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APIs · head to head

Tink vs Zeplo

Tink logo

Tink

APIs

European open banking platform for account data and payment initiation

From
On request
Rated
-
Full reviewWebsite
Zeplo logo

Zeplo

APIs

Message queue as a URL prefix, adding retries and delays to any HTTP request

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zeplo 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.; Zeplo zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • They diverge on capability: Tink covers Account data access, Zeplo covers URL prefix interface.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Tink and Zeplo actually diverge.

Attributes where Tink and Zeplo differ
AttributeTinkZeplo
Starting priceOn requestFree
Pricing modelquotePer month by request count
Free tierNoYes
PlatformsAPI, WebWeb, Cloud

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

Only in Zeplo

  • URL prefix interface
  • Retries with backoff
  • Delayed delivery
  • Cron scheduling
  • Concurrency limits
  • Deduplication keys
  • Request logs
  • Team workspaces

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 Zeplo
  • A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Zeplo
  • A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Zeplo
  • A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot Zeplo

Zeplo

  • A Vercel or Cloudflare Workers application that needs retried background jobs without deploying a separate always-on workernot Tink
  • A team that wants a webhook receiver protected by a concurrency limit so a burst does not overwhelm a downstream APInot Tink
  • A small product needing cron jobs against HTTP endpoints without adding a scheduler to its infrastructurenot Tink
  • A developer adding idempotent retries to an unreliable third-party API call with a one-line URL changenot 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.

Zeplo

  • Zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • The free Developer tier includes only 500 requests a month and one team member, so it is a demonstration allowance rather than a usable free plan for anything real.
  • Overage on the Developer tier is 20 US dollars per 100,000 requests, two hundred times the marginal rate on the Company tier, so exceeding the free allowance without upgrading is expensive.
  • Team members cost 15 US dollars each beyond the plan allowance, which is an odd charge on an infrastructure product billed by request volume.
  • Log retention is 30 days on both published tiers, so anything requiring longer audit trails on job execution has to be logged separately.

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

Zeplo

Free
  • DeveloperFree
    • 500 requests a month included
    • $20 per additional 100,000 requests
    • 1 team member
  • Company$39/month
    • 1,000,000 requests a month included
    • $10 per additional million requests
    • Up to 3 team members
  • Enterprise$undefined/month
    • Volume discounts
    • Custom team size
    • Support with SLA

Which should you pick?

Choose Tink if

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

Choose Zeplo if

  • You need url prefix interface.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want retries with backoff.
Zeplo review

Questions people ask

Is Tink or Zeplo better?
Neither clearly leads. Tink starts at On request and Zeplo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tink or Zeplo?
Zeplo has a free tier; the other does not. Paid plans start at On request for Tink and Free for Zeplo.
Does Tink or Zeplo run on more platforms?
Tink runs on API, Web. Zeplo runs on Web, Cloud.
Can I use Zeplo for free?
Yes. Zeplo 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 Zeplo is typically brought in for.
What can Tink do that Zeplo cannot?
Tink covers Account data access, Payment initiation, EEA passporting, Categorisation. Zeplo covers URL prefix interface, Retries with backoff, Delayed delivery, Cron scheduling.

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.

Zeplo: How does Zeplo work?

You prefix your endpoint URL with zeplo.to and add query parameters for retries, delay, cron or concurrency. No SDK or broker is needed.

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.

Zeplo: What does it cost?

Free for 500 requests a month; 39 US dollars a month for a million requests, then 10 dollars per additional million.

Tink: Does Tink cover the United States?

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

Zeplo: Is it suitable for critical jobs?

It is a small vendor in your execution path with no published SLA below Enterprise, so weigh that against the convenience.

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.

Zeplo: Does it work with serverless platforms?

Yes, that is its main use, covering Vercel, Cloudflare Workers, Netlify and similar environments that lack long-running workers.

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