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APIs · head to head

Neonomics vs Zimpler

Neonomics logo

Neonomics

APIs

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

From
On request
Rated
-
Full reviewWebsite
Zimpler logo

Zimpler

APIs

Nordic and Brazilian account-to-account payments for regulated high-risk sectors

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.; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • They diverge on capability: Neonomics covers Payment initiation, Zimpler covers Bank payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Neonomics and Zimpler actually diverge.

Attributes where Neonomics and Zimpler differ
AttributeNeonomicsZimpler
PlatformsWeb, APIWeb, REST API

Identical on both: starting price (On request), pricing model (quote), 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 Zimpler

  • Bank payments
  • BankID identity
  • Payouts
  • Recurring payments
  • Risk screening
  • Brazil coverage

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

Zimpler

  • A Swedish gambling operator needing deposit and verified identity in a single customer flownot Neonomics
  • A Nordic merchant wanting instant bank payouts rather than card refundsnot Neonomics
  • A trading platform where confirming account ownership before funding is a regulatory requirementnot Neonomics
  • A European operator expanding into Brazil and wanting one provider across both marketsnot 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.

Zimpler

  • Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
  • Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
  • Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
  • Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.

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

Zimpler

On request
  • Zimpler payments$undefined/year
    • Per-transaction pricing quoted by industry, risk and volume
    • Separate pricing for payouts and identity verification
    • Merchant underwriting required, with sector restrictions

Which should you pick?

Choose Neonomics if

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

Choose Zimpler if

  • You need bank payments.
  • You work on Web, REST API.
  • You also want bankid identity.
Zimpler review

Questions people ask

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

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.

Zimpler: Which markets does Zimpler cover?

Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.

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.

Zimpler: Does it handle identity verification?

Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.

Neonomics: Does Neonomics hold merchant funds?

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

Zimpler: Is pricing published?

No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.

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