APIs · head to head
Skyflow vs Zimpler
Skyflow
APIs
Data privacy vault that holds sensitive records outside your own systems
- From
- On request
- Rated
- -
Zimpler
APIs
Nordic and Brazilian account-to-account payments for regulated high-risk sectors
- 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.; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
- They diverge on capability: Skyflow covers Tokenised storage, Zimpler covers Bank payments.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Skyflow and Zimpler 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 Zimpler
- Bank payments
- BankID identity
- Payouts
- Recurring payments
- Risk screening
- Brazil coverage
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 Zimpler
- A company entering India or the EU with data localisation obligations that would otherwise require standing up regional databases and operationsnot Zimpler
- A health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reportingnot Zimpler
- 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 Zimpler
Zimpler
- A Swedish gambling operator needing deposit and verified identity in a single customer flownot Skyflow
- A Nordic merchant wanting instant bank payouts rather than card refundsnot Skyflow
- A trading platform where confirming account ownership before funding is a regulatory requirementnot Skyflow
- A European operator expanding into Brazil and wanting one provider across both marketsnot 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.
Zimpler
- Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
- As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
- Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
- Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
- Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.
Pricing, plan by plan
Skyflow
On request- Skyflow Data Privacy Vault$undefined/year
- Platform fee plus usage by data subject count
- Priced additionally per data residency region
- PCI Level 1, SOC 2 Type 2, ISO 27001 and HIPAA coverage
Zimpler
On request- Zimpler payments$undefined/year
- Per-transaction pricing quoted by industry, risk and volume
- Separate pricing for payouts and identity verification
- Merchant underwriting required, with sector restrictions
Which should you pick?
Choose Skyflow if
- You need tokenised storage.
- You work on API, Web, Self-hosted.
- You also want polymorphic encryption.
Choose Zimpler if
- You need bank payments.
- You work on Web, REST API.
- You also want bankid identity.
Questions people ask
- Is Skyflow or Zimpler better?
- Neither clearly leads. Skyflow starts at On request and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Skyflow or Zimpler?
- Skyflow starts at On request and Zimpler at On request.
- Does Skyflow or Zimpler run on more platforms?
- Skyflow runs on API, Web, Self-hosted. Zimpler 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 Zimpler is typically brought in for.
- What can Skyflow do that Zimpler cannot?
- Skyflow covers Tokenised storage, Polymorphic encryption, Field level access policies, Data residency. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.
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.
Zimpler: Which markets does Zimpler cover?
Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.
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.
Zimpler: Does it handle identity verification?
Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.
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.
Zimpler: Is pricing published?
No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.
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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