Mastercard Open Banking Payments vs GoCardless Bank Account Data

MOMastercard Open Banking Payments9.1Visit GoCardless Bank Account Data8.6Visit

Higher score MO Mastercard Open Banking Payments #4 in Bank Connectivity Software 9.1/10 Pricing on request ✓ 0 of 1 features Visit Mastercard

vs

GoCardless Bank Account Data #8 in Bank Connectivity Software 8.6/10 Pricing on request ✓ 0 of 1 features Visit GoCardless

• Mastercard Open Banking Payments fits best

  Enterprise open-banking payments and data

• GoCardless Bank Account Data fits best

  Simple PSD2 account-data access

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Side by side

Feature	MOMastercard Open Banking Payments 9.1/10 Visit ↗	GoCardless Bank Account Data 8.6/10 Visit ↗
At a glance
Editor score	9.1	8.6
Ranking	#4 in Bank Connectivity Software	#8 in Bank Connectivity Software
Best for	Enterprise open-banking payments and data	Simple PSD2 account-data access
Pricing model	Paid	Paid
Starting price	Pricing on request	Pricing on request
Free plan	Not checked yet	Not checked yet
Free trial	—	—
Deployment	Cloud	Cloud
Support	Email	Email, Tickets, Docs
Built for	Mid-market, Enterprise	Small business, Mid-market, Enterprise
Features Mastercard Open Banking Payments 0/1 · GoCardless Bank Account Data 0/1
Multi-entity support	Not checked yet	Not checked yet
Specs
Bank/institution count	3000 banks	Not checked yet
Supported data types	Account details, account-holder information, balances, transactions, bank statements, transaction snapshots	account holder name, account numbers, IBANs, transactions, current balances, available balances
Connection methods	Open banking APIs; bank authentication and consent flow	PSD2 APIs, open banking consent, financial-institution authentication, GoCardless-hosted credential collection for some institutions
Refresh frequency	On_demand	On_demand
Statement formats	Not checked yet	JSON
Our review
Pros	Unified APIs for account data and bank-payment initiation Connectivity across 3,000 European financial institutions Ownership verification and customer-name matching capabilities	Retrieves up to 24 months of transaction history Supports balances, account identifiers, and transaction data Offers API institution selection and OAuth-style authentication
Cons	Pricing is available through contact with sales European API access requires specific licences and certificates Bank-level availability can vary for on-demand data refreshes	Feature breadth is limited beyond core account-data access Bank availability varies by country Pricing requires contacting sales
Our verdict	Mastercard Open Banking Payments provides APIs for businesses building financial products and customer experiences. It supports consented access to account details, balances, transactions, statements, transaction snapshots, and… Read the review →	GoCardless Bank Account Data is an Account Information API for applications that need to connect users’ bank accounts and retrieve account holder details, account identifiers, balances, and transactions. It is aimed at teams building… Read the review →

Strengths and trade-offs

• Mastercard Open Banking Payments — where it wins

  • Unified APIs for account data and bank-payment initiation
  • Connectivity across 3,000 European financial institutions
  • Ownership verification and customer-name matching capabilities

  Where it doesn't

  • Pricing is available through contact with sales
  • European API access requires specific licences and certificates
  • Bank-level availability can vary for on-demand data refreshes

• GoCardless Bank Account Data — where it wins

  • Retrieves up to 24 months of transaction history
  • Supports balances, account identifiers, and transaction data
  • Offers API institution selection and OAuth-style authentication

  Where it doesn't

  • Feature breadth is limited beyond core account-data access
  • Bank availability varies by country
  • Pricing requires contacting sales

• MOMastercard Open Banking Payments9.1/10 · Pricing on request

  A focused API suite for consented bank data, ownership checks, and payment initiation.

  Visit MastercardFull verdict →
• GoCardless Bank Account Data8.6/10 · Pricing on request

  A focused PSD2 Account Information API for retrieving balances, identifiers, and transactions.

  Visit GoCardlessFull verdict →