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APIs · head to head

Kong vs Yapily

Kong logo

Kong

APIs

Cloud-native API gateway and service connectivity platform

From
Free
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

  • Each has a real cost: Kong the Plus plan includes 1M API requests a month and charges $200 a month for each additional million; 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: Kong covers API Gateway, 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 Kong and Yapily actually diverge.

Attributes where Kong and Yapily differ
AttributeKongYapily
Pricing modelsubscriptionFree sandbox, pay-as-you-go production
PlatformsLinux, Docker, KubernetesWeb, API
Founded2010Unknown

Identical on both: starting price (Free), free tier (Yes), 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 Kong

  • API Gateway
  • Authentication & Authorization
  • Rate Limiting
  • Kubernetes
  • Consul
  • Eureka
  • PostgreSQL
  • Linux support

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.

Kong

  • API gateway management and routingnot Yapily
  • API development and testingnot Yapily
  • Enterprise API security and governancenot Yapily

Yapily

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

Where each one falls short

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

Kong

  • The Plus plan includes 1M API requests a month and charges $200 a month for each additional million
  • Plus is capped at 10M requests a month, so growth past that forces an Enterprise contract
  • Plus limits published APIs to 20 and includes one Developer Portal, with a second at $200 a month
  • SSO and audit logging are Enterprise only
  • Enterprise pricing is custom and billed annually

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

Kong

Free
  • Kong Konnect Free TrialFree
    • 30-day free trial
    • Full enterprise functionality
    • Unlimited gateways
  • Kong Konnect Plus$null/month
    • Per gateway pricing billed monthly
    • Up to 5 Serverless Gateways, 2 Hybrid, 2 Dedicated Cloud Gateways
    • 1M API requests included per month
  • Kong Insomnia EssentialsFree
    • Unlimited projects and CLI access
    • Up to 3 Git Sync users
    • 1,000 mock server requests per month
  • Kong Insomnia Pro$12/month
    • Unlimited users with Git Sync access
    • Unlimited organizations
    • RBAC

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 Kong if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes.
  • You also want authentication & authorization.
Kong 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 Kong or Yapily better?
Neither clearly leads. Kong starts at Free and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Kong or Yapily?
Kong starts at Free and Yapily at Free.
Does Kong or Yapily run on more platforms?
Kong runs on Linux, Docker, Kubernetes. Yapily runs on Web, API.
Can I use Kong for free?
Both have a free tier, so you can try either at no cost before committing.
What is Kong best used for?
Kong is most often used for api gateway management and routing, api development and testing, enterprise api security and governance. Of those, api gateway management and routing and api development and testing are not what Yapily is typically brought in for.
What can Kong do that Yapily cannot?
Kong covers API Gateway, Authentication & Authorization, Rate Limiting, Kubernetes. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Kong: Does Kong offer a free trial?

Yes, Kong Konnect offers a 30-day free trial with full enterprise functionality, unlimited gateways, and no credit card required.

Source
Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

Kong: How much does Kong Insomnia Pro cost?

Kong Insomnia Pro is $12 per user per month with 15% savings available for annual billing.

Source
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.

Kong: What are Kong Konnect Plus API request limits?

Kong Konnect Plus includes 1M API requests per month; additional requests cost $200 per 1M (maximum 10M per month).

Source
Yapily: Is production pricing published?

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

Kong: What is included in Kong Insomnia Enterprise?

Kong Insomnia Enterprise is $45 per user per month with SSO, SCIM, vault integrations, unlimited mock server requests, and Konnect integration.

Source
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