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Head-to-head · Open Banking Payment Platforms

Yapily Payments vs TrueLayer Payments

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Yapily Payments #2 in Open Banking Payment Platforms 8.7/10 Pricing on request ✓ 2 of 2 features Visit Yapily
TrueLayer Payments #3 in Open Banking Payment Platforms 8.5/10 Pricing on request ✓ 2 of 2 features Visit TrueLayer

Yapily Payments leads on 0 checks, TrueLayer Payments on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreYapily Payments · 8.7/10

Yapily Payments scores higher on our rubric for open banking payment platforms: 8.7 against 8.5 out of 10; our editors rank them #2 and #3.

Yapily Payments is the better fit for high-scale European payment operations. TrueLayer Payments is the better fit for businesses needing mobile-ready bank payments.

  • Yapily Payments fits best

    High-scale European payment operations

  • TrueLayer Payments fits best

    Businesses needing mobile-ready bank payments

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Side by side

Feature Yapily Payments 8.7/10 Visit ↗ TrueLayer Payments 8.5/10 Visit ↗
At a glance
Editor score 8.7 8.5
Ranking #2 in Open Banking Payment Platforms #3 in Open Banking Payment Platforms
Best for High-scale European payment operations Businesses needing mobile-ready bank payments
Pricing model Paid Paid
Starting price Pricing on request Pricing on request
Free plan — —
Free trial — —
Deployment Cloud Cloud, Mobile
Platforms Web Web, iOS, Android
Support Email, Tickets, Docs Docs
Compliance ISO 27001, 2FA SOC 2, ISO 27001, GDPR
Built for Small business, Mid-market, Enterprise Enterprise
Features Yapily Payments 2/2 · TrueLayer Payments 2/2
Payment webhooks ✓ ✓
Refunds ✓ ✓
Specs
Supported countries Not checked yet Not checked yet
Bank authentication Both Both
Payment frequency Both Both
Settlement speed Instant Not checked yet
Our review
Pros
  • Supports recurring, variable recurring, and bulk payments
  • Offers redirect and embedded bank authorisation with SCA handling
  • Connects across 19 countries and more than 2,000 institutions
  • Supports pay-ins, payouts, recurring payments, refunds and reporting
  • Offers hosted, embedded, web, mobile SDK and direct API flows
  • Shopify and Magento integrations extend commerce coverage
Cons
  • Pricing requires contacting sales
  • No free plan is available
  • Its focus is payment infrastructure rather than a broader commerce suite
  • Production access requires a registered business and commercial agreement
  • Pricing is based on volume and use case rather than a published plan
  • Focused on UK and EU bank-payment workflows
Our verdict

Yapily Payments is an API-based open banking payment platform for payment service providers, fintechs, banks, and businesses. It supports Pay by Bank, single account-to-account payments, recurring payments, commercial variable recurring…

Read the review →

TrueLayer Payments is an open banking payment platform for registered businesses that need to accept and send bank payments. Its Payments API covers one-off pay-ins, single payments to external bank accounts, variable recurring payments…

Read the review →
  1. Yapily PaymentsOpen Banking Payment Platforms 8.7Pricing on request
  2. TrueLayer PaymentsOpen Banking Payment Platforms 8.5Pricing on request

Strengths and trade-offs

  • Yapily Payments — where it wins

    • Supports recurring, variable recurring, and bulk payments
    • Offers redirect and embedded bank authorisation with SCA handling
    • Connects across 19 countries and more than 2,000 institutions

    Where it doesn't

    • Pricing requires contacting sales
    • No free plan is available
    • Its focus is payment infrastructure rather than a broader commerce suite

  • TrueLayer Payments — where it wins

    • Supports pay-ins, payouts, recurring payments, refunds and reporting
    • Offers hosted, embedded, web, mobile SDK and direct API flows
    • Shopify and Magento integrations extend commerce coverage

    Where it doesn't

    • Production access requires a registered business and commercial agreement
    • Pricing is based on volume and use case rather than a published plan
    • Focused on UK and EU bank-payment workflows
  • Yapily Payments8.7/10 · Pricing on request

    A high-scale European payment platform for recurring, bulk, and Pay by Bank flows.

    Visit YapilyFull verdict →
  • TrueLayer Payments8.5/10 · Pricing on request

    A mobile-ready open banking platform for pay-ins, payouts and recurring payments.

    Visit TrueLayerFull verdict →

More comparisons

All open banking payment platforms comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update