APIs · head to head
Tink vs Yapily
Tink
APIs
European open banking platform for account data and payment initiation
- From
- On request
- Rated
- -
Yapily
APIs
Open banking API infrastructure for account data and pay-by-bank payments across Europe
- From
- Free
- Rated
- -
The short version
- Only Yapily has a free tier, so it costs nothing to try first.
- Each has a real cost: 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.; Yapily production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
- They diverge on capability: Tink covers Account data access, Yapily covers Unified open banking API.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Tink and Yapily actually diverge.
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 Tink
- Account data access
- EEA passporting
- Categorisation
- Account verification
- Risk and affordability signals
- Variable recurring payments support
- Consent management
Only in Yapily
- Unified open banking API
- Account information access
- Free sandbox
- Multi-country bank coverage
- Webhooks and reconciliation tooling
Both cover
- Payment initiation
What people use each for
The jobs each tool is most often brought in to do.
Tink
- A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Yapily
- A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Yapily
- A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Yapily
- A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Yapily
Yapily
- A merchant wanting a lower-cost payment method alongside card acceptancenot Tink
- A lending or budgeting product needing bank account data for affordability checksnot Tink
- A business wanting one API instead of separate integrations to each bank's own open banking standardnot Tink
- A company prototyping open banking features for free in sandbox before committing budgetnot Tink
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
Yapily
- Production pricing itself is not published; only the resulting typical merchant transaction cost is publicly known, so the underlying platform fee still requires a sales conversation.
- Consumer adoption of pay-by-bank still lags card payments, so merchants offering it as a checkout option typically see it used as a secondary rather than primary payment method.
- Coverage depends on the banks in each country maintaining reliable open banking APIs, and inconsistent bank-side reliability across markets is a known category-wide weakness, not unique to Yapily but not solved by it either.
- As infrastructure for both account data and payments, a company only needing one of those two capabilities is still evaluating a broader platform than it may need.
- Regulatory dependence on PSD2 and UK open banking rules means the underlying legal framework, not just Yapily's product, could shift and affect what is possible on the platform.
Pricing, plan by plan
Tink
On request- Tink Platform$undefined/year
- Priced by product, market and volume
- Data access and payment initiation priced separately
- Annual commitments typical for enterprise agreements
Yapily
Free- SandboxFree
- Free testing environment
- UK and European bank connections for development
- Production$undefined/month
- Pay-as-you-go pricing, exact rates not published
- Typical pay-by-bank cost of 0.1 to 0.5% or a flat 5 to 30 pence per transaction
Which should you pick?
Choose Tink if
- You need account data access.
- You work on API, Web.
- You also want eea passporting.
Choose Yapily if
- You need unified open banking api.
- You want to start without paying.
- You work on Web, API.
- You also want account information access.
Questions people ask
- Is Tink or Yapily better?
- Neither clearly leads. Tink starts at On request and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Tink or Yapily?
- Yapily has a free tier; the other does not. Paid plans start at On request for Tink and Free for Yapily.
- Does Tink or Yapily run on more platforms?
- Tink runs on API, Web. Yapily runs on Web, API.
- Can I use Yapily for free?
- Yes. Yapily has a free tier, so you can try it without paying. Tink starts at On request.
- What is Tink best used for?
- Tink is most often used for a european lender that needs verified income and expense data from a borrower bank account across several eea markets under one licence, a merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value baskets, a fintech that does not hold its own psd2 licence and needs to operate under an authorised provider passported across the eea, a bank building an account aggregation view of a customer external accounts without negotiating with each institution individually. Of those, a european lender that needs verified income and expense data from a borrower bank account across several eea markets under one licence and a merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value baskets are not what Yapily is typically brought in for.
- What can Tink do that Yapily cannot?
- Tink covers Account data access, EEA passporting, Categorisation, Account verification. Yapily covers Unified open banking API, Account information access, Free sandbox, Multi-country bank coverage. Both handle Payment initiation.
Answered from the vendors’ own pages
Tink: Who owns Tink?
Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.
Yapily: Is there a free way to try it?
Yes, sandbox access is free for development and testing.
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.
Yapily: How much cheaper is pay-by-bank than card payments?
Typically 0.1 to 0.5% of transaction value, or a flat 5 to 30 pence, against 1.5 to 3.5% for card scheme fees.
Tink: Does Tink cover the United States?
No. It is a European platform. US coverage requires a separate provider.
Yapily: Is production pricing published?
No, production access is pay-as-you-go but exact rates require a sales conversation.
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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