Docker, Kubernetes, CloudAPI, Web

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 Tink

  • Account data access
  • Payment initiation
  • EEA passporting
  • Categorisation
  • Account verification
  • Risk and affordability signals
  • Variable recurring payments support
  • Consent management

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 Tink
  • A high-volume platform for which per-message webhook pricing costs more than the flat premium licencenot Tink
  • A team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gatewaynot Tink
  • An engineering group that wants webhook delivery driven directly from an existing Kafka or SQS topicnot Tink

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Convoy
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Convoy
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Convoy
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot 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.

Tink

  • Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
  • PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
  • Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
  • Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

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

Tink

On request
  • Tink Platform$undefined/year
    • Priced by product, market and volume
    • Data access and payment initiation priced separately
    • Annual commitments typical for enterprise agreements

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 Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is Convoy or Tink better?
Neither clearly leads. Convoy starts at Free and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Convoy or Tink?
Convoy has a free tier; the other does not. Paid plans start at Free for Convoy and On request for Tink.
Does Convoy or Tink run on more platforms?
Convoy runs on Linux, Docker, Kubernetes, Cloud. Tink runs on API, Web.
Can I use Convoy for free?
Yes. Convoy has a free tier, so you can try it without paying. Tink 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 Tink is typically brought in for.
What can Convoy do that Tink cannot?
Convoy covers Inbound and outbound, Broker-driven ingestion, Payload transformation, Portal links. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

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.

Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Convoy: What does premium cost?

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

Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

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.

Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

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.

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

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