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APIs · head to head

Neonomics vs PocketBase

Neonomics logo

Neonomics

APIs

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

From
On request
Rated
-
Full reviewWebsite
PocketBase logo

PocketBase

APIs

Open-source backend with REST API, real-time subscriptions and Admin UI

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only PocketBase has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; PocketBase requires technical expertise to deploy and maintain
  • They diverge on capability: Neonomics covers Payment initiation, PocketBase covers REST API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Neonomics and PocketBase actually diverge.

Attributes where Neonomics and PocketBase differ
AttributeNeonomicsPocketBase
Starting priceOn requestFree
Pricing modelquoteUnknown
Free tierNoYes
PlatformsWeb, APILinux, Windows, macOS, FreeBSD
FoundedUnknown2021

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 Neonomics

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

Only in PocketBase

  • REST API
  • Real-time subscriptions
  • Admin UI
  • SQLite
  • Webhooks
  • File storage
  • Go support
  • Docker support

What people use each for

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

Neonomics

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

PocketBase

  • Embedded realtime database with REST APInot Neonomics
  • Backend-as-a-service for single-file deploymentsnot Neonomics
  • Rapid application development with email/OAuth2 authenticationnot Neonomics
  • File storage and media attachment managementnot Neonomics
  • Lightweight alternative to Firebase or traditional backend infrastructurenot Neonomics
  • Go and JavaScript customisable application frameworknot Neonomics

Where each one falls short

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

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.

PocketBase

  • Requires technical expertise to deploy and maintain
  • No built-in hosting provided
  • Community support only

Pricing, plan by plan

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

PocketBase

Free

No published plan breakdown. See the PocketBase review.

Which should you pick?

Choose Neonomics if

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

Choose PocketBase if

  • You need rest api.
  • You want to start without paying.
  • You work on Linux, Windows, macOS, FreeBSD.
  • You also want real-time subscriptions.
PocketBase review

Questions people ask

Is Neonomics or PocketBase better?
Neither clearly leads. Neonomics starts at On request and PocketBase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Neonomics or PocketBase?
PocketBase has a free tier; the other does not. Paid plans start at On request for Neonomics and Free for PocketBase.
Does Neonomics or PocketBase run on more platforms?
Neonomics runs on Web, API. PocketBase runs on Linux, Windows, macOS, FreeBSD.
Can I use PocketBase for free?
Yes. PocketBase has a free tier, so you can try it without paying. Neonomics starts at On request.
What is Neonomics best used for?
Neonomics is most often used for a norwegian or swedish merchant collecting payments directly from bank accounts to avoid card fees, a debt collection agency sending request to pay messages instead of chasing bank transfers manually, a software vendor embedding pay by bank into an accounting or invoicing product for nordic customers, a business needing both uk and nordic bank payment coverage from one supplier. Of those, a norwegian or swedish merchant collecting payments directly from bank accounts to avoid card fees and a debt collection agency sending request to pay messages instead of chasing bank transfers manually are not what PocketBase is typically brought in for.
What can Neonomics do that PocketBase cannot?
Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo. PocketBase covers REST API, Real-time subscriptions, Admin UI, SQLite.

Answered from the vendors’ own pages

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.

PocketBase: How much does PocketBase cost?

PocketBase is completely free and open-source. It is a self-hosted backend solution with database, authentication, and file storage capabilities at no cost.

Source
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.

PocketBase: Is PocketBase open-source?

Yes, PocketBase is open-source software. You can download, modify, and deploy it yourself at no cost with no licensing restrictions.

Source
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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