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APIs · head to head

Gravitee vs TrueLayer

Gravitee logo

Gravitee

APIs

Open source API management platform for event-native APIs

From
Free
Rated
-
Full reviewWebsite
TrueLayer logo

TrueLayer

APIs

Open banking payments and data across the UK and Europe, with the largest share of UK variable recurring payments

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Gravitee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Gravitee the entry paid API management tier is $2,500 a month and includes a single production gateway; TrueLayer variable recurring payments, the strongest reason to choose TrueLayer, is a UK construct, and European businesses expecting the same capability in their market will not get it on the same timetable.
  • They diverge on capability: Gravitee covers API Gateway, TrueLayer covers Pay by bank.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Gravitee and TrueLayer actually diverge.

Attributes where Gravitee and TrueLayer differ
AttributeGraviteeTrueLayer
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsCloud, On-premise, KubernetesWeb, iOS, Android
Founded2015Unknown

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 Gravitee

  • API Gateway
  • Developer Portal
  • Analytics Dashboard
  • Kubernetes
  • Docker
  • Kafka
  • LDAP
  • Cloud support

Only in TrueLayer

  • Pay by bank
  • Variable recurring payments
  • Payouts and refunds
  • Account information
  • Account name verification
  • Signup and KYC support
  • Multi-country coverage
  • Hosted payment page

What people use each for

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

Gravitee

  • API gateway and lifecycle managementnot TrueLayer
  • Exposing Kafka event streams as managed APIsnot TrueLayer
  • Protocol mediation between event brokers and clientsnot TrueLayer
  • Self-hosting an open source API gatewaynot TrueLayer
  • Access control and authentication in front of internal APIsnot TrueLayer

TrueLayer

  • A UK subscription or top-up business that wants card-like recurring collection over bank rails using variable recurring paymentsnot Gravitee
  • A trading or crypto platform funding accounts instantly by bank transfer where card deposits carry chargeback risknot Gravitee
  • A marketplace paying sellers out to verified bank accounts with name checking to reduce misdirected paymentsnot Gravitee
  • A lender verifying income and affordability from bank transaction data rather than uploaded statementsnot Gravitee

Where each one falls short

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

Gravitee

  • The entry paid API management tier is $2,500 a month and includes a single production gateway
  • Event management is priced separately, starting at $1,250 a month for the Comet tier
  • Tiers are gated on gateway and broker counts, so scaling horizontally means moving tier rather than paying incrementally
  • Data logging masking and other enterprise features are withheld from the lowest paid tier
  • 24/7 support requires the top Universe tier

TrueLayer

  • Variable recurring payments, the strongest reason to choose TrueLayer, is a UK construct, and European businesses expecting the same capability in their market will not get it on the same timetable.
  • Payment conversion varies substantially by bank, and a bank with a slow or broken authentication journey drags results down regardless of vendor, so aggregate coverage numbers say little about your actual mix.
  • Pay by bank has no chargeback mechanism, which merchants like until a customer disputes a purchase and finds no scheme protection, making it a poor fit for categories where buyers expect card style recourse.
  • Pricing is unpublished and varies by market and product, so multi-country merchants cannot model cost without a full sales engagement and often find rates differ significantly between countries.
  • Open banking authentication requires the customer to leave the checkout and authorise in their banking app, and that redirect remains the largest source of drop-off compared with a stored card.

Pricing, plan by plan

Gravitee

Free
  • CommunityFree
    • API Gateway
    • Basic analytics
    • Community support
  • Enterprise$1500/monthly
    • Advanced features
    • SLA support
    • SSO integration
  • Custom$undefined/monthly
    • Custom deployment
    • Dedicated support
    • Premium SLA

TrueLayer

On request
  • TrueLayer Payments and Data$undefined/year
    • Per-payment fees quoted by volume, market and product
    • Separate commercial terms for payment initiation, VRP and account information
    • Platform and minimum commitment terms negotiated per contract

Which should you pick?

Choose Gravitee if

  • You need api gateway.
  • You want to start without paying.
  • You work on Cloud, On-premise, Kubernetes.
  • You also want developer portal.
Gravitee review

Choose TrueLayer if

  • You need pay by bank.
  • You work on Web, iOS, Android.
  • You also want variable recurring payments.
TrueLayer review

Questions people ask

Is Gravitee or TrueLayer better?
Neither clearly leads. Gravitee starts at Free and TrueLayer at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Gravitee or TrueLayer?
Gravitee has a free tier; the other does not. Paid plans start at Free for Gravitee and On request for TrueLayer.
Does Gravitee or TrueLayer run on more platforms?
Gravitee runs on Cloud, On-premise, Kubernetes. TrueLayer runs on Web, iOS, Android.
Can I use Gravitee for free?
Yes. Gravitee has a free tier, so you can try it without paying. TrueLayer starts at On request.
What is Gravitee best used for?
Gravitee is most often used for api gateway and lifecycle management, exposing kafka event streams as managed apis, protocol mediation between event brokers and clients, self-hosting an open source api gateway. Of those, api gateway and lifecycle management and exposing kafka event streams as managed apis are not what TrueLayer is typically brought in for.
What can Gravitee do that TrueLayer cannot?
Gravitee covers API Gateway, Developer Portal, Analytics Dashboard, Kubernetes. TrueLayer covers Pay by bank, Variable recurring payments, Payouts and refunds, Account information.

Answered from the vendors’ own pages

Gravitee: What is Gravitee's pricing model?

Gravitee uses a tiered subscription model with monthly flat pricing. The Planet tier for API Management starts at $2,500/month with one production gateway, while the Comet tier for Event Management starts at $1,250/month.

Source
TrueLayer: Is VRP available outside the UK?

No. Variable recurring payments are a UK capability. EU adoption is on a slower path, with UK commercial VRP expanding into ecommerce during 2026.

Gravitee: Are there hidden fees with Gravitee?

No. Gravitee explicitly states there are no hidden fees, and all tiers include unlimited users and unlimited APIs under management.

Source
TrueLayer: What does TrueLayer cost?

Not published. Per-payment fees are quoted by volume, market and product, usually with a platform component and a minimum commitment.

Gravitee: What does higher tier pricing include in Gravitee?

Higher tiers add more production gateways, enterprise plugins, and enhanced support levels ranging from Gold to Platinum/Diamond support.

Source
TrueLayer: Are there chargebacks on pay by bank?

No. Bank transfers have no card scheme chargeback mechanism, which removes that cost but also removes buyer recourse, so it suits some categories and not others.

TrueLayer: Which countries are covered?

The UK plus a substantial set of European markets under PSD2, though bank-level coverage and conversion vary by country and should be checked for your specific mix.

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