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APIs · head to head

Aiia vs Zimpler

Aiia logo

Aiia

APIs

Open banking and open finance API platform, now operating as Mastercard Open Banking

From
On request
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

  • Each has a real cost: Aiia it is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.; 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: Aiia covers Bank account data access, Zimpler covers Bank payments.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Aiia and Zimpler actually diverge.

Attributes where Aiia and Zimpler differ
AttributeAiiaZimpler
PlatformsWeb, APIWeb, REST API

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Aiia

  • Bank account data access
  • Payment initiation
  • Mastercard Open Finance integration
  • Modern authentication support
  • Multi-country coverage
  • Developer documentation and sandbox

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.

Aiia

  • A lending or credit product needing affordability checks via European bank account datanot Zimpler
  • A personal finance or accounting product needing transaction history across Nordic and European banksnot Zimpler
  • A payments product wanting account-to-account payment initiation under open banking regulationnot Zimpler
  • A business wanting the stability and continued investment of Mastercard ownership behind its banking connectivity providernot Zimpler

Zimpler

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

Where each one falls short

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

Aiia

  • It is now part of Mastercard rather than an independent company, so a business specifically wanting to avoid card network dependency in its banking infrastructure no longer gets that separation by choosing Aiia.
  • Pricing is not published and requires engaging Mastercard's open finance sales process, which can be a heavier sales motion than dealing with a smaller independent open banking provider.
  • Its strongest bank coverage remains concentrated in the Nordics and Northern Europe, so companies needing dense coverage in Southern or Eastern Europe should verify current bank connectivity before committing.
  • Brand confusion is real: developer documentation, login portals and older case studies still reference "Aiia" while newer Mastercard material refers to "Mastercard Open Banking," and a company researching either name in isolation may miss half the relevant material.
  • As with any open banking platform, reliability still depends on the consistency of the underlying banks' own APIs, which is a systemic industry issue rather than something Aiia specifically controls.

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

Aiia

On request
  • Aiia Enterprise (Mastercard Open Banking)$undefined/year
    • Pricing not published, quote via Mastercard Open Finance sales

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 Aiia if

  • You need bank account data access.
  • You work on Web, API.
  • You also want payment initiation.
Aiia 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 Aiia or Zimpler better?
Neither clearly leads. Aiia starts at On request and Zimpler at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Aiia or Zimpler?
Aiia starts at On request and Zimpler at On request.
Does Aiia or Zimpler run on more platforms?
Aiia runs on Web, API. Zimpler runs on Web, REST API.
What is Aiia best used for?
Aiia is most often used for a lending or credit product needing affordability checks via european bank account data, a personal finance or accounting product needing transaction history across nordic and european banks, a payments product wanting account-to-account payment initiation under open banking regulation, a business wanting the stability and continued investment of mastercard ownership behind its banking connectivity provider. Of those, a lending or credit product needing affordability checks via european bank account data and a personal finance or accounting product needing transaction history across nordic and european banks are not what Zimpler is typically brought in for.
What can Aiia do that Zimpler cannot?
Aiia covers Bank account data access, Payment initiation, Mastercard Open Finance integration, Modern authentication support. Zimpler covers Bank payments, BankID identity, Payouts, Recurring payments.

Answered from the vendors’ own pages

Aiia: Is Aiia still an independent company?

No, it was acquired by Mastercard in 2021 and now operates as part of Mastercard Open Finance Solutions, referenced as Aiia Enterprise.

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.

Aiia: Does the Aiia brand still exist?

Yes, in developer documentation and login portals, but the company behind it is Mastercard.

Zimpler: Does it handle identity verification?

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

Aiia: Which banks does it cover?

Around 3,000 European banks, with strongest coverage in the Nordics and Northern Europe.

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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