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APIs · head to head

Salt Edge vs Yapily

Salt Edge logo

Salt Edge

APIs

Independent open banking aggregator covering Europe by PSD2 API and other markets by direct connection

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: Salt Edge coverage outside regulated open banking markets is not all direct bank API, and connections that are not regulated interfaces break when a bank changes its systems, so a headline country count overstates the reliability you will actually experience.; 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: Salt Edge covers Account information, 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 Salt Edge and Yapily actually diverge.

Attributes where Salt Edge and Yapily differ
AttributeSalt EdgeYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes

Identical on both: platforms (Web, API), 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 Salt Edge

  • Account information
  • Wide country coverage
  • Open Banking Gateway
  • Categorisation and enrichment
  • Consent management
  • Partner and white label
  • Sandbox

Only in Yapily

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

Both cover

  • Payment initiation

What people use each for

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

Salt Edge

  • A lender operating across several European and non-EU markets that needs one aggregation contract rather than a different provider per countrynot Yapily
  • A fintech that wants an aggregator not owned by a card network because its use case competes with card productsnot Yapily
  • An accounting or treasury product that needs bank feeds in markets the large aggregators do not servenot Yapily
  • A bank that must publish PSD2-compliant APIs and would rather buy the compliance layer than build itnot Yapily

Yapily

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

Where each one falls short

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

Salt Edge

  • Coverage outside regulated open banking markets is not all direct bank API, and connections that are not regulated interfaces break when a bank changes its systems, so a headline country count overstates the reliability you will actually experience.
  • Pricing is not published and is usage-based, so two providers cannot be compared without running both sales processes, and cost grows with the connected user base rather than with revenue.
  • Support and engineering are distributed across Eastern Europe and Canada, and buyers in other time zones report slower turnaround on connection-specific breakages than they get from a domestic provider.
  • PSD2 consent rules require customers to reauthenticate periodically, and Salt Edge cannot change that, so any product depending on continuous data must design for consent expiry and the drop-off it causes.
  • United States coverage is weaker than Plaid or Mastercard Open Banking, so a company with meaningful US volume ends up running two aggregators and normalising between them.

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

Salt Edge

On request
  • Salt Edge Open Banking API$undefined/year
    • Account information and payment initiation
    • Coverage across 50 plus countries
    • Consent management and enrichment

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 Salt Edge if

  • You need account information.
  • You work on Web, API.
  • You also want wide country coverage.
Salt Edge 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 Salt Edge or Yapily better?
Neither clearly leads. Salt Edge 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, Salt Edge or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Salt Edge and Free for Yapily.
Does Salt Edge or Yapily run on more platforms?
Both run on Web, API, so platform support will not decide this one for you.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Salt Edge starts at On request.
What is Salt Edge best used for?
Salt Edge is most often used for a lender operating across several european and non-eu markets that needs one aggregation contract rather than a different provider per country, a fintech that wants an aggregator not owned by a card network because its use case competes with card products, an accounting or treasury product that needs bank feeds in markets the large aggregators do not serve, a bank that must publish psd2-compliant apis and would rather buy the compliance layer than build it. Of those, a lender operating across several european and non-eu markets that needs one aggregation contract rather than a different provider per country and a fintech that wants an aggregator not owned by a card network because its use case competes with card products are not what Yapily is typically brought in for.
What can Salt Edge do that Yapily cannot?
Salt Edge covers Account information, Wide country coverage, Open Banking Gateway, Categorisation and enrichment. Yapily covers Unified open banking API, Account information access, Free sandbox, Multi-country bank coverage. Both handle Payment initiation.

Answered from the vendors’ own pages

Salt Edge: Who owns Salt Edge?

It is independently owned, unlike Tink (Visa), Finicity (Mastercard) or Yodlee (Envestnet), which matters if your use case competes with the owner.

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

Salt Edge: Is all coverage direct bank API?

No. Inside PSD2 markets connections use regulated APIs; elsewhere coverage relies on direct connections whose reliability depends on the bank not changing its systems. Ask for a per-institution answer.

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.

Salt Edge: Does it do payments as well as data?

Yes, payment initiation is supported in European markets where PSD2 applies.

Yapily: Is production pricing published?

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

Salt Edge: What does it cost?

Not published. Pricing is usage-based and quoted, though the sandbox is free.

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