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APIs · head to head

Episode Six vs Neonomics

Episode Six logo

Episode Six

APIs

Payment processing and ledger platform deployable on premise or in your own cloud

From
On request
Rated
-
Full reviewWebsite
Neonomics logo

Neonomics

APIs

Nordic open banking payments and data, now with UK coverage through Ordo

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Episode Six deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.; Neonomics coverage outside the Nordics and the UK is comparatively shallow, so a pan European merchant will find gaps and inconsistent bank behaviour in southern and eastern markets.
  • They diverge on capability: Episode Six covers Tritium API platform, Neonomics covers Payment initiation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Episode Six and Neonomics actually diverge.

Attributes where Episode Six and Neonomics differ
AttributeEpisode SixNeonomics
PlatformsWeb, API, On-premiseWeb, 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 Episode Six

  • Tritium API platform
  • Flexible deployment
  • Multi product issuing
  • Digital wallets
  • Multi currency ledger
  • Network connectivity
  • Configurable product engine
  • Institutional controls

Only in Neonomics

  • Payment initiation
  • Account information
  • Nordic bank depth
  • UK coverage via Ordo
  • Variable recurring payments
  • Request to pay
  • White label journeys
  • Reconciliation data

What people use each for

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

Episode Six

  • A bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloudnot Neonomics
  • A large institution replacing a legacy card processor without moving off its own infrastructurenot Neonomics
  • A telco or airline launching a branded wallet and card product at national scalenot Neonomics
  • A bank running prepaid, debit and credit products that wants them on one ledger rather than three processorsnot Neonomics

Neonomics

  • A Norwegian or Swedish merchant collecting payments directly from bank accounts to avoid card feesnot Episode Six
  • A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Episode Six
  • A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Episode Six
  • A business needing both UK and Nordic bank payment coverage from one suppliernot Episode Six

Where each one falls short

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

Episode Six

  • Deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.
  • Implementation runs to quarters and involves core banking, network certification and fraud system integration, so time to first card is far longer than with a self serve issuer processor.
  • Pricing is entirely bespoke and weighted to large programmes, which prices out fintechs and small issuers who would be better served by a hosted platform.
  • Being smaller than the incumbent processors, its network certifications and operational presence vary by region, so a global rollout can find gaps in specific markets.
  • The flexibility of six hundred APIs and a configurable product engine shifts design responsibility onto the buyer, and institutions without strong internal payments architects end up dependent on professional services.

Neonomics

  • Coverage outside the Nordics and the UK is comparatively shallow, so a pan European merchant will find gaps and inconsistent bank behaviour in southern and eastern markets.
  • It is a small company relative to Tink and TrueLayer, so supplier viability and the depth of engineering support behind bank API changes are genuine procurement questions.
  • Payment initiation only means the merchant handles settlement, reconciliation and refunds, and there is no chargeback framework to fall back on.
  • Integrating a recently acquired UK business means two regulatory entities and, for a period, two technology stacks, so cross market feature parity is a promise rather than an existing state.
  • Conversion is governed by each bank's own authentication experience, and Nordic BankID flows behave differently from UK app redirects, so a single UX cannot be assumed across the footprint.

Pricing, plan by plan

Episode Six

On request
  • Tritium platform$undefined/year
    • Licence and implementation quoted per institution
    • Deployment model affects cost materially: on premise, private cloud or hosted
    • Processing fees typically per transaction or per active card

Neonomics

On request
  • Neonomics platform$undefined/year
    • Quoted per customer, typically per initiated payment or per API call
    • Volume commitments and monthly minimums are common
    • Payment initiation only; merchant handles settlement and refunds

Which should you pick?

Choose Episode Six if

  • You need tritium api platform.
  • You work on Web, API, On-premise.
  • You also want flexible deployment.
Episode Six review

Choose Neonomics if

  • You need payment initiation.
  • You work on Web, API.
  • You also want account information.
Neonomics review

Questions people ask

Is Episode Six or Neonomics better?
Neither clearly leads. Episode Six starts at On request and Neonomics at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Episode Six or Neonomics?
Episode Six starts at On request and Neonomics at On request.
Does Episode Six or Neonomics run on more platforms?
Episode Six runs on Web, API, On-premise. Neonomics runs on Web, API.
What is Episode Six best used for?
Episode Six is most often used for a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud, a large institution replacing a legacy card processor without moving off its own infrastructure, a telco or airline launching a branded wallet and card product at national scale, a bank running prepaid, debit and credit products that wants them on one ledger rather than three processors. Of those, a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud and a large institution replacing a legacy card processor without moving off its own infrastructure are not what Neonomics is typically brought in for.
What can Episode Six do that Neonomics cannot?
Episode Six covers Tritium API platform, Flexible deployment, Multi product issuing, Digital wallets. Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo.

Answered from the vendors’ own pages

Episode Six: Can Episode Six run inside our own data centre?

Yes. On premise and private cloud deployment is the main reason banks choose it over hosted only processors.

Neonomics: Is Neonomics authorised in the UK?

Yes, through the acquisition of Ordo, an FCA authorised open banking payments firm, approved by the FCA and the Norwegian regulator.

Episode Six: Is it suitable for a startup issuing its first cards?

Not really. The licence, implementation timeline and cost are aimed at banks and large institutions.

Neonomics: Does it support variable recurring payments?

Yes in the UK through the Ordo capability, subject to which banks support commercial VRP; support elsewhere is more limited.

Episode Six: Do we still need a card licence or sponsor?

Yes. Episode Six is a processor. Network membership, licensing or a sponsor arrangement remains your responsibility.

Neonomics: Does Neonomics hold merchant funds?

No. It initiates payments; settlement, reconciliation and refunds remain with the merchant or its payment provider.

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