Is Neonomics or Solaris better?

Neither clearly leads. Neonomics starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Neonomics or Solaris?

Neonomics starts at On request and Solaris at On request.

Does Neonomics or Solaris run on more platforms?

Both run on Web, API, so platform support will not decide this one for you.

What is Neonomics best used for?

Neonomics is most often used for a norwegian or swedish merchant collecting payments directly from bank accounts to avoid card fees, a debt collection agency sending request to pay messages instead of chasing bank transfers manually, a software vendor embedding pay by bank into an accounting or invoicing product for nordic customers, a business needing both uk and nordic bank payment coverage from one supplier. Of those, a norwegian or swedish merchant collecting payments directly from bank accounts to avoid card fees and a debt collection agency sending request to pay messages instead of chasing bank transfers manually are not what Solaris is typically brought in for.

What can Neonomics do that Solaris cannot?

Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

APIs · head to head

Neonomics vs Solaris

Neonomics

APIs

Nordic open banking payments and data, now with UK coverage through Ordo

From: On request
Rated: -

Full review Website

Solaris

APIs

German banking as a service with a full banking licence and a live regulatory problem

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Neonomics coverage outside the Nordics and the UK is comparatively shallow, so a pan European merchant will find gaps and inconsistent bank behaviour in southern and eastern markets.; Solaris baFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
They diverge on capability: Neonomics covers Payment initiation, Solaris covers German banking licence.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Neonomics and Solaris actually diverge.

Attributes where Neonomics and Solaris differ
Attribute	Neonomics	Solaris

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, API), 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 Neonomics

Payment initiation
Account information
Nordic bank depth
UK coverage via Ordo
Variable recurring payments
Request to pay
White label journeys
Reconciliation data

Only in Solaris

German banking licence
IBAN accounts
Card issuing
Lending as a service
Digital assets and custody
SEPA payments
KYC and onboarding
Deposit protection

What people use each for

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

Neonomics

A Norwegian or Swedish merchant collecting payments directly from bank accounts to avoid card feesnot Solaris
A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Solaris
A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Solaris
A business needing both UK and Nordic bank payment coverage from one suppliernot Solaris

Solaris

A retailer or platform launching a German current account or card product without applying for its own licencenot Neonomics
A fintech that needs deposit taking and lending, which an e-money licence cannot providenot Neonomics
A European business needing German IBANs because customers reject foreign IBANs for salary and direct debitnot Neonomics
A company requiring German statutory deposit protection on customer balances as a product claimnot Neonomics

Where each one falls short

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

Neonomics

Coverage outside the Nordics and the UK is comparatively shallow, so a pan European merchant will find gaps and inconsistent bank behaviour in southern and eastern markets.
It is a small company relative to Tink and TrueLayer, so supplier viability and the depth of engineering support behind bank API changes are genuine procurement questions.
Payment initiation only means the merchant handles settlement, reconciliation and refunds, and there is no chargeback framework to fall back on.
Integrating a recently acquired UK business means two regulatory entities and, for a period, two technology stacks, so cross market feature parity is a promise rather than an existing state.
Conversion is governed by each bank's own authentication experience, and Nordic BankID flows behave differently from UK app redirects, so a single UX cannot be assumed across the footprint.

Solaris

BaFin appointed a special representative in 2022 and extended the mandate in July 2024, so a partner is joining a bank under active supervisory monitoring, with slower approvals and heavier compliance demands as a direct consequence.
BaFin fined Solaris EUR 6.5 million in March 2024 for systematically late suspicious activity reports and EUR 500,000 for breaching large exposure limits between January 2022 and March 2024, which is a track record a partner inherits reputationally.
Solaris has previously needed BaFin approval before onboarding new corporate clients, which can turn a commercial decision to launch into a regulatory timetable outside your control.
The 2024 restructuring involved job cuts and the closure of parts of a business unit, so product lines a partner depends on may not have the engineering behind them that the sales process implies.
SBI Holdings acquired majority control in 2025, so strategic direction now sits with a Japanese financial group whose priorities for the European business may differ from the roadmap you were sold.

Pricing, plan by plan

Neonomics

On request

Neonomics platform$undefined/year
- Quoted per customer, typically per initiated payment or per API call
- Volume commitments and monthly minimums are common
- Payment initiation only; merchant handles settlement and refunds

Solaris

On request

Solaris banking as a service$undefined/year
- Quoted per partner, typically setup fee plus monthly platform fee
- Per account, per card and per transaction charges on top
- Interchange sharing arrangements negotiated per programme

Which should you pick?

Choose Neonomics if

You need payment initiation.
You work on Web, API.
You also want account information.

Neonomics review

Choose Solaris if

You need german banking licence.
You work on Web, API.
You also want iban accounts.

Solaris review

Questions people ask

Is Neonomics or Solaris better?: Neither clearly leads. Neonomics starts at On request and Solaris at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Neonomics or Solaris?: Neonomics starts at On request and Solaris at On request.
Does Neonomics or Solaris run on more platforms?: Both run on Web, API, so platform support will not decide this one for you.
What is Neonomics best used for?: Neonomics is most often used for a norwegian or swedish merchant collecting payments directly from bank accounts to avoid card fees, a debt collection agency sending request to pay messages instead of chasing bank transfers manually, a software vendor embedding pay by bank into an accounting or invoicing product for nordic customers, a business needing both uk and nordic bank payment coverage from one supplier. Of those, a norwegian or swedish merchant collecting payments directly from bank accounts to avoid card fees and a debt collection agency sending request to pay messages instead of chasing bank transfers manually are not what Solaris is typically brought in for.
What can Neonomics do that Solaris cannot?: Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo. Solaris covers German banking licence, IBAN accounts, Card issuing, Lending as a service.

Answered from the vendors’ own pages

Neonomics: Is Neonomics authorised in the UK?

Yes, through the acquisition of Ordo, an FCA authorised open banking payments firm, approved by the FCA and the Norwegian regulator.

Solaris: Does Solaris have a real banking licence?

Yes. Solaris SE is a German credit institution, which is why it can offer deposits and lending, unlike e-money based competitors.

Neonomics: Does it support variable recurring payments?

Yes in the UK through the Ordo capability, subject to which banks support commercial VRP; support elsewhere is more limited.

Solaris: Is the BaFin action still live?

The special representative appointed in 2022 had the mandate extended in July 2024, and fines were issued in March 2024. Treat supervisory oversight as an active condition in your diligence.

Neonomics: Does Neonomics hold merchant funds?

No. It initiates payments; settlement, reconciliation and refunds remain with the merchant or its payment provider.

Solaris: Who owns Solaris now?

SBI Holdings of Japan agreed in December 2024 and January 2025 to take a majority stake of over seventy per cent for around EUR 100 million.

Neonomics vs Solaris

Neonomics

Solaris

The short version

Where they differ

What each one covers

Only in Neonomics

Only in Solaris

What people use each for

Neonomics

Solaris

Where each one falls short

Neonomics

Solaris

Pricing, plan by plan

Neonomics

Solaris

Which should you pick?

Choose Neonomics if

Choose Solaris if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Neonomics

More on Solaris

Keep looking

Other head to heads