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APIs · head to head

Weavr vs Yapily

Weavr logo

Weavr

APIs

Packaged embedded finance for B2B SaaS, with an in-house EU e-money licence

From
On request
Rated
-
Full reviewWebsite
Yapily logo

Yapily

APIs

Open banking API infrastructure for account data and pay-by-bank payments across Europe

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Yapily has a free tier, so it costs nothing to try first.
  • Each has a real cost: Weavr products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.; 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: Weavr covers Plug-and-play products, 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 Weavr and Yapily actually diverge.

Attributes where Weavr and Yapily differ
AttributeWeavrYapily
Starting priceOn requestFree
Pricing modelquoteFree sandbox, pay-as-you-go production
Free tierNoYes
PlatformsWeb, REST APIWeb, API

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 Weavr

  • Plug-and-play products
  • Regulated cover
  • Card issuing
  • Multi-currency accounts
  • Identity and onboarding
  • Data insights

Only in Yapily

  • Unified open banking API
  • Account information access
  • Payment initiation
  • Free sandbox
  • Multi-country bank coverage
  • Webhooks and reconciliation tooling

What people use each for

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

Weavr

  • A project management SaaS adding expense cards without hiring a compliance officernot Yapily
  • A marketplace paying out sellers from accounts held inside its own productnot Yapily
  • A procurement platform issuing virtual cards against approved purchase ordersnot Yapily
  • A European SaaS vendor wanting a regulated entity to sit behind its financial featuresnot Yapily

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot Weavr
  • A lending or budgeting product needing bank account data for affordability checksnot Weavr
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot Weavr
  • A company prototyping open banking features for free in sandbox before committing budgetnot Weavr

Where each one falls short

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

Weavr

  • Products are packaged rather than open, so a flow Weavr does not support is not something you can build around, and you discover the limits after integrating.
  • Programme economics depend on interchange, and SaaS vendors routinely overestimate how much card volume their customers will actually route through the embedded product.
  • It is a small company with limited headcount supporting a regulated dependency, which is a real concentration risk for a feature your customers rely on.
  • Monthly minimums on card programmes mean a slow-adopting customer base leaves you paying for volume you never reach.
  • European interchange caps hold programme revenue well below what US embedded finance case studies suggest, so imported business cases do not transfer.

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

Weavr

On request
  • Weavr embedded finance$undefined/year
    • Platform subscription plus per-account and per-card fees
    • Interchange share negotiated as part of the commercial terms
    • Monthly minimums apply to card programmes

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 Weavr if

  • You need plug-and-play products.
  • You work on Web, REST API.
  • You also want regulated cover.
Weavr review

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.
Yapily review

Questions people ask

Is Weavr or Yapily better?
Neither clearly leads. Weavr 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, Weavr or Yapily?
Yapily has a free tier; the other does not. Paid plans start at On request for Weavr and Free for Yapily.
Does Weavr or Yapily run on more platforms?
Weavr runs on Web, REST API. Yapily runs on Web, API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Weavr starts at On request.
What is Weavr best used for?
Weavr is most often used for a project management saas adding expense cards without hiring a compliance officer, a marketplace paying out sellers from accounts held inside its own product, a procurement platform issuing virtual cards against approved purchase orders, a european saas vendor wanting a regulated entity to sit behind its financial features. Of those, a project management saas adding expense cards without hiring a compliance officer and a marketplace paying out sellers from accounts held inside its own product are not what Yapily is typically brought in for.
What can Weavr do that Yapily cannot?
Weavr covers Plug-and-play products, Regulated cover, Card issuing, Multi-currency accounts. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

Weavr: Do I need my own financial licence?

No. Weavr holds an e-money licence, including a Maltese authorisation for the EU, and acts as the regulated entity for the embedded product.

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

Weavr: How is it different from a banking-as-a-service API?

It sells finished product shapes with compliance built in rather than raw banking primitives, which trades flexibility for a much shorter route to launch.

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.

Weavr: How does Weavr make money?

Platform fees plus per-account and per-card charges, with a negotiated share of card interchange.

Yapily: Is production pricing published?

No, production access is pay-as-you-go but exact rates require a sales conversation.

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