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APIs · head to head

Neonomics vs Portkey

Neonomics logo

Neonomics

APIs

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

From
On request
Rated
-
Full reviewWebsite
Portkey logo

Portkey

APIs

Observe, govern, and secure every AI interaction across your enterprise

From
On request
Rated
-
Full reviewWebsite

The short version

  • 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.; Portkey the free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Neonomics and Portkey actually diverge.

Attributes where Neonomics and Portkey differ
AttributeNeonomicsPortkey
Pricing modelquoteUnknown
PlatformsWeb, APIWeb

Identical on both: starting price (On request), 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 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 Portkey

Nothing recorded that Neonomics does not also cover.

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 Portkey
  • A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Portkey
  • A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Portkey
  • A business needing both UK and Nordic bank payment coverage from one suppliernot Portkey

Portkey

  • Accessing 1,600+ language models through unified API gatewaynot Neonomics
  • Monitoring and observing LLM behavior in production environmentsnot Neonomics
  • Managing costs and setting budget limits for AI spendingnot Neonomics
  • Implementing guardrails and PII redaction for secure AI interactionsnot 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.

Portkey

  • The free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.

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

Portkey

On request

No published plan breakdown. See the Portkey 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 Portkey if

Nothing in the data separates Portkey from Neonomics on the points above - pick on price and on how each one feels to use.

Portkey review

Questions people ask

Is Neonomics or Portkey better?
Neither clearly leads. Neonomics starts at On request and Portkey at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Neonomics or Portkey?
Neonomics starts at On request and Portkey at On request.
Does Neonomics or Portkey run on more platforms?
Neonomics runs on Web, API. Portkey runs on Web.
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 Portkey is typically brought in for.
What can Neonomics do that Portkey cannot?
Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo.

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.

Portkey: What happens if I exceed my Portkey plan's request limit?

Production tier ($49/month) charges $9 per additional 100,000 requests beyond the included 100,000. Enterprise customers have custom limits determined through their service agreement. Source: https://portkey.ai/pricing

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.

Portkey: Can I self-host Portkey to avoid per-request billing?

Yes. Portkey offers an Open Source self-hosted version with unlimited requests at no cost, including universal API, routing, guardrails, and load balancing features. Source: https://portkey.ai/pricing

Source
Neonomics: Does Neonomics hold merchant funds?

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

Portkey: How long does Portkey retain my logs and metrics?

Free Developer tier retains logs 3 days and metrics 30 days. Production tier retains logs 30 days and metrics 90 days. Enterprise tier offers custom retention periods. Source: https://portkey.ai/pricing

Source
Portkey: What compliance features are included in the Enterprise plan?

Enterprise tier includes SOC2 Type 2 certification, GDPR compliance, HIPAA compliance, VPC hosting, SSO, advanced guardrails, and dedicated support. Custom pricing required. Source: https://portkey.ai/pricing

Source
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