APIs · head to head
Prisma vs Thredd
Thredd
APIs
Issuer processing platform for fintechs and digital banks, formerly Global Processing Services
- From
- On request
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- Each has a real cost: Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage; Thredd pricing is entirely unpublished, so cost comparison against competing processors requires a sales process.
- They diverge on capability: Prisma covers ORM, Thredd covers Issuer processing.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Prisma and Thredd actually diverge.
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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js support
Only in Thredd
- Issuer processing
- Multi-country reach
- Scheme certification
- Programme support across verticals
- High platform availability
- Global office footprint
What people use each for
The jobs each tool is most often brought in to do.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Thredd
- Adding a managed connection pool and edge cache in front of an existing databasenot Thredd
Thredd
- A digital bank or fintech needing issuer processing across many countries under one contractnot Prisma
- A BNPL, lending or crypto product needing certified card processing behind its own brandnot Prisma
- A company that finds outdated Global Processing Services (GPS) material and needs to confirm it is now Threddnot Prisma
- An embedded finance platform wanting a processor already integrated with core banking systems such as Mambunot Prisma
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
Thredd
- Pricing is entirely unpublished, so cost comparison against competing processors requires a sales process.
- The 2023 rebrand from GPS to Thredd means research under either name alone can miss relevant material, and partner or press references before 2023 will still say GPS.
- Issuer processing does not include the banking licence itself, so a fintech still needs a separate BIN sponsor or bank partner, adding a second relationship to manage.
- As shared infrastructure behind many fintech brands, an outage or processing delay at Thredd becomes a simultaneous incident for every programme running on it, with limited visibility for any single customer into root cause.
- Its verticals span crypto, BNPL and remittance broadly, so depth of specialist support in any one vertical may be thinner than a processor focused narrowly on that niche.
Pricing, plan by plan
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
Thredd
On request- Thredd$undefined/year
- Volume and programme-based pricing, not published
- Custom quote required via sales
Which should you pick?
Choose Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Choose Thredd if
- You need issuer processing.
- You work on Web, API.
- You also want multi-country reach.
Questions people ask
- Is Prisma or Thredd better?
- Neither clearly leads. Prisma starts at Free and Thredd at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Prisma or Thredd?
- Prisma has a free tier; the other does not. Paid plans start at Free for Prisma and On request for Thredd.
- Does Prisma or Thredd run on more platforms?
- Prisma runs on Node.js, TypeScript. Thredd runs on Web, API.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Thredd starts at On request.
- What is Prisma best used for?
- Prisma is most often used for using a type safe orm and query layer against a postgres database, adding a managed connection pool and edge cache in front of an existing database. Of those, using a type safe orm and query layer against a postgres database and adding a managed connection pool and edge cache in front of an existing database are not what Thredd is typically brought in for.
- What can Prisma do that Thredd cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Thredd covers Issuer processing, Multi-country reach, Scheme certification, Programme support across verticals.
Answered from the vendors’ own pages
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceThredd: Is Thredd the same company as Global Processing Services?
Yes, GPS rebranded as Thredd in 2023; it is the same company and platform.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceThredd: Does it hold the banking licence for programmes it processes?
No, Thredd is the issuer processor; a separate bank or BIN sponsor holds the actual issuing licence.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceThredd: Is pricing published?
No, it requires a sales conversation.
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