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APIs · head to head

Fintech Farm vs Yapily

Fintech Farm logo

Fintech Farm

APIs

"Neobank in a box" for banks in emerging markets, paid on a performance basis

From
On request
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

  • Only Yapily has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fintech Farm the performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.; 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: Fintech Farm covers End-to-end neobank stack, 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 Fintech Farm and Yapily actually diverge.

Attributes where Fintech Farm and Yapily differ
AttributeFintech FarmYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, API

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 Fintech Farm

  • End-to-end neobank stack
  • Credit scoring engines
  • Debit, credit and BNPL products
  • Investment features
  • Performance-based partnership
  • Emerging market focus

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.

Fintech Farm

  • A mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in housenot Yapily
  • A bank wanting a partner compensated on growth outcomes rather than a fixed software licencenot Yapily
  • An institution needing credit scoring built specifically for thin-file, underbanked emerging market customersnot Yapily
  • A bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratchnot Yapily

Yapily

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

Where each one falls short

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

Fintech Farm

  • The performance-based model means a bank is entering an ongoing revenue-sharing relationship rather than buying a one-time or fixed-fee software licence, which changes long-term cost dynamics as the neobank grows.
  • It requires the partner bank to already hold a banking licence and balance sheet, so it is not usable by a company wanting to launch banking services without any existing regulatory status.
  • Focus on emerging markets means less proven track record in developed, heavily regulated markets such as the US or Western Europe.
  • As a smaller, founder-led company relative to Mambu or Temenos, its longevity and ability to support partner banks over a decade-plus relationship carries more vendor-risk uncertainty.
  • Being compensated on customer and revenue growth creates a natural incentive to prioritise growth-driving features over, for example, deep compliance tooling that does not directly move those metrics.

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

Fintech Farm

On request
  • Fintech Farm$undefined/year
    • Performance-based compensation tied to customer numbers and revenue generated
    • No published flat licence fee

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 Fintech Farm if

  • You need end-to-end neobank stack.
  • You work on Web, iOS, Android.
  • You also want credit scoring engines.
Fintech Farm 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 Fintech Farm or Yapily better?
Neither clearly leads. Fintech Farm starts at On request and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fintech Farm or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Fintech Farm and Free for Yapily.
Does Fintech Farm or Yapily run on more platforms?
Fintech Farm runs on Web, iOS, Android. Yapily runs on Web, API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Fintech Farm starts at On request.
What is Fintech Farm best used for?
Fintech Farm is most often used for a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house, a bank wanting a partner compensated on growth outcomes rather than a fixed software licence, an institution needing credit scoring built specifically for thin-file, underbanked emerging market customers, a bank expanding into a new emerging market and wanting a proven neobank launch playbook rather than starting from scratch. Of those, a mid-sized regulated bank in an emerging market wanting to launch a neobank without building digital product expertise in house and a bank wanting a partner compensated on growth outcomes rather than a fixed software licence are not what Yapily is typically brought in for.
What can Fintech Farm do that Yapily cannot?
Fintech Farm covers End-to-end neobank stack, Credit scoring engines, Debit, credit and BNPL products, Investment features. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Fintech Farm: How is Fintech Farm paid?

On a performance basis, tied to the number of customers and revenue its neobank product generates for the partner bank, rather than a flat licence fee.

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

Fintech Farm: Does the bank need its own licence?

Yes, Fintech Farm partners with banks that already hold a banking licence and balance sheet; it does not provide the licence itself.

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.

Fintech Farm: Which markets does it focus on?

Emerging markets, including operations across regions such as Vietnam, Nigeria and increasingly India.

Yapily: Is production pricing published?

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

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