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APIs · head to head

Directus vs Yapily

Directus logo

Directus

APIs

Open-source data platform providing REST and GraphQL APIs

From
Free
Rated
-
Full reviewWebsite
Yapily logo

Yapily

APIs

Open banking API infrastructure for account data and pay-by-bank payments across Europe

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Directus free permissive use of the self hosted product is limited to organisations under $5M annual revenue with fewer than 50 employees, so crossing either threshold turns a free dependency into a paid licence; Yapily production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • They diverge on capability: Directus covers REST API, Yapily covers Unified open banking API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Directus and Yapily actually diverge.

Attributes where Directus and Yapily differ
AttributeDirectusYapily
Pricing modelopen-sourceFree sandbox, pay-as-you-go production
PlatformsNode.js, Cloud, Self-hosted, DockerWeb, API
Founded2014Unknown

Identical on both: starting price (Free), free tier (Yes), 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 Directus

  • REST API
  • GraphQL API
  • Database management
  • PostgreSQL
  • MySQL
  • SQLite
  • Webhooks
  • Node.js support

Only in Yapily

  • Unified open banking API
  • Account information access
  • Payment initiation
  • Free sandbox
  • Multi-country bank coverage
  • Webhooks and reconciliation tooling

What people use each for

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

Directus

  • Wrapping an existing SQL database in a REST and GraphQL API with an admin interfacenot Yapily
  • Running a self hosted headless CMS over a schema you already ownnot Yapily

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot Directus
  • A lending or budgeting product needing bank account data for affordability checksnot Directus
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot Directus
  • A company prototyping open banking features for free in sandbox before committing budgetnot Directus

Where each one falls short

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

Directus

  • Free permissive use of the self hosted product is limited to organisations under $5M annual revenue with fewer than 50 employees, so crossing either threshold turns a free dependency into a paid licence
  • The free Core tier is a hard limit of 3 seats, 25 collections and 5 flows
  • The Team plan is $499 a month billed annually, or $599 monthly, with extra seats at $50 each
  • Team caps collections at 50, expandable to 100, and flows at 20

Yapily

  • Production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • Consumer adoption of pay-by-bank still lags card payments, so merchants offering it as a checkout option typically see it used as a secondary rather than primary payment method.
  • Coverage depends on the banks in each country maintaining reliable open banking APIs, and inconsistent bank-side reliability across markets is a known category-wide weakness, not unique to Yapily but not solved by it either.
  • As infrastructure for both account data and payments, a company only needing one of those two capabilities is still evaluating a broader platform than it may need.
  • Regulatory dependence on PSD2 and UK open banking rules means the underlying legal framework, not just Yapily's product, could shift and affect what is possible on the platform.

Pricing, plan by plan

Directus

Free
  • CommunityFree
    • Self-hosted Directus
    • Community support
  • Cloud$25/monthly
    • Managed cloud
    • Automatic updates
    • Backups

Yapily

Free
  • SandboxFree
    • Free testing environment
    • UK and European bank connections for development
  • Production$undefined/month
    • Pay-as-you-go pricing, exact rates not published
    • Typical pay-by-bank cost of 0.1 to 0.5% or a flat 5 to 30 pence per transaction

Which should you pick?

Choose Directus if

  • You need rest api.
  • You want to start without paying.
  • You work on Node.js, Cloud, Self-hosted, Docker.
  • You also want graphql api.
Directus review

Choose Yapily if

  • You need unified open banking api.
  • You want to start without paying.
  • You work on Web, API.
  • You also want account information access.
Yapily review

Questions people ask

Is Directus or Yapily better?
Neither clearly leads. Directus starts at Free and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Directus or Yapily?
Directus starts at Free and Yapily at Free.
Does Directus or Yapily run on more platforms?
Directus runs on Node.js, Cloud, Self-hosted, Docker. Yapily runs on Web, API.
Can I use Directus for free?
Both have a free tier, so you can try either at no cost before committing.
What is Directus best used for?
Directus is most often used for wrapping an existing sql database in a rest and graphql api with an admin interface, running a self hosted headless cms over a schema you already own. Of those, wrapping an existing sql database in a rest and graphql api with an admin interface and running a self hosted headless cms over a schema you already own are not what Yapily is typically brought in for.
What can Directus do that Yapily cannot?
Directus covers REST API, GraphQL API, Database management, PostgreSQL. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Directus: What is Directus's pricing?

Directus Core is free and self-hosted. The Team tier costs $499/month (annual) or $599/month (rolling), including 10 user seats and cloud hosting at $99/month additional. Enterprise plans have custom pricing. Additional seats cost $50/month each.

Source
Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

Directus: Can I use Directus for free?

Yes, Directus Core is completely free with 3 user seats, 25 Collections, 5 Flows, AI Assistant, and Advanced RBAC. Self-hosting is available at no cost.

Source
Yapily: How much cheaper is pay-by-bank than card payments?

Typically 0.1 to 0.5% of transaction value, or a flat 5 to 30 pence, against 1.5 to 3.5% for card scheme fees.

Directus: How many user seats does each Directus tier include?

Core includes 3 user seats, Team includes 10 SSO seats, and Enterprise includes custom SSO seat counts. Additional Team seats cost $50/seat per month.

Source
Yapily: Is production pricing published?

No, production access is pay-as-you-go but exact rates require a sales conversation.

Directus: What happens to my monthly Directus plan if I switch?

Monthly plans are grandfathered for six months after switching, and annual plans are honored until renewal. Self-hosted licenses are handled case-by-case at renewal.

Source
Directus: Is there a free trial for Directus?

No trial period is mentioned. Users can start with the free Core tier immediately without a credit card.

Source
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