APIs · head to head
Neonomics vs Prisma
Neonomics
APIs
Nordic open banking payments and data, now with UK coverage through Ordo
- From
- On request
- Rated
- -
The short version
- Only Prisma 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- They diverge on capability: Neonomics covers Payment initiation, Prisma covers ORM.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Neonomics and Prisma actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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 Prisma
- A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Prisma
- A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Prisma
- A business needing both UK and Nordic bank payment coverage from one suppliernot Prisma
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Neonomics
- Adding a managed connection pool and edge cache in front of an existing databasenot 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.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Pricing, plan by plan
Neonomics
On request- Neonomics platform$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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Which should you pick?
Choose Neonomics if
- You need payment initiation.
- You work on Web, API.
- You also want account information.
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Questions people ask
- Is Neonomics or Prisma better?
- Neither clearly leads. Neonomics starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Neonomics or Prisma?
- Prisma has a free tier; the other does not. Paid plans start at On request for Neonomics and Free for Prisma.
- Does Neonomics or Prisma run on more platforms?
- Neonomics runs on Web, API. Prisma runs on Node.js, TypeScript.
- Can I use Prisma for free?
- Yes. Prisma 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 Prisma is typically brought in for.
- What can Neonomics do that Prisma cannot?
- Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo. Prisma covers ORM, Query builder, Auto-migrations, Node.js.
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.
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceNeonomics: 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.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceNeonomics: Does Neonomics hold merchant funds?
No. It initiates payments; settlement, reconciliation and refunds remain with the merchant or its payment provider.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceRelated pages
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