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APIs · head to head

Skaleet vs Yapily

Skaleet logo

Skaleet

APIs

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

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: 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.; 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: Skaleet covers Cloud-native core, 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 Skaleet and Yapily actually diverge.

Attributes where Skaleet and Yapily differ
AttributeSkaleetYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes
PlatformsWeb, REST API, LinuxWeb, API

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 Skaleet

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

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.

Skaleet

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

Yapily

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

Where each one falls short

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

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.

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

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

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 Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet 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 Skaleet or Yapily better?
Neither clearly leads. Skaleet 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, Skaleet or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Skaleet and Free for Yapily.
Does Skaleet or Yapily run on more platforms?
Skaleet runs on Web, REST API, Linux. Yapily runs on Web, API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Skaleet starts at On request.
What is Skaleet best used for?
Skaleet is most often used for a banking group launching a digital savings or deposit brand in a new country within a year, a bank modernising payments to iso 20022 without replacing its whole core, a payroll or hr software company adding embedded banking to its product, a payment service provider needing a ledger and accounts under its existing licence. Of those, a banking group launching a digital savings or deposit brand in a new country within a year and a bank modernising payments to iso 20022 without replacing its whole core are not what Yapily is typically brought in for.
What can Skaleet do that Yapily cannot?
Skaleet covers Cloud-native core, Payment hub, Card management, Lending. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Skaleet: What was Skaleet called before?

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

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

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.

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.

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.

Yapily: Is production pricing published?

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

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