Softwr

APIs · head to head

Portkey vs Tink

Portkey logo

Portkey

APIs

Observe, govern, and secure every AI interaction across your enterprise

From
On request
Rated
-
Full reviewWebsite
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Portkey the free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Portkey and Tink actually diverge.

Attributes where Portkey and Tink differ
AttributePortkeyTink
Pricing modelUnknownquote
PlatformsWebAPI, Web

Identical on both: starting price (On request), 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 Portkey

Nothing recorded that Tink does not also cover.

Only in Tink

  • Account data access
  • Payment initiation
  • EEA passporting
  • Categorisation
  • Account verification
  • Risk and affordability signals
  • Variable recurring payments support
  • Consent management

What people use each for

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

Portkey

  • Accessing 1,600+ language models through unified API gatewaynot Tink
  • Monitoring and observing LLM behavior in production environmentsnot Tink
  • Managing costs and setting budget limits for AI spendingnot Tink
  • Implementing guardrails and PII redaction for secure AI interactionsnot Tink

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Portkey
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Portkey
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Portkey
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Portkey

Where each one falls short

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

Portkey

  • The free Developer tier records only 10,000 logs per month with 3 day log retention; the $49 per month Production tier raises that to 100,000 logs with $9 per additional 100,000 requests, as of August 2026.

Tink

  • Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
  • PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
  • Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
  • Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

Pricing, plan by plan

Portkey

On request

No published plan breakdown. See the Portkey review.

Tink

On request
  • Tink Platform$undefined/year
    • Priced by product, market and volume
    • Data access and payment initiation priced separately
    • Annual commitments typical for enterprise agreements

Which should you pick?

Choose Portkey if

Nothing in the data separates Portkey from Tink on the points above - pick on price and on how each one feels to use.

Portkey review

Choose Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is Portkey or Tink better?
Neither clearly leads. Portkey starts at On request and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Portkey or Tink?
Portkey starts at On request and Tink at On request.
Does Portkey or Tink run on more platforms?
Portkey runs on Web. Tink runs on API, Web.
What is Portkey best used for?
Portkey is most often used for accessing 1,600+ language models through unified api gateway, monitoring and observing llm behavior in production environments, managing costs and setting budget limits for ai spending, implementing guardrails and pii redaction for secure ai interactions. Of those, accessing 1,600+ language models through unified api gateway and monitoring and observing llm behavior in production environments are not what Tink is typically brought in for.
What can Portkey do that Tink cannot?
Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

Portkey: What happens if I exceed my Portkey plan's request limit?

Production tier ($49/month) charges $9 per additional 100,000 requests beyond the included 100,000. Enterprise customers have custom limits determined through their service agreement. Source: https://portkey.ai/pricing

Source
Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Portkey: Can I self-host Portkey to avoid per-request billing?

Yes. Portkey offers an Open Source self-hosted version with unlimited requests at no cost, including universal API, routing, guardrails, and load balancing features. Source: https://portkey.ai/pricing

Source
Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

Portkey: How long does Portkey retain my logs and metrics?

Free Developer tier retains logs 3 days and metrics 30 days. Production tier retains logs 30 days and metrics 90 days. Enterprise tier offers custom retention periods. Source: https://portkey.ai/pricing

Source
Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Portkey: What compliance features are included in the Enterprise plan?

Enterprise tier includes SOC2 Type 2 certification, GDPR compliance, HIPAA compliance, VPC hosting, SSO, advanced guardrails, and dedicated support. Custom pricing required. Source: https://portkey.ai/pricing

Source
Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

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