APIs · head to head
Skyflow vs Weavr
Skyflow
APIs
Data privacy vault that holds sensitive records outside your own systems
- From
- On request
- Rated
- -
Weavr
APIs
Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Skyflow reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.; Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
- They diverge on capability: Skyflow covers Tokenised storage, Weavr covers Plug-and-play products.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Skyflow and Weavr actually diverge.
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 Skyflow
- Tokenised storage
- Polymorphic encryption
- Field level access policies
- Data residency
- Secure functions
- PCI scope reduction
- Detokenisation gateway
- Audit trail
Only in Weavr
- Plug-and-play products
- Regulated cover
- Card issuing
- Multi-currency accounts
- Identity and onboarding
- Data insights
What people use each for
The jobs each tool is most often brought in to do.
Skyflow
- A fintech that wants card and bank account data out of its own infrastructure so its application servers leave PCI DSS assessment scopenot Weavr
- A company entering India or the EU with data localisation obligations that would otherwise require standing up regional databases and operationsnot Weavr
- A health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reportingnot Weavr
- An engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every servicenot Weavr
Weavr
- A project management SaaS adding expense cards without hiring a compliance officernot Skyflow
- A marketplace paying out sellers from accounts held inside its own productnot Skyflow
- A procurement platform issuing virtual cards against approved purchase ordersnot Skyflow
- A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot Skyflow
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Skyflow
- Reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
- Every read of a protected field becomes a network call to a third party, so latency and an external availability dependency enter paths that were previously local database reads, and outage planning has to account for a vendor you do not control.
- Analytics and joins on vaulted data are constrained; work that was a simple SQL join now happens through secure functions or on tokens, and data teams routinely discover this after the engineering team has committed.
- Unwinding the vault later is a rewrite rather than a migration because tokens are threaded through every service, so the switching cost climbs steadily and the negotiating position at renewal weakens with each release.
- Scope reduction is an architectural claim your own assessor must accept, so the audit saving is real only if the implementation genuinely keeps sensitive values off your systems, and partial implementations that leave a cache or a log line in place deliver the cost without the benefit.
Weavr
- Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
- Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
- It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
- Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
- European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.
Pricing, plan by plan
Skyflow
On request- Skyflow Data Privacy Vault$undefined/year
- Platform fee plus usage by data subject count
- Priced additionally per data residency region
- PCI Level 1, SOC 2 Type 2, ISO 27001 and HIPAA coverage
Weavr
On request- Weavr embedded finance$undefined/year
- Platform subscription plus per-account and per-card fees
- Interchange share negotiated as part of the commercial terms
- Monthly minimums apply to card programmes
Which should you pick?
Choose Skyflow if
- You need tokenised storage.
- You work on API, Web, Self-hosted.
- You also want polymorphic encryption.
Choose Weavr if
- You need plug-and-play products.
- You work on Web, REST API.
- You also want regulated cover.
Questions people ask
- Is Skyflow or Weavr better?
- Neither clearly leads. Skyflow starts at On request and Weavr at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Skyflow or Weavr?
- Skyflow starts at On request and Weavr at On request.
- Does Skyflow or Weavr run on more platforms?
- Skyflow runs on API, Web, Self-hosted. Weavr runs on Web, REST API.
- What is Skyflow best used for?
- Skyflow is most often used for a fintech that wants card and bank account data out of its own infrastructure so its application servers leave pci dss assessment scope, a company entering india or the eu with data localisation obligations that would otherwise require standing up regional databases and operations, a health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reporting, an engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every service. Of those, a fintech that wants card and bank account data out of its own infrastructure so its application servers leave pci dss assessment scope and a company entering india or the eu with data localisation obligations that would otherwise require standing up regional databases and operations are not what Weavr is typically brought in for.
- What can Skyflow do that Weavr cannot?
- Skyflow covers Tokenised storage, Polymorphic encryption, Field level access policies, Data residency. Weavr covers Plug-and-play products, Regulated cover, Card issuing, Multi-currency accounts.
Answered from the vendors’ own pages
Skyflow: Does Skyflow really take my systems out of PCI scope?
It can, if card data never touches your infrastructure and the detokenisation happens at the boundary. Your QSA has to agree the design, so validate the architecture with your assessor before signing.
Weavr: Do I need my own financial licence?
No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.
Skyflow: What does it cost?
Nothing is published. Reported annual contracts sit around 195,000 US dollars, built from a platform fee plus usage by data subject count and additional charges per data residency region.
Weavr: How is it different from a banking-as-a-service API?
It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.
Skyflow: How does it help with data localisation?
Records can be pinned to a specified region, so an Indian or EU residency requirement is met by the vault rather than by you running regional databases and operations teams.
Weavr: How does Weavr make money?
Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.
Skyflow: Can I still run analytics on vaulted data?
Partly. Aggregates and comparisons are supported through polymorphic encryption and secure functions, but arbitrary joins against other datasets are harder than they were, and this is the most common late surprise.
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