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APIs · head to head

Hoppscotch vs Tink

Hoppscotch logo

Hoppscotch

APIs

Open-source API development ecosystem with web-based REST client

From
Free
Rated
-
Full reviewWebsite
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Hoppscotch has a free tier, so it costs nothing to try first.
  • Each has a real cost: Hoppscotch open-source project with no published commercial support plans or pricing; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • They diverge on capability: Hoppscotch covers REST Client, Tink covers Account data access.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Hoppscotch and Tink actually diverge.

Attributes where Hoppscotch and Tink differ
AttributeHoppscotchTink
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Desktop, Self-hostedAPI, Web
Founded2019Unknown

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 Hoppscotch

  • REST Client
  • WebSocket
  • gRPC Client
  • GitHub
  • Documentation tools
  • CI/CD
  • Web support
  • Desktop support

Only in Tink

  • Account data access
  • Payment initiation
  • EEA passporting
  • Categorisation
  • Account verification
  • Risk and affordability signals
  • Variable recurring payments support
  • Consent management

What people use each for

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

Hoppscotch

  • API Developmentnot Tink
  • API Gatewaynot Tink
  • API Testingnot Tink
  • API Documentationnot Tink
  • Microservicesnot Tink

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Hoppscotch
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Hoppscotch
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Hoppscotch
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Hoppscotch

Where each one falls short

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

Hoppscotch

  • Open-source project with no published commercial support plans or pricing
  • No official enterprise tier or SLA information disclosed

Tink

  • Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
  • PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
  • Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
  • Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

Pricing, plan by plan

Hoppscotch

Free
  • Open SourceFree
    • Full REST client
    • WebSocket support
    • Community
  • Teams$8/monthly
    • Team collaboration
    • Cloud sync
    • Priority support

Tink

On request
  • Tink Platform$undefined/year
    • Priced by product, market and volume
    • Data access and payment initiation priced separately
    • Annual commitments typical for enterprise agreements

Which should you pick?

Choose Hoppscotch if

  • You need rest client.
  • You want to start without paying.
  • You work on Web, Desktop, Self-hosted.
  • You also want websocket.
Hoppscotch review

Choose Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is Hoppscotch or Tink better?
Neither clearly leads. Hoppscotch starts at Free and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hoppscotch or Tink?
Hoppscotch has a free tier; the other does not. Paid plans start at Free for Hoppscotch and On request for Tink.
Does Hoppscotch or Tink run on more platforms?
Hoppscotch runs on Web, Desktop, Self-hosted. Tink runs on API, Web.
Can I use Hoppscotch for free?
Yes. Hoppscotch has a free tier, so you can try it without paying. Tink starts at On request.
What is Hoppscotch best used for?
Hoppscotch is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Tink is typically brought in for.
What can Hoppscotch do that Tink cannot?
Hoppscotch covers REST Client, WebSocket, gRPC Client, GitHub. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

Hoppscotch: Is Hoppscotch free to use for API development?

Yes, Hoppscotch is a completely free, open-source API development ecosystem. There are no subscription fees, license costs, or registration requirements to access the core platform.

Source
Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Hoppscotch: Can I deploy Hoppscotch on my own infrastructure?

As an open-source project, Hoppscotch can be self-hosted and deployed on your own infrastructure. The source code is available for customization and deployment in private environments.

Source
Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

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