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APIs · head to head

Portkey vs Yapily

Portkey logo

Portkey

APIs

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

From
On request
Rated
-
Full reviewWebsite
Yapily logo

Yapily

APIs

Open banking API infrastructure for account data and pay-by-bank payments across Europe

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Yapily has a free tier, so it costs nothing to try first.
  • 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.; Yapily production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Portkey and Yapily actually diverge.

Attributes where Portkey and Yapily differ
AttributePortkeyYapily
Starting priceOn requestFree
Pricing modelUnknownFree sandbox, pay-as-you-go production
Free tierNoYes
PlatformsWebWeb, API

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 Portkey

Nothing recorded that Yapily does not also cover.

Only in Yapily

  • Unified open banking API
  • Account information access
  • Payment initiation
  • Free sandbox
  • Multi-country bank coverage
  • Webhooks and reconciliation tooling

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 Yapily
  • Monitoring and observing LLM behavior in production environmentsnot Yapily
  • Managing costs and setting budget limits for AI spendingnot Yapily
  • Implementing guardrails and PII redaction for secure AI interactionsnot Yapily

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot Portkey
  • A lending or budgeting product needing bank account data for affordability checksnot Portkey
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot Portkey
  • A company prototyping open banking features for free in sandbox before committing budgetnot 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.

Yapily

  • Production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
  • Consumer adoption of pay-by-bank still lags card payments, so merchants offering it as a checkout option typically see it used as a secondary rather than primary payment method.
  • Coverage depends on the banks in each country maintaining reliable open banking APIs, and inconsistent bank-side reliability across markets is a known category-wide weakness, not unique to Yapily but not solved by it either.
  • As infrastructure for both account data and payments, a company only needing one of those two capabilities is still evaluating a broader platform than it may need.
  • Regulatory dependence on PSD2 and UK open banking rules means the underlying legal framework, not just Yapily's product, could shift and affect what is possible on the platform.

Pricing, plan by plan

Portkey

On request

No published plan breakdown. See the Portkey review.

Yapily

Free
  • SandboxFree
    • Free testing environment
    • UK and European bank connections for development
  • Production$undefined/month
    • Pay-as-you-go pricing, exact rates not published
    • Typical pay-by-bank cost of 0.1 to 0.5% or a flat 5 to 30 pence per transaction

Which should you pick?

Choose Portkey if

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

Portkey review

Choose Yapily if

  • You need unified open banking api.
  • You want to start without paying.
  • You work on Web, API.
  • You also want account information access.
Yapily review

Questions people ask

Is Portkey or Yapily better?
Neither clearly leads. Portkey starts at On request and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Portkey or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Portkey and Free for Yapily.
Does Portkey or Yapily run on more platforms?
Portkey runs on Web. Yapily runs on Web, API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Portkey starts at On request.
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 Yapily is typically brought in for.
What can Portkey do that Yapily cannot?
Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

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
Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

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
Yapily: How much cheaper is pay-by-bank than card payments?

Typically 0.1 to 0.5% of transaction value, or a flat 5 to 30 pence, against 1.5 to 3.5% for card scheme fees.

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
Yapily: Is production pricing published?

No, production access is pay-as-you-go but exact rates require a sales conversation.

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
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