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APIs · head to head

Episode Six vs Griffin

Episode Six logo

Episode Six

APIs

Payment processing and ledger platform deployable on premise or in your own cloud

From
On request
Rated
-
Full reviewWebsite
Griffin logo

Griffin

APIs

UK banking-as-a-service from a company that holds its own full banking licence

From
£100/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Episode Six deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.; Griffin platform banking carries a one-off onboarding fee from 15,000 pounds and a 3,500 pound monthly minimum, which prices out early-stage companies entirely.
  • They diverge on capability: Episode Six covers Tritium API platform, Griffin covers Bank accounts by API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Episode Six and Griffin actually diverge.

Attributes where Episode Six and Griffin differ
AttributeEpisode SixGriffin
Starting priceOn request£100/month
Pricing modelquotePer month with usage drawdown
PlatformsWeb, API, On-premiseWeb, REST API

Identical on both: free tier (No), 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 Episode Six

  • Tritium API platform
  • Flexible deployment
  • Multi product issuing
  • Digital wallets
  • Multi currency ledger
  • Network connectivity
  • Configurable product engine
  • Institutional controls

Only in Griffin

  • Bank accounts by API
  • UK payment rails
  • Integrated ledger
  • Automated onboarding
  • Debit cards
  • Interest on balances

What people use each for

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

Episode Six

  • A bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloudnot Griffin
  • A large institution replacing a legacy card processor without moving off its own infrastructurenot Griffin
  • A telco or airline launching a branded wallet and card product at national scalenot Griffin
  • A bank running prepaid, debit and credit products that wants them on one ledger rather than three processorsnot Griffin

Griffin

  • A wealth platform that must hold client money in a licensed bank rather than an EMI safeguarding accountnot Episode Six
  • A lender wanting UK accounts and payment rails without becoming a bank itselfnot Episode Six
  • A fintech burned by sponsor bank instability that wants the deposit holder and the API provider to be the same entitynot Episode Six
  • A platform needing sub-account ledgering for pooled client funds with a clean audit trailnot Episode Six

Where each one falls short

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

Episode Six

  • Deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.
  • Implementation runs to quarters and involves core banking, network certification and fraud system integration, so time to first card is far longer than with a self serve issuer processor.
  • Pricing is entirely bespoke and weighted to large programmes, which prices out fintechs and small issuers who would be better served by a hosted platform.
  • Being smaller than the incumbent processors, its network certifications and operational presence vary by region, so a global rollout can find gaps in specific markets.
  • The flexibility of six hundred APIs and a configurable product engine shifts design responsibility onto the buyer, and institutions without strong internal payments architects end up dependent on professional services.

Griffin

  • Platform banking carries a one-off onboarding fee from 15,000 pounds and a 3,500 pound monthly minimum, which prices out early-stage companies entirely.
  • It is UK-only, so a business with European or US operations needs a second banking provider and a second integration for those entities.
  • It is a young bank with a small balance sheet relative to incumbents, and enterprise counterparties still ask hard questions about concentration risk.
  • Holding a banking licence means Griffin applies bank-grade due diligence to its own clients, so onboarding is slower and more selective than an EMI-based provider.
  • Feature breadth is narrower than long-established providers, particularly in card programme management and in payment types beyond core UK rails.

Pricing, plan by plan

Episode Six

On request
  • Tritium platform$undefined/year
    • Licence and implementation quoted per institution
    • Deployment model affects cost materially: on premise, private cloud or hosted
    • Processing fees typically per transaction or per active card

Griffin

£100/month
  • Business Banking$100/month
    • From 100 pounds per month
    • Interest or commission from around 1.75 percent AER variable
    • Operational accounts and UK payment rails
  • Platform Banking$3500/month
    • One-off onboarding fee from 15,000 pounds
    • Minimum monthly spend of 3,500 pounds, drawn down by usage
    • Higher committed tiers at 5,000 and 10,000 pounds with discounts
  • Enterprise$undefined/month
    • Custom pricing
    • Bespoke account structures and volumes
    • Negotiated interest or commission share

Which should you pick?

Choose Episode Six if

  • You need tritium api platform.
  • You work on Web, API, On-premise.
  • You also want flexible deployment.
Episode Six review

Choose Griffin if

  • You need bank accounts by api.
  • You work on Web, REST API.
  • You also want uk payment rails.
Griffin review

Questions people ask

Is Episode Six or Griffin better?
Neither clearly leads. Episode Six starts at On request and Griffin at £100/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Episode Six or Griffin?
Episode Six starts at On request and Griffin at £100/month.
Does Episode Six or Griffin run on more platforms?
Episode Six runs on Web, API, On-premise. Griffin runs on Web, REST API.
What is Episode Six best used for?
Episode Six is most often used for a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud, a large institution replacing a legacy card processor without moving off its own infrastructure, a telco or airline launching a branded wallet and card product at national scale, a bank running prepaid, debit and credit products that wants them on one ledger rather than three processors. Of those, a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud and a large institution replacing a legacy card processor without moving off its own infrastructure are not what Griffin is typically brought in for.
What can Episode Six do that Griffin cannot?
Episode Six covers Tritium API platform, Flexible deployment, Multi product issuing, Digital wallets. Griffin covers Bank accounts by API, UK payment rails, Integrated ledger, Automated onboarding.

Answered from the vendors’ own pages

Episode Six: Can Episode Six run inside our own data centre?

Yes. On premise and private cloud deployment is the main reason banks choose it over hosted only processors.

Griffin: Is Griffin actually a bank?

Yes. It received a UK banking licence with restrictions in March 2023 and a full licence in March 2024 after exiting mobilisation.

Episode Six: Is it suitable for a startup issuing its first cards?

Not really. The licence, implementation timeline and cost are aimed at banks and large institutions.

Griffin: What does it cost?

Business banking from 100 pounds a month; platform banking from a 15,000 pound onboarding fee plus a 3,500 pound monthly minimum drawn down by usage.

Episode Six: Do we still need a card licence or sponsor?

Yes. Episode Six is a processor. Network membership, licensing or a sponsor arrangement remains your responsibility.

Griffin: Does it cover Europe?

No. Griffin is a UK bank serving UK accounts and UK payment rails.

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