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Automation Integration · head to head

Merge vs Vodeno

Merge logo

Merge

Automation Integration

One API for all your integrations

From
Free
Rated
-
Full reviewWebsite
Vodeno logo

Vodeno

APIs

Banking-as-a-service platform running on a partner bank licence, backing NatWest's UK BaaS venture

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Merge has a free tier, so it costs nothing to try first.
  • Each has a real cost: Merge cannot access data outside Merge's universal schema; no support for custom objects or deep field mappings; Vodeno its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
  • They diverge on capability: Merge covers Unified API, Vodeno covers Core banking infrastructure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Merge and Vodeno actually diverge.

Attributes where Merge and Vodeno differ
AttributeMergeVodeno
Starting priceFreeOn request
Pricing modelusage-basedquote
Free tierYesNo
PlatformsApiWeb, API
CategoryAutomation IntegrationAPIs
Founded2020Unknown

Identical on both: user rating (Not yet rated).

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 Merge

  • Unified API
  • HRIS integrations
  • Accounting integrations
  • CRM integrations
  • ATS integrations
  • Ticketing integrations
  • File storage integrations
  • Workday

Only in Vodeno

  • Core banking infrastructure
  • Card issuance via Mastercard
  • Lending and BNPL modules
  • White-label mobile apps
  • Digital onboarding and compliance
  • UK entity backed by NatWest

What people use each for

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

Merge

  • Workflow Automationnot Vodeno
  • Data Integrationnot Vodeno
  • Process Automationnot Vodeno
  • App Integrationnot Vodeno
  • API Connectivitynot Vodeno

Vodeno

  • A European retailer or e-commerce business wanting to embed savings, lending or BNPL products under its own brandnot Merge
  • A UK business wanting banking-as-a-service backed specifically by NatWest's banking technology and licencenot Merge
  • A fintech wanting white-label mobile banking app infrastructure rather than building its own from scratchnot Merge
  • A company comparing banking-as-a-service providers that want to understand which underlying bank licence actually backs the product in their marketnot Merge

Where each one falls short

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

Merge

  • Cannot access data outside Merge's universal schema; no support for custom objects or deep field mappings
  • Merge holds customer OAuth tokens, creating vendor lock-in; switching providers requires re-authentication from all customers
  • No support for legacy systems without APIs; limited to modern SaaS applications
  • Pricing complexity at scale with multiple dimensions (workflows, tasks, connectors) affecting costs

Vodeno

  • Its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
  • Pricing is entirely unpublished across both the European and UK businesses.
  • The scale of NatWest's investment (up to roughly £120 million) signals a business still working toward profitability, with NatWest itself targeting breakeven within five years of the venture launching, which is a meaningful timeline risk for a customer building long-term infrastructure dependency on it.
  • As banking-as-a-service infrastructure, any customer remains dependent on Vodeno's underlying bank partner maintaining its own licence and risk appetite, which is a layer of dependency beyond Vodeno's own commercial terms.
  • Product scope, such as lending and BNPL availability, may differ between the UK and European entities, so a company operating in both markets should not assume identical capability across the two.

Pricing, plan by plan

Merge

Free
  • FreeFree
    • 1 linked account
    • All integrations
    • Standard support
  • Launch$650/month
    • 50 linked accounts
    • All categories
    • Email support
  • Scale$2500/month
    • Unlimited accounts
    • Priority support
    • SLA
  • Enterprise$undefined/month
    • Dedicated support
    • Custom contracts
    • Advanced security

Vodeno

On request
  • Vodeno$undefined/year
    • Platform licensing fee, not published
    • Terms differ between the European (Aion Bank) and UK (NatWest) entities

Which should you pick?

Choose Merge if

  • You need unified api.
  • You want to start without paying.
  • You work on Api.
  • You also want hris integrations.
Merge review

Choose Vodeno if

  • You need core banking infrastructure.
  • You work on Web, API.
  • You also want card issuance via mastercard.
Vodeno review

Questions people ask

Is Merge or Vodeno better?
Neither clearly leads. Merge starts at Free and Vodeno at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Merge or Vodeno?
Merge has a free tier; the other does not. Paid plans start at Free for Merge and On request for Vodeno.
Does Merge or Vodeno run on more platforms?
Merge runs on Api. Vodeno runs on Web, API.
Can I use Merge for free?
Yes. Merge has a free tier, so you can try it without paying. Vodeno starts at On request.
What is Merge best used for?
Merge is most often used for workflow automation, data integration, process automation, app integration. Of those, workflow automation and data integration are not what Vodeno is typically brought in for.
What can Merge do that Vodeno cannot?
Merge covers Unified API, HRIS integrations, Accounting integrations, CRM integrations. Vodeno covers Core banking infrastructure, Card issuance via Mastercard, Lending and BNPL modules, White-label mobile apps.

Answered from the vendors’ own pages

Merge: What is a Linked Account in Merge?

A Linked Account represents an end customer's authenticated connection to a third-party application (like Salesforce, HubSpot, or Zendesk). Merge pricing is based on the number of production Linked Accounts your end users activate.

Source
Vodeno: Does Vodeno hold its own banking licence?

No, it operates through partner banks, Aion Bank in continental Europe and NatWest in the UK.

Merge: Can I access custom data not in Merge's universal schema?

No. Merge works well for standardized integrations but hits limits with enterprise customers. You cannot access data outside Merge's universal schema, cannot customize integration behavior for specific customers, and cannot pull deeply custom data from source systems.

Source
Vodeno: Is the UK business the same as the European business?

They are related but distinct entities backed by different bank partners, with different investment structures.

Merge: What happens if I switch away from Merge?

Merge holds your customers' OAuth tokens. Switching providers means asking every customer to re-authenticate, resulting in potential customer churn and unhappy users.

Vodeno: How much has NatWest invested?

A capped commitment of up to roughly £120 million into the UK entity, plus a separate roughly €58 million investment in Vodeno Group for an 18% stake.

Merge: Does Merge work with legacy systems?

No. Merge only works if there's an API. Legacy ERPs, government portals, insurance carriers, and older enterprise systems that customers depend on often don't have APIs, making Merge unable to support these integrations.

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