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APIs · head to head

Neonomics vs Stoplight

Neonomics logo

Neonomics

APIs

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

From
On request
Rated
-
Full reviewWebsite
Stoplight logo

Stoplight

APIs

API design, documentation, and governance platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stoplight 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.; Stoplight the free plan allows one project and one user
  • They diverge on capability: Neonomics covers Payment initiation, Stoplight covers API Design.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Neonomics and Stoplight actually diverge.

Attributes where Neonomics and Stoplight differ
AttributeNeonomicsStoplight
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsWeb, APIWeb, Cloud
FoundedUnknown2014

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 Stoplight

  • API Design
  • API Documentation
  • Governance
  • GitHub
  • GitLab
  • Jenkins
  • Azure DevOps
  • Web 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 Stoplight
  • A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Stoplight
  • A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Stoplight
  • A business needing both UK and Nordic bank payment coverage from one suppliernot Stoplight

Stoplight

  • API design and documentationnot Neonomics
  • API governance and standardsnot Neonomics
  • Team collaboration on API developmentnot Neonomics
  • API mocking and testingnot 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.

Stoplight

  • The free plan allows one project and one user
  • Private projects, multi branch support and custom domains start at the Startup plan, $113 a month billed annually
  • SSO and shared style guides are Pro Team only, at $362 a month billed annually
  • Seats beyond each plan's allowance are $11 to $27 each per month depending on tier and billing period

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

Stoplight

Free
  • FreeFree
    • 1 project
    • 1 user
    • Basic API design and documentation features
  • Basic$56/month
    • Annual: $44/user/year
    • 3 included users; $14 per additional user (monthly)
    • Unlimited projects
  • Startup$147/month
    • Annual: $113/user/year
    • 8 included users; $14 per additional user (monthly)
    • Private projects
  • Pro Team$453/month
    • Annual: $362/user/year
    • 15 included users; $27 per additional user (monthly)
    • Up to 20 teams

Which should you pick?

Choose Neonomics if

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

Choose Stoplight if

  • You need api design.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want api documentation.
Stoplight review

Questions people ask

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

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.

Stoplight: How much does Stoplight cost?

Stoplight starts with a free plan (1 project, 1 user), then Basic at $56/month per user (or $44/year), Startup at $147/month per user (or $113/year), Pro Team at $453/month per user (or $362/year), and Enterprise at custom 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.

Stoplight: How many included users are in each Stoplight plan?

Basic includes 3 users, Startup includes 8 users, and Pro Team includes 15 users. Additional users beyond the included count cost $14/month for Basic and Startup, or $27/month for Pro Team.

Source
Neonomics: Does Neonomics hold merchant funds?

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

Stoplight: Does Stoplight offer a free trial?

Yes, all paid Stoplight plans include a 14-day free trial. The free plan has no trial period as it is always available.

Source
Stoplight: Does Stoplight's free plan have limitations?

Yes, the free plan includes only 1 project and 1 user. Users viewing public documentation anonymously are not counted toward the 1-user limit.

Source
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