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APIs · head to head

Neonomics vs Spring Cloud Gateway

Neonomics logo

Neonomics

APIs

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

From
On request
Rated
-
Full reviewWebsite
Spring Cloud Gateway logo

Spring Cloud Gateway

APIs

API gateway built on Project Reactor for building microservices

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spring Cloud Gateway 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.; Spring Cloud Gateway released under the Apache 2.0 license, free and open source with no commercial tier
  • They diverge on capability: Neonomics covers Payment initiation, Spring Cloud Gateway covers Routing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Neonomics and Spring Cloud Gateway actually diverge.

Attributes where Neonomics and Spring Cloud Gateway differ
AttributeNeonomicsSpring Cloud Gateway
Starting priceOn requestFree
Pricing modelquoteopen-source
Free tierNoYes
PlatformsWeb, APIJava, Spring Boot
FoundedUnknown1998

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 Spring Cloud Gateway

  • Routing
  • Path Rewriting
  • Circuit Breaker
  • Spring Boot
  • Spring Security
  • Spring Cloud
  • Java support
  • Spring Boot 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 Spring Cloud Gateway
  • A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Spring Cloud Gateway
  • A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Spring Cloud Gateway
  • A business needing both UK and Nordic bank payment coverage from one suppliernot Spring Cloud Gateway

Spring Cloud Gateway

  • API Developmentnot Neonomics
  • API Gatewaynot Neonomics
  • API Testingnot Neonomics
  • API Documentationnot Neonomics
  • Microservicesnot 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.

Spring Cloud Gateway

  • Released under the Apache 2.0 license, free and open source with no commercial tier

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

Spring Cloud Gateway

Free
  • Open SourceFree
    • Core Spring Cloud Gateway
    • Community support

Which should you pick?

Choose Neonomics if

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

Choose Spring Cloud Gateway if

  • You need routing.
  • You want to start without paying.
  • You work on Java, Spring Boot.
  • You also want path rewriting.
Spring Cloud Gateway review

Questions people ask

Is Neonomics or Spring Cloud Gateway better?
Neither clearly leads. Neonomics starts at On request and Spring Cloud Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Neonomics or Spring Cloud Gateway?
Spring Cloud Gateway has a free tier; the other does not. Paid plans start at On request for Neonomics and Free for Spring Cloud Gateway.
Does Neonomics or Spring Cloud Gateway run on more platforms?
Neonomics runs on Web, API. Spring Cloud Gateway runs on Java, Spring Boot.
Can I use Spring Cloud Gateway for free?
Yes. Spring Cloud Gateway 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 Spring Cloud Gateway is typically brought in for.
What can Neonomics do that Spring Cloud Gateway cannot?
Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo. Spring Cloud Gateway covers Routing, Path Rewriting, Circuit Breaker, Spring Boot.

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.

Spring Cloud Gateway: Is Spring Cloud Gateway free?

Yes, Spring Cloud Gateway is free and open-source software. It is part of the Spring ecosystem and available through GitHub repositories with open-source dependencies like spring-cloud-starter-gateway-server-webflux and spring-cloud-starter-gateway-server-webmvc.

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.

Spring Cloud Gateway: What enterprise support is available for Spring Cloud Gateway?

Tanzu Spring provides optional enterprise support including Day 0 access to security patches for organizations requiring guaranteed support, but specific pricing is not published on the Spring Cloud Gateway project page.

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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