APIs · head to head
Prisma vs Yapily
Yapily
APIs
Open banking API infrastructure for account data and pay-by-bank payments across Europe
- From
- Free
- Rated
- -
The short version
- 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; 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.
- They diverge on capability: Prisma covers ORM, Yapily covers Unified open banking API.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Prisma and Yapily actually diverge.
Identical on both: starting price (Free), free tier (Yes), 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 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.
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Yapily
- Adding a managed connection pool and edge cache in front of an existing databasenot Yapily
Yapily
- A merchant wanting a lower-cost payment method alongside card acceptancenot Prisma
- A lending or budgeting product needing bank account data for affordability checksnot Prisma
- A business wanting one API instead of separate integrations to each bank's own open banking standardnot Prisma
- A company prototyping open banking features for free in sandbox before committing budgetnot 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
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
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 ($1 per million overage)
- 100 GB storage
Yapily
Free- SandboxFree
- Free testing environment
- UK and European bank connections for development
- Production$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 Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
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.
Questions people ask
- Is Prisma or Yapily better?
- Neither clearly leads. Prisma starts at Free and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Prisma or Yapily?
- Prisma starts at Free and Yapily at Free.
- Does Prisma or Yapily run on more platforms?
- Prisma runs on Node.js, TypeScript. Yapily runs on Web, API.
- Can I use Prisma for free?
- Both have a free tier, so you can try either at no cost before committing.
- 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 Yapily is typically brought in for.
- What can Prisma do that Yapily cannot?
- Prisma covers ORM, Query builder, Auto-migrations, Node.js. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.
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.
SourceYapily: Is there a free way to try it?
Yes, sandbox access is free for development and testing.
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.
SourceYapily: 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.
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.
SourceYapily: Is production pricing published?
No, production access is pay-as-you-go but exact rates require a sales conversation.
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