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APIs · head to head

Flybits vs PubNub

Flybits logo

Flybits

APIs

Contextual personalisation and decisioning platform for financial institutions

From
On request
Rated
-
Full reviewWebsite
PubNub logo

PubNub

APIs

Realtime communication platform for chat, IoT, and live data apps

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only PubNub has a free tier, so it costs nothing to try first.
  • Each has a real cost: Flybits its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.; PubNub free plan storage history is limited to 7 days, which is short for apps needing longer message retention.
  • They diverge on capability: Flybits covers Contextual decisioning engine, PubNub covers Pub/sub messaging.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Flybits and PubNub actually diverge.

Attributes where Flybits and PubNub differ
AttributeFlybitsPubNub
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, iOS, Androidweb, ios, android, 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 Flybits

  • Contextual decisioning engine
  • Non-technical configuration
  • Agentic Banking capability
  • Customer data unification
  • Card-linked offers
  • Real-time insight delivery

Only in PubNub

  • Pub/sub messaging
  • Presence tracking
  • Message persistence
  • Serverless Functions
  • File sharing
  • Encryption and access controls

What people use each for

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

Flybits

  • A bank wanting to move from generic segment-based marketing to individually contextual offers and messagesnot PubNub
  • A product team wanting to configure personalisation rules without needing engineering support for every changenot PubNub
  • A bank wanting card-linked contextual offers tied to transaction datanot PubNub
  • A financial institution exploring an agentic AI interaction layer across cards, loans and depositsnot PubNub

PubNub

  • Building realtime chat applicationsnot Flybits
  • Streaming live IoT sensor datanot Flybits
  • Adding presence indicators to collaborative appsnot Flybits
  • Running edge logic with serverless Functions on realtime eventsnot Flybits

Where each one falls short

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

Flybits

  • Its output quality depends entirely on the completeness and accuracy of the underlying bank data it is fed, so a bank with fragmented or poor-quality customer data gets correspondingly weak personalisation.
  • The newer Agentic Banking capability is recent enough that long-term reliability, accuracy and customer trust data at scale are still limited compared with its longer-established contextual decisioning engine.
  • Pricing is not published, requiring a licensing negotiation per institution.
  • As with Meniga, it is a white-label layer rather than a consumer-facing brand, making independent reputation and reliability harder for a prospective bank client to verify directly.
  • Expanding from a rules-based personalisation engine into agentic AI interaction is a significant scope and complexity increase, and a bank evaluating it today should confirm which capabilities are mature and in production versus newly launched.

PubNub

  • Free plan storage history is limited to 7 days, which is short for apps needing longer message retention.
  • MAU-based pricing means costs scale directly with user growth, which can be less predictable than flat message-based pricing.
  • Pro-tier custom pricing above 50,000 MAU requires contacting sales rather than self-serve checkout.

Pricing, plan by plan

Flybits

On request
  • Flybits$undefined/year
    • Pricing not published, licensed per financial institution deployment

PubNub

Free
  • FreeFree
    • Up to 200 MAU or 1M transactions
    • 1GB data storage (7 days)
    • 5 test Serverless Functions
  • Starter$98/month
    • 1,000 MAU included
    • User management
    • Insights
  • Pro$undefined/month
    • Custom MAU packages
    • Volume discounts
    • Enterprise-scale configurations

Which should you pick?

Choose Flybits if

  • You need contextual decisioning engine.
  • You work on Web, iOS, Android.
  • You also want non-technical configuration.
Flybits review

Choose PubNub if

  • You need pub/sub messaging.
  • You want to start without paying.
  • You work on web, ios, android, api.
  • You also want presence tracking.
PubNub review

Questions people ask

Is Flybits or PubNub better?
Neither clearly leads. Flybits starts at On request and PubNub at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Flybits or PubNub?
PubNub has a free tier; the other does not. Paid plans start at On request for Flybits and Free for PubNub.
Does Flybits or PubNub run on more platforms?
Flybits runs on Web, iOS, Android. PubNub runs on web, ios, android, api.
Can I use PubNub for free?
Yes. PubNub has a free tier, so you can try it without paying. Flybits starts at On request.
What is Flybits best used for?
Flybits is most often used for a bank wanting to move from generic segment-based marketing to individually contextual offers and messages, a product team wanting to configure personalisation rules without needing engineering support for every change, a bank wanting card-linked contextual offers tied to transaction data, a financial institution exploring an agentic ai interaction layer across cards, loans and deposits. Of those, a bank wanting to move from generic segment-based marketing to individually contextual offers and messages and a product team wanting to configure personalisation rules without needing engineering support for every change are not what PubNub is typically brought in for.
What can Flybits do that PubNub cannot?
Flybits covers Contextual decisioning engine, Non-technical configuration, Agentic Banking capability, Customer data unification. PubNub covers Pub/sub messaging, Presence tracking, Message persistence, Serverless Functions.

Answered from the vendors’ own pages

Flybits: Does Flybits require engineering support to run campaigns?

No, it is designed so marketing and product teams can configure personalisation rules directly.

PubNub: What does PubNub cost?

PubNub offers a free plan for up to 200 MAU or 1 million transactions, a Starter plan at $98/month for 1,000 MAU, and custom Pro pricing for larger volumes, e.g. around $550/month for 10,000 MAU.

Source
Flybits: What is Agentic Banking?

A newer Flybits capability introducing AI agents as an interaction layer unifying cards, loans and deposits into conversational banking experiences.

PubNub: Is there a free plan, and what are its limits?

Yes, the free plan supports up to 200 monthly active users or 1 million transactions, includes 1GB of data storage retained for 7 days, and requires no credit card.

Source
Flybits: Is pricing published?

No, it is licensed per financial institution and requires a quote.

PubNub: How is usage metered?

PubNub bills primarily by Monthly Active Users, defined as a unique user who connects at least once in a billing cycle; messages are bundled into MAU pricing with no separate per-message fees, and overage is billed proportionally.

Source
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