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APIs · head to head

Sila vs Skaleet

Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

From
On request
Rated
-
Full reviewWebsite
Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.; Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • They diverge on capability: Sila covers ACH origination, Skaleet covers Cloud-native core.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Sila and Skaleet actually diverge.

Attributes where Sila and Skaleet differ
AttributeSilaSkaleet
PlatformsWeb, APIWeb, REST API, Linux

Identical on both: starting price (On request), pricing model (quote), 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 Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

Only in Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

What people use each for

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

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Skaleet
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Skaleet
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Skaleet
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot Skaleet

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Sila
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Sila
  • A payroll or HR software company adding embedded banking to its productnot Sila
  • A payment service provider needing a ledger and accounts under its existing licencenot Sila

Where each one falls short

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

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

Pricing, plan by plan

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

Which should you pick?

Choose Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Choose Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet review

Questions people ask

Is Sila or Skaleet better?
Neither clearly leads. Sila starts at On request and Skaleet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Sila or Skaleet?
Sila starts at On request and Skaleet at On request.
Does Sila or Skaleet run on more platforms?
Sila runs on Web, API. Skaleet runs on Web, REST API, Linux.
What is Sila best used for?
Sila is most often used for a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three, a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself, a community bank replacing batch file ach processing with an api so it can offer real-time payments to business customers, a lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integration. Of those, a small fintech that needs ach, identity verification and a ledger from one vendor because it has no compliance team to assemble three and a marketplace paying out to sellers that wants same-day ach and instant push options without becoming a money transmitter itself are not what Skaleet is typically brought in for.
What can Sila do that Skaleet cannot?
Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts. Skaleet covers Cloud-native core, Payment hub, Card management, Lending.

Answered from the vendors’ own pages

Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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