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APIs · head to head

Strapi vs Tink

Strapi logo

Strapi

APIs

Headless CMS with REST and GraphQL APIs

From
$35/month
Rated
-
Full reviewWebsite
Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Strapi cloud pricing is per project, not per account, so a second project doubles the bill; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • They diverge on capability: Strapi covers REST API, Tink covers Account data access.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Strapi and Tink actually diverge.

Attributes where Strapi and Tink differ
AttributeStrapiTink
Starting price$35/monthOn request
Pricing modelsubscriptionquote
PlatformsNode.js, Cloud, Self-hosted, DockerAPI, Web
Founded2015Unknown

Identical on both: 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 Strapi

  • REST API
  • GraphQL API
  • Content management
  • PostgreSQL
  • MySQL
  • MongoDB
  • AWS
  • Webhooks

Only in Tink

  • Account data access
  • Payment initiation
  • EEA passporting
  • Categorisation
  • Account verification
  • Risk and affordability signals
  • Variable recurring payments support
  • Consent management

What people use each for

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

Strapi

  • Running a self hosted headless CMS with a REST or GraphQL APInot Tink
  • Giving editors a content admin panel over a custom content modelnot Tink

Tink

  • A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Strapi
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Strapi
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Strapi
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Strapi

Where each one falls short

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

Strapi

  • Cloud pricing is per project, not per account, so a second project doubles the bill
  • Starter at $35 a month allows 100,000 API requests, and overage is $1.50 per 25,000
  • Extra bandwidth is $30 per 100 GB and extra asset storage $0.60 per GB
  • Backups start at the Pro plan, weekly, and only become daily at Business
  • An uptime SLA is Business only, at $450 a month per project
  • Additional environments cost $60 a month on Pro and $300 a month on Business

Tink

  • Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
  • Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
  • PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
  • Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
  • Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

Pricing, plan by plan

Strapi

$35/month
  • Starter$35/month
    • 100k API requests
    • 50 GB asset storage
    • 50 GB asset bandwidth
  • Pro$90/month
    • 1M API requests
    • 250 GB asset storage
    • 500 GB asset bandwidth
  • Business$450/month
    • 10M API requests
    • 1000 GB asset storage
    • 1000 GB asset bandwidth

Tink

On request
  • Tink Platform$undefined/year
    • Priced by product, market and volume
    • Data access and payment initiation priced separately
    • Annual commitments typical for enterprise agreements

Which should you pick?

Choose Strapi if

  • You need rest api.
  • You work on Node.js, Cloud, Self-hosted, Docker.
  • You also want graphql api.
Strapi review

Choose Tink if

  • You need account data access.
  • You work on API, Web.
  • You also want payment initiation.
Tink review

Questions people ask

Is Strapi or Tink better?
Neither clearly leads. Strapi starts at $35/month and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Strapi or Tink?
Strapi starts at $35/month and Tink at On request.
Does Strapi or Tink run on more platforms?
Strapi runs on Node.js, Cloud, Self-hosted, Docker. Tink runs on API, Web.
What is Strapi best used for?
Strapi is most often used for running a self hosted headless cms with a rest or graphql api, giving editors a content admin panel over a custom content model. Of those, running a self hosted headless cms with a rest or graphql api and giving editors a content admin panel over a custom content model are not what Tink is typically brought in for.
What can Strapi do that Tink cannot?
Strapi covers REST API, GraphQL API, Content management, PostgreSQL. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

Strapi: How much do API request overages cost?

Additional API requests beyond the plan limit cost $1.50 per 25000 requests. Extra asset storage costs $0.60 per GB, and additional bandwidth costs $30 per 100 GB.

Source
Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

Strapi: Is yearly billing available?

Yes, yearly billing saves up to 17% compared to monthly billing on Strapi Cloud plans.

Source
Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

Strapi: What is included with the Pro plan?

The Pro plan costs $90 per month per project and includes 1M API requests, 250 GB asset storage, 500 GB bandwidth, multi-environment support, weekly backups, and manual backups.

Source
Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

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