Softwr

APIs · head to head

i2c vs Yapily

i2c logo

i2c

APIs

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

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: i2c developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.; 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: i2c covers Configurable product engine, 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 i2c and Yapily actually diverge.

Attributes where i2c and Yapily differ
Attributei2cYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes
PlatformsWeb, REST APIWeb, 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 i2c

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

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.

i2c

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

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot i2c
  • A lending or budgeting product needing bank account data for affordability checksnot i2c
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot i2c
  • A company prototyping open banking features for free in sandbox before committing budgetnot 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.

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

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

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 i2c if

  • You need configurable product engine.
  • You work on Web, REST API.
  • You also want credit and instalments.
i2c 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 i2c or Yapily better?
Neither clearly leads. i2c 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, i2c or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for i2c and Free for Yapily.
Does i2c or Yapily run on more platforms?
i2c runs on Web, REST API. Yapily runs on Web, API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. i2c starts at On request.
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 Yapily is typically brought in for.
What can i2c do that Yapily cannot?
i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

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.

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

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.

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.

i2c: Is it self-serve?

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

Yapily: Is production pricing published?

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

Share

Related pages

More on i2c

More on Yapily

Keep looking

Other head to heads