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APIs · head to head

Paymentology vs Sanity

Paymentology logo

Paymentology

APIs

Cloud issuer processing across emerging and developed markets

From
On request
Rated
-
Full reviewWebsite
Sanity logo

Sanity

APIs

Headless CMS with real-time collaborative editing and structured content APIs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Sanity has a free tier, so it costs nothing to try first.
  • Each has a real cost: Paymentology paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.; Sanity free plan limited to 10,000 documents and 100GB assets
  • They diverge on capability: Paymentology covers Global issuer processing, Sanity covers Content API.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Paymentology and Sanity actually diverge.

Attributes where Paymentology and Sanity differ
AttributePaymentologySanity
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, APIWeb
FoundedUnknown2011

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 Paymentology

  • Global issuer processing
  • Real time transaction data
  • Virtual and physical issuance
  • Tokenisation
  • Multi currency and multi product
  • Card controls
  • Programme management tools
  • Fraud and risk integration

Only in Sanity

  • Content API
  • Collaborative editing
  • Structured content
  • Webhooks
  • Third-party services
  • GROQ query language
  • Cloud support
  • JavaScript SDK support

What people use each for

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

Paymentology

  • A neobank launching cards in an African or South East Asian market where hosted United States processors have no certificationnot Sanity
  • A mobile money operator adding a card product on top of an existing wallet basenot Sanity
  • A bank consolidating several regional card processors onto one platformnot Sanity
  • A fintech expanding an existing card programme into the Gulf without re platformingnot Sanity

Sanity

  • Headless CMS for structured content managementnot Paymentology
  • Collaborative content editing with real-time multiplayer supportnot Paymentology
  • API-driven content delivery with GROQ query languagenot Paymentology

Where each one falls short

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

Paymentology

  • Paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
  • Fees include per active card charges and monthly minimums, so a portfolio with many dormant cards pays for plastic that generates no interchange.
  • Certification, settlement and scheme relationships differ by country, so a multi market rollout is a series of separate projects rather than one integration.
  • As a processor it sits between your product and the networks, meaning outages and scheme mandate changes reach your cardholders through a party you do not control.
  • Documentation and developer self service are weaker than the United States hosted processors, so early integration depends heavily on Paymentology implementation staff.

Sanity

  • Free plan limited to 10,000 documents and 100GB assets
  • Free plan supports only public datasets
  • Growth plan capped at 50 seats maximum
  • Private datasets, scheduled drafts, and comments/tasks require paid plans
  • Annual billing unavailable for Growth plan; Enterprise-only

Pricing, plan by plan

Paymentology

On request
  • Paymentology processing$undefined/year
    • Quoted per programme and per market
    • Typically per transaction and per active card fees plus a monthly minimum
    • Issuing licence or sponsor bank required in each market and not provided

Sanity

Free
  • FreeFree
    • Up to 20 seats
    • 2 public datasets only
    • 10,000 documents included
  • Growth$15/month
    • Up to 50 seats per seat
    • 2 private or public datasets
    • 25,000 documents included
  • Enterprise$null/month
    • Custom seats
    • Custom datasets
    • Custom document limits

Which should you pick?

Choose Paymentology if

  • You need global issuer processing.
  • You work on Web, API.
  • You also want real time transaction data.
Paymentology review

Choose Sanity if

  • You need content api.
  • You want to start without paying.
  • You also want collaborative editing.
Sanity review

Questions people ask

Is Paymentology or Sanity better?
Neither clearly leads. Paymentology starts at On request and Sanity at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Paymentology or Sanity?
Sanity has a free tier; the other does not. Paid plans start at On request for Paymentology and Free for Sanity.
Does Paymentology or Sanity run on more platforms?
Paymentology runs on Web, API. Sanity runs on Web.
Can I use Sanity for free?
Yes. Sanity has a free tier, so you can try it without paying. Paymentology starts at On request.
What is Paymentology best used for?
Paymentology is most often used for a neobank launching cards in an african or south east asian market where hosted united states processors have no certification, a mobile money operator adding a card product on top of an existing wallet base, a bank consolidating several regional card processors onto one platform, a fintech expanding an existing card programme into the gulf without re platforming. Of those, a neobank launching cards in an african or south east asian market where hosted united states processors have no certification and a mobile money operator adding a card product on top of an existing wallet base are not what Sanity is typically brought in for.
What can Paymentology do that Sanity cannot?
Paymentology covers Global issuer processing, Real time transaction data, Virtual and physical issuance, Tokenisation. Sanity covers Content API, Collaborative editing, Structured content, Webhooks.

Answered from the vendors’ own pages

Paymentology: Does Paymentology provide the BIN and licence?

No. You need your own issuing licence or a sponsor bank in each market; Paymentology processes the transactions.

Sanity: What does the Sanity Free plan include?

The Free plan includes up to 20 seats, 2 public datasets, 10,000 documents, 1 million API CDN requests per month, and 2 permission roles.

Source
Paymentology: What is the actual pricing model?

Per transaction and per active card, with a monthly minimum. Dormant cards still cost, so model your activation rate.

Sanity: How much does Sanity Growth plan cost per user?

The Growth plan costs $15 per seat per month, with up to 50 seats, and includes 25,000 documents, 1 million API CDN requests, and 5 permission roles.

Source
Paymentology: Why choose it over a United States issuer processor?

Network certification and live programmes in markets where those processors do not operate, which decides feasibility rather than preference.

Sanity: What is included in Sanity Enterprise pricing?

Enterprise pricing is custom and requires contacting sales. It includes custom seat limits, custom datasets, Single Sign-On, and dedicated support.

Source
Sanity: Does Sanity offer annual billing discounts?

Annual and invoice payment options are available exclusively for Enterprise customers. Self-serve plans (Free and Growth) use monthly billing only.

Source
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