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APIs · head to head

i2c vs Paymentology

i2c logo

i2c

APIs

Configurable card issuing and banking processing platform for banks and programme managers

From
On request
Rated
-
Full reviewWebsite
Paymentology logo

Paymentology

APIs

Cloud issuer processing across emerging and developed markets

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: i2c developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.; Paymentology paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
  • They diverge on capability: i2c covers Configurable product engine, Paymentology covers Global issuer processing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which i2c and Paymentology actually diverge.

Attributes where i2c and Paymentology differ
Attributei2cPaymentology
PlatformsWeb, REST APIWeb, API

Identical on both: starting price (On request), pricing model (quote), 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 i2c

  • Configurable product engine
  • Credit and instalments
  • Multi-currency
  • Fraud and risk tooling
  • Digital banking front ends
  • Global scheme connectivity

Only in Paymentology

  • Global issuer processing
  • Real time transaction data
  • Virtual and physical issuance
  • Tokenisation
  • Multi currency and multi product
  • Card controls
  • Programme management tools
  • Fraud and risk integration

What people use each for

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

i2c

  • A bank wanting credit, debit and prepaid portfolios on one processor rather than threenot Paymentology
  • An issuer in a market where local scheme and currency support rules out US-centric processorsnot Paymentology
  • A programme manager launching instalment products without building a lending corenot Paymentology
  • A credit union replacing an ageing processor without writing custom code for product rulesnot Paymentology

Paymentology

  • A neobank launching cards in an African or South East Asian market where hosted United States processors have no certificationnot i2c
  • A mobile money operator adding a card product on top of an existing wallet basenot i2c
  • A bank consolidating several regional card processors onto one platformnot i2c
  • A fintech expanding an existing card programme into the Gulf without re platformingnot i2c

Where each one falls short

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

i2c

  • Developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.
  • Implementations lean on i2c or partner professional services, so timelines and costs are set by a services queue rather than by your own engineering speed.
  • Pricing is per active card and per transaction with monthly minimums, none of it published, so comparing bids requires modelling your own portfolio carefully.
  • Configuration flexibility means product behaviour lives in platform settings rather than in your repository, which complicates version control, testing and audit trails.
  • As a private company with a broad global footprint, regional support depth is uneven, and a programme in a smaller market may get thinner service than a flagship account.

Paymentology

  • Paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
  • Fees include per active card charges and monthly minimums, so a portfolio with many dormant cards pays for plastic that generates no interchange.
  • Certification, settlement and scheme relationships differ by country, so a multi market rollout is a series of separate projects rather than one integration.
  • As a processor it sits between your product and the networks, meaning outages and scheme mandate changes reach your cardholders through a party you do not control.
  • Documentation and developer self service are weaker than the United States hosted processors, so early integration depends heavily on Paymentology implementation staff.

Pricing, plan by plan

i2c

On request
  • i2c processing platform$undefined/year
    • Per-active-card and per-transaction processing fees
    • Minimum monthly commitments by programme
    • Implementation and configuration professional services

Paymentology

On request
  • Paymentology processing$undefined/year
    • Quoted per programme and per market
    • Typically per transaction and per active card fees plus a monthly minimum
    • Issuing licence or sponsor bank required in each market and not provided

Which should you pick?

Choose i2c if

  • You need configurable product engine.
  • You work on Web, REST API.
  • You also want credit and instalments.
i2c review

Choose Paymentology if

  • You need global issuer processing.
  • You work on Web, API.
  • You also want real time transaction data.
Paymentology review

Questions people ask

Is i2c or Paymentology better?
Neither clearly leads. i2c starts at On request and Paymentology at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, i2c or Paymentology?
i2c starts at On request and Paymentology at On request.
Does i2c or Paymentology run on more platforms?
i2c runs on Web, REST API. Paymentology runs on Web, API.
What is i2c best used for?
i2c is most often used for a bank wanting credit, debit and prepaid portfolios on one processor rather than three, an issuer in a market where local scheme and currency support rules out us-centric processors, a programme manager launching instalment products without building a lending core, a credit union replacing an ageing processor without writing custom code for product rules. Of those, a bank wanting credit, debit and prepaid portfolios on one processor rather than three and an issuer in a market where local scheme and currency support rules out us-centric processors are not what Paymentology is typically brought in for.
What can i2c do that Paymentology cannot?
i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling. Paymentology covers Global issuer processing, Real time transaction data, Virtual and physical issuance, Tokenisation.

Answered from the vendors’ own pages

i2c: Does i2c issue the cards itself?

No. It processes; issuance sits with a bank or licensed issuer, and in most markets you need that relationship separately.

Paymentology: Does Paymentology provide the BIN and licence?

No. You need your own issuing licence or a sponsor bank in each market; Paymentology processes the transactions.

i2c: Can it handle revolving credit?

Yes. Credit, instalments and buy-now-pay-later sit on the same platform as debit and prepaid, which is unusual among modern processors.

Paymentology: What is the actual pricing model?

Per transaction and per active card, with a monthly minimum. Dormant cards still cost, so model your activation rate.

i2c: Is it self-serve?

No. Expect a configuration-led implementation with professional services rather than signing up and calling an API.

Paymentology: Why choose it over a United States issuer processor?

Network certification and live programmes in markets where those processors do not operate, which decides feasibility rather than preference.

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