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APIs · head to head

WSO2 API Manager vs Yapily

WSO2 API Manager logo

WSO2 API Manager

APIs

Complete API management platform for designing and managing APIs

From
Free
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

  • Each has a real cost: WSO2 API Manager the free open source distribution does not include a subscription to the WSO2 Update service, so continuous improvements and security patches require a paid subscription; 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: WSO2 API Manager covers API Gateway, 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 WSO2 API Manager and Yapily actually diverge.

Attributes where WSO2 API Manager and Yapily differ
AttributeWSO2 API ManagerYapily
Pricing modelopen-sourceFree sandbox, pay-as-you-go production
PlatformsJava, Linux, Docker, KubernetesWeb, API
Founded2005Unknown

Identical on both: starting price (Free), free tier (Yes), 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 WSO2 API Manager

  • API Gateway
  • API Designer
  • Developer Portal
  • LDAP
  • Okta
  • Keycloak
  • Microservices
  • Java support

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.

WSO2 API Manager

  • Publishing, securing and rate limiting APIs behind a gatewaynot Yapily
  • Running an API developer portal with subscription key managementnot Yapily
  • Self hosting an open source API management layer on premisesnot Yapily

Yapily

  • A merchant wanting a lower-cost payment method alongside card acceptancenot WSO2 API Manager
  • A lending or budgeting product needing bank account data for affordability checksnot WSO2 API Manager
  • A business wanting one API instead of separate integrations to each bank's own open banking standardnot WSO2 API Manager
  • A company prototyping open banking features for free in sandbox before committing budgetnot WSO2 API Manager

Where each one falls short

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

WSO2 API Manager

  • The free open source distribution does not include a subscription to the WSO2 Update service, so continuous improvements and security patches require a paid subscription
  • A commercial production licence is not part of the free download and comes only with a subscription
  • No subscription price is published; Basic Support and Enterprise Support both require contacting sales for a quote
  • 24x7x365 coverage requires Enterprise Support; the general query SLA is one business day
  • A Customer Success Manager is a paid optional add on covering business hours only
  • Consulting services and WSO2 Private Cloud hosting are quoted separately

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

WSO2 API Manager

Free
  • CommunityFree
    • Core API management
    • Community support
  • Commercial$undefined/monthly
    • Enterprise features
    • Technical support
    • SLA

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 WSO2 API Manager if

  • You need api gateway.
  • You want to start without paying.
  • You work on Java, Linux, Docker, Kubernetes.
  • You also want api designer.
WSO2 API Manager 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 WSO2 API Manager or Yapily better?
Neither clearly leads. WSO2 API Manager starts at Free and Yapily at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, WSO2 API Manager or Yapily?
WSO2 API Manager starts at Free and Yapily at Free.
Does WSO2 API Manager or Yapily run on more platforms?
WSO2 API Manager runs on Java, Linux, Docker, Kubernetes. Yapily runs on Web, API.
Can I use WSO2 API Manager for free?
Both have a free tier, so you can try either at no cost before committing.
What is WSO2 API Manager best used for?
WSO2 API Manager is most often used for publishing, securing and rate limiting apis behind a gateway, running an api developer portal with subscription key management, self hosting an open source api management layer on premises. Of those, publishing, securing and rate limiting apis behind a gateway and running an api developer portal with subscription key management are not what Yapily is typically brought in for.
What can WSO2 API Manager do that Yapily cannot?
WSO2 API Manager covers API Gateway, API Designer, Developer Portal, LDAP. Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox.

Answered from the vendors’ own pages

WSO2 API Manager: How is WSO2 API Manager priced?

WSO2 API Manager pricing is not published on their website. As an enterprise API management platform, pricing is custom-quoted based on deployment model and organizational requirements.

Source
Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

WSO2 API Manager: Does WSO2 API Manager offer different pricing for on-premises versus cloud deployments?

WSO2 API Manager supports multiple deployment options including on-premises and cloud, but pricing structures for different deployment models are not publicly disclosed.

Source
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.

WSO2 API Manager: What deployment flexibility does WSO2 API Manager provide?

WSO2 API Manager enables flexible deployment on-premises or in cloud environments, but specific pricing tiers for each deployment model require contacting WSO2 sales.

Source
Yapily: Is production pricing published?

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

WSO2 API Manager: How would I request a WSO2 API Manager pricing quote?

Organizations can request pricing quotes by contacting WSO2 sales through their website. Custom quotes depend on API volume, deployment model, and feature requirements.

Source
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