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APIs · head to head

Sila vs Very Good Security

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
Very Good Security logo

Very Good Security

Cybersecurity

Tokenisation proxy that keeps card and personal data out of your own systems and out of PCI scope

From
$1000/month
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.; Very Good Security vGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • They diverge on capability: Sila covers ACH origination, Very Good Security covers Aliasing proxy.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Sila and Very Good Security actually diverge.

Attributes where Sila and Very Good Security differ
AttributeSilaVery Good Security
Starting priceOn request$1000/month
Pricing modelquotePer month
CategoryAPIsCybersecurity

Identical on both: free tier (No), platforms (Web, API), user rating (Not yet rated).

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 Very Good Security

  • Aliasing proxy
  • PCI scope reduction
  • Network tokenisation
  • Processor optionality
  • Card issuing data
  • Vault and access controls
  • Data residency options
  • Compliance artefacts

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 Very Good Security
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Very Good Security
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Very Good Security
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot Very Good Security

Very Good Security

  • A marketplace facing its first PCI DSS Level 1 assessment that wants to keep card data off its own estate rather than harden a dozen servicesnot Sila
  • A merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoreticalnot Sila
  • A fintech collecting bank account and identity documents that wants sensitive fields absent from logs, backups and analytics warehouses by constructionnot Sila
  • A card issuer that must display a full PAN in its own mobile app without the app or its backend touching cardholder datanot 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.

Very Good Security

  • VGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • Token portability is the whole selling point yet leaving VGS means migrating tokens back out, a project the vendor has no incentive to streamline, so the lock-in you removed from your acquirer partly moves to VGS.
  • Entry pricing at around one thousand US dollars a month is real money for a pre-revenue fintech, and it buys volume-limited throughput, so cost scales with exactly the growth that made you buy it.
  • Scope reduction is not scope elimination: your QSA still assesses how you integrate, and teams regularly discover that a support tool or an internal admin screen pulled plaintext back in and dragged systems into scope again.
  • Proxy-based interception constrains how you design request flows, and non-standard payloads, streaming uploads or binary formats often need custom routing rules that make debugging production issues noticeably harder.

Pricing, plan by plan

Sila

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

Very Good Security

$1000/month
  • Starter$1000/month
    • Aliasing proxy
    • Vault storage
    • PCI scope reduction
  • Growth$undefined/month
    • Network tokenisation
    • Multiple processors
    • Data residency options
  • Enterprise$undefined/year
    • Custom vault architecture
    • Dedicated support and SLA
    • Contractual compliance coverage

Which should you pick?

Choose Sila if

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

Choose Very Good Security if

  • You need aliasing proxy.
  • You work on Web, API.
  • You also want pci scope reduction.
Very Good Security review

Questions people ask

Is Sila or Very Good Security better?
Neither clearly leads. Sila starts at On request and Very Good Security at $1000/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Sila or Very Good Security?
Sila starts at On request and Very Good Security at $1000/month.
Does Sila or Very Good Security run on more platforms?
Both run on Web, API, so platform support will not decide this one for you.
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 Very Good Security is typically brought in for.
What can Sila do that Very Good Security cannot?
Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts. Very Good Security covers Aliasing proxy, PCI scope reduction, Network tokenisation, Processor optionality.

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.

Very Good Security: Does VGS make me PCI compliant?

No. It removes cardholder data from your systems so your assessment covers a far smaller boundary, but you still complete an assessment and your integration is part of it.

Sila: Is Sila still operating?

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

Very Good Security: Can I move to another processor without re-collecting cards?

Yes, that is a core reason people buy it. The vault reveals stored credentials to whichever processor you route to.

Sila: What does it cost?

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

Very Good Security: What does it cost?

Published entry pricing is about one thousand US dollars per month; growth and enterprise tiers are quoted.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

Very Good Security: Is it only for card data?

No. The proxy handles any sensitive field, including bank details, national identifiers and documents, though payments is where the product is now focused.

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