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APIs · head to head

Yapily vs Zimpler

Yapily logo

Yapily

APIs

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

From
Free
Rated
-
Full reviewWebsite
Zimpler logo

Zimpler

APIs

Nordic and Brazilian account-to-account payments for regulated high-risk sectors

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Yapily has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Zimpler pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • They diverge on capability: Yapily covers Unified open banking API, Zimpler covers Bank payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Yapily and Zimpler actually diverge.

Attributes where Yapily and Zimpler differ
AttributeYapilyZimpler
Starting priceFreeOn request
Pricing modelFree sandbox, pay-as-you-go productionquote
Free tierYesNo
PlatformsWeb, APIWeb, REST 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 Yapily

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

Only in Zimpler

  • Bank payments
  • BankID identity
  • Payouts
  • Recurring payments
  • Risk screening
  • Brazil coverage

What people use each for

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

Yapily

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

Zimpler

  • A Swedish gambling operator needing deposit and verified identity in a single customer flownot Yapily
  • A Nordic merchant wanting instant bank payouts rather than card refundsnot Yapily
  • A trading platform where confirming account ownership before funding is a regulatory requirementnot Yapily
  • A European operator expanding into Brazil and wanting one provider across both marketsnot Yapily

Where each one falls short

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

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.

Zimpler

  • Pricing is not published and is set by industry and risk profile, so smaller merchants cannot benchmark a quote and often discover they are paying well above a general-purpose provider.
  • As a payment facilitator carrying merchant risk, it declines or offboards merchants on risk grounds, which makes it a dependency you cannot assume will persist.
  • Its strength is concentrated in the Nordics, and coverage in southern and eastern Europe is thinner than pan-European account-to-account specialists.
  • Revenue concentration in iGaming ties the provider to a sector under constant regulatory change, so licence changes in one market affect the supplier as well as the merchant.
  • Bank transfers have no chargeback protection, so disputes are handled commercially and consumers used to card protections may resist the payment method.

Pricing, plan by plan

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

Zimpler

On request
  • Zimpler payments$undefined/year
    • Per-transaction pricing quoted by industry, risk and volume
    • Separate pricing for payouts and identity verification
    • Merchant underwriting required, with sector restrictions

Which should you pick?

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

Choose Zimpler if

  • You need bank payments.
  • You work on Web, REST API.
  • You also want bankid identity.
Zimpler review

Questions people ask

Is Yapily or Zimpler better?
Neither clearly leads. Yapily starts at Free and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Yapily or Zimpler?
Yapily has a free tier; the other does not. Paid plans start at Free for Yapily and On request for Zimpler.
Does Yapily or Zimpler run on more platforms?
Yapily runs on Web, API. Zimpler runs on Web, REST API.
Can I use Yapily for free?
Yes. Yapily has a free tier, so you can try it without paying. Zimpler starts at On request.
What is Yapily best used for?
Yapily is most often used for a merchant wanting a lower-cost payment method alongside card acceptance, a lending or budgeting product needing bank account data for affordability checks, a business wanting one api instead of separate integrations to each bank's own open banking standard, a company prototyping open banking features for free in sandbox before committing budget. Of those, a merchant wanting a lower-cost payment method alongside card acceptance and a lending or budgeting product needing bank account data for affordability checks are not what Zimpler is typically brought in for.
What can Yapily do that Zimpler cannot?
Yapily covers Unified open banking API, Account information access, Payment initiation, Free sandbox. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.

Answered from the vendors’ own pages

Yapily: Is there a free way to try it?

Yes, sandbox access is free for development and testing.

Zimpler: Which markets does Zimpler cover?

Sweden and the Nordics primarily, plus the wider EU and Brazil. It is strongest where national electronic identity schemes exist.

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.

Zimpler: Does it handle identity verification?

Yes. In the Nordics it captures BankID identity alongside the payment, which removes a separate verification step.

Yapily: Is production pricing published?

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

Zimpler: Is pricing published?

No. It is quoted per merchant based on sector, risk and volume, and merchants must pass underwriting first.

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