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APIs · head to head

Svix vs Tink

Svix logo

Svix

APIs

Outbound webhook sending as a service, with retries, signing and a customer-facing portal

From
Free
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

  • Only Svix has a free tier, so it costs nothing to try first.
  • Each has a real cost: Svix the Professional tier at 490 US dollars a month includes the same 50,000 messages as the free tier, so the upgrade buys SLA, throughput and retention rather than volume, which is a jarring step for a growing product.; 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: Svix covers Automatic retries, Tink covers Account data access.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Svix and Tink actually diverge.

Attributes where Svix and Tink differ
AttributeSvixTink
Starting priceFreeOn request
Pricing modelPer month by message countquote
Free tierYesNo
PlatformsWeb, Cloud, DockerAPI, Web

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 Svix

  • Automatic retries
  • Payload signing
  • Consumer portal
  • Event types and filtering
  • Delivery logs and replay
  • Rate limiting
  • Static source IPs
  • Language SDKs

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.

Svix

  • A SaaS company adding webhooks to its API that does not want to build retry, signing and a customer debugging UI from scratchnot Tink
  • A payments or fintech product whose customers need signature verification libraries in several languages they did not writenot Tink
  • An engineering team drowning in support tickets from customers whose endpoints silently failed and who need self-service delivery logsnot Tink
  • A platform with a small number of very slow customer endpoints that must not delay deliveries to everyone elsenot Tink

Tink

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

Where each one falls short

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

Svix

  • The Professional tier at 490 US dollars a month includes the same 50,000 messages as the free tier, so the upgrade buys SLA, throughput and retention rather than volume, which is a jarring step for a growing product.
  • Only attempted messages count toward usage, but a customer with many subscribed endpoints multiplies a single event into many billable messages, and forecasting that fan-out before launch is difficult.
  • The open source server is MIT licensed but trails the hosted product in features, so self-hosting is a fallback position rather than a genuinely equivalent option.
  • Routing outbound customer traffic through a third party puts a vendor in the delivery path for events your customers may treat as contractual, which some security reviews will not accept.
  • Payload retention is 30 days on the free tier and 90 on Professional, so anyone needing longer delivery history for audit must pay for Enterprise or log independently.

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

Svix

Free
  • FreeFree
    • 50,000 messages a month included
    • Overage at $0.0001 per message
    • 99.9% uptime SLA
  • Professional$490/month
    • 50,000 messages included, same as free
    • 99.99% uptime SLA
    • 800 messages per second
  • Enterprise$undefined/year
    • Custom volume and rate limits
    • 99.999% uptime SLA
    • Custom retention

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 Svix if

  • You need automatic retries.
  • You want to start without paying.
  • You work on Web, Cloud, Docker.
  • You also want payload signing.
Svix 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 Svix or Tink better?
Neither clearly leads. Svix starts at Free and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Svix or Tink?
Svix has a free tier; the other does not. Paid plans start at Free for Svix and On request for Tink.
Does Svix or Tink run on more platforms?
Svix runs on Web, Cloud, Docker. Tink runs on API, Web.
Can I use Svix for free?
Yes. Svix has a free tier, so you can try it without paying. Tink starts at On request.
What is Svix best used for?
Svix is most often used for a saas company adding webhooks to its api that does not want to build retry, signing and a customer debugging ui from scratch, a payments or fintech product whose customers need signature verification libraries in several languages they did not write, an engineering team drowning in support tickets from customers whose endpoints silently failed and who need self-service delivery logs, a platform with a small number of very slow customer endpoints that must not delay deliveries to everyone else. Of those, a saas company adding webhooks to its api that does not want to build retry, signing and a customer debugging ui from scratch and a payments or fintech product whose customers need signature verification libraries in several languages they did not write are not what Tink is typically brought in for.
What can Svix do that Tink cannot?
Svix covers Automatic retries, Payload signing, Consumer portal, Event types and filtering. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Answered from the vendors’ own pages

Svix: How much does Svix cost?

Free up to 50,000 messages a month; Professional starts at 490 US dollars a month with the same included volume but better SLA and throughput.

Tink: Who owns Tink?

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

Svix: Can I self-host it?

Yes, there is an MIT licensed server, but it lags the hosted service in features and has no SLA.

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.

Svix: What counts as a message?

Attempted or transformed deliveries. Retries and messages filtered out because no endpoint subscribed are not charged.

Tink: Does Tink cover the United States?

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

Svix: Does it handle inbound webhooks?

Its focus is outbound sending on behalf of API providers, not receiving webhooks from third parties.

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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