Yapily

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

As of 1 September 2026, Yapily is free to use. An open banking API platform connecting businesses to bank account data and payment initiation across the UK and Europe, priced on a free sandbox plus pay-as-you-go production tiers. Softwr lists it under APIs. Yapily is available on Web, API.

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Overview

What Yapily does

Yapily provides a single API that abstracts away the different open banking standards used by banks across the UK and Europe, giving businesses account information access and payment initiation (pay-by-bank) without building and maintaining separate integrations to each bank individually. The detail worth noting is the pricing shape rather than an exact figure: Yapily offers a free sandbox for testing before committing, and production access is pay-as-you-go, positioning it, alongside TrueLayer and GoCardless, as materially cheaper for merchants than card acceptance; UK pay-by-bank transactions commonly cost 0.1 to 0.5 percent or a flat 5 to 30 pence, against 1.5 to 3.5 percent for card schemes. Exact production tier pricing itself is not published and requires a sales conversation. Buyers are businesses wanting to accept payments directly from a customer's bank account rather than by card, or needing account data for affordability checks, reconciliation or personal finance features. The trade-off is that pay-by-bank adoption still lags card payments among consumers, so a merchant offering it typically keeps card payment as the primary rail and pay-by-bank as a lower-cost secondary option rather than a full replacement.

What people use it 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

Where it falls short

Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.

Cross-shopped

What people choose instead of Yapily

Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.

Yapilyvs
Trustly
Trustly: If you want a payments-focused pay-by-bank provider with its own merchant-facing brand
Yapilyvs
Swan
Swan: If you need embedded banking accounts and cards rather than open banking data and payment initiation

Pricing

What Yapily costs

Taken from the vendor's own pricing page. Prices move, so check before you buy.

Sandbox

Free

Free testing environment
UK and European bank connections for development

Production

On request

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

Capabilities

Features

Unified open banking API
One integration abstracting differences across UK and European bank standards
Account information access
Read access to customer bank account data with consent
Payment initiation
Pay-by-bank transaction initiation directly from a customer's account
Free sandbox
No-cost testing environment for building before production commitment
Multi-country bank coverage
Connections across UK and European banks under PSD2 and open banking regulation
Webhooks and reconciliation tooling
Real-time payment status updates for merchant reconciliation

Answered, with sources

Questions people ask

Each answer names the page it came from, so you can check it rather than take our word for it.

Is there a free way to try it?

Yes, sandbox access is free for development and testing.

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.

Is production pricing published?

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

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Softwr does not host reviews and shows no star rating for Yapily, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.

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