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APIs · head to head

Ozone API vs Skaleet

Ozone API logo

Ozone API

APIs

Standards-compliant open banking API layer for banks and regulators

From
On request
Rated
-
Full reviewWebsite
Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Ozone API it provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.; Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • They diverge on capability: Ozone API covers Multi-standard support, Skaleet covers Cloud-native core.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Ozone API and Skaleet actually diverge.

Attributes where Ozone API and Skaleet differ
AttributeOzone APISkaleet

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, REST API, Linux), 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 Ozone API

  • Multi-standard support
  • Consent management
  • Developer portal
  • Regulatory reporting
  • Premium API monetisation
  • Deployment flexibility

Only in Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

What people use each for

The jobs each tool is most often brought in to do.

Ozone API

  • A building society facing an open banking compliance deadline with no API team of its ownnot Skaleet
  • A bank operating in several jurisdictions that must satisfy different open banking standards at oncenot Skaleet
  • A regulator or standards body building national open finance infrastructurenot Skaleet
  • A bank wanting to sell premium APIs beyond the regulatory minimum without building entitlement plumbingnot Skaleet

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Ozone API
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Ozone API
  • A payroll or HR software company adding embedded banking to its productnot Ozone API
  • A payment service provider needing a ledger and accounts under its existing licencenot Ozone API

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Ozone API

  • It provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
  • Value is driven by regulatory obligation, so an institution not under a mandate struggles to build a business case for the spend.
  • It is a small UK vendor selling to large regulated institutions, which raises procurement and vendor viability questions during bank due diligence.
  • Premium API monetisation is a genuine capability but few banks have found real demand, so revenue projections used to justify the purchase often do not materialise.
  • Standards evolve continuously and each revision means a change programme in your own systems, even where Ozone absorbs the specification work at the API edge.

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

Pricing, plan by plan

Ozone API

On request
  • Ozone API$undefined/year
    • Annual licence or managed service subscription, quoted
    • Scaling by institution size, standards in scope and API call volume
    • Implementation and core integration charged separately

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

Which should you pick?

Choose Ozone API if

  • You need multi-standard support.
  • You work on Web, REST API, Linux.
  • You also want consent management.
Ozone API review

Choose Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet review

Questions people ask

Is Ozone API or Skaleet better?
Neither clearly leads. Ozone API starts at On request and Skaleet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Ozone API or Skaleet?
Ozone API starts at On request and Skaleet at On request.
Does Ozone API or Skaleet run on more platforms?
Both run on Web, REST API, Linux, so platform support will not decide this one for you.
What is Ozone API best used for?
Ozone API is most often used for a building society facing an open banking compliance deadline with no api team of its own, a bank operating in several jurisdictions that must satisfy different open banking standards at once, a regulator or standards body building national open finance infrastructure, a bank wanting to sell premium apis beyond the regulatory minimum without building entitlement plumbing. Of those, a building society facing an open banking compliance deadline with no api team of its own and a bank operating in several jurisdictions that must satisfy different open banking standards at once are not what Skaleet is typically brought in for.
What can Ozone API do that Skaleet cannot?
Ozone API covers Multi-standard support, Consent management, Developer portal, Regulatory reporting. Skaleet covers Cloud-native core, Payment hub, Card management, Lending.

Answered from the vendors’ own pages

Ozone API: Is this a competitor to Plaid or TrueLayer?

No, the opposite side. Ozone is bought by the bank exposing data; Plaid and TrueLayer consume it on behalf of third parties.

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Ozone API: Does it connect to my core banking system?

It provides the standards-compliant API surface and adapters, but connecting your core is an integration project you scope separately.

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

Ozone API: Which standards does it support?

UK Open Banking, Berlin Group, FDX, Consumer Data Right and Gulf regional standards, among others, from one platform.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

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