Best Open Banking Payment Platforms in 2026
Updated
In short: TrueLayer Data API is ranked #1 of 22 as of 5 October 2026, ahead of Lean Payments and Finexer. The lowest first paid tier on this page is Crezco at £10/mo.
Open banking payment platforms are designed for payment flows that rely on bank connections. Compared on bank authentication, payment frequency, webhooks and refunds, the entries also provide criteria for assessing settlement speed and supported countries. Free-plan availability and paid-from pricing add cost context. TrueLayer Data API, Trustly and Finexer are among the providers named here. As you compare them, consider the markets you need to serve and the transaction handling your flows call for, including authentication, settlement timing and how refunds are supported.
22 open banking payment platforms ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
Open Banking Payment Platforms, one module each. A lit port is something its maker publishes; 15 of the 22 on this page have a public API.
- 01 TrueLayer Data API API yesOSS not on recordFREE yesDOCS 7.3Free
- 02 Lean Payments API yesOSS not on recordFREE not on recordDOCS 7.0
- 03 Finexer API yesOSS not on recordFREE not on recordDOCS 6.9
- 04 Noda API yesOSS not on recordFREE not on recordDOCS 6.9
- 05 Salt Edge Payment Initiation API yesOSS not on recordFREE not on recordDOCS 6.9
- 06 Tarabut Gateway Account Information API yesOSS not on recordFREE not on recordDOCS 6.9
- 07 Trustly API yesOSS not on recordFREE not on recordDOCS 6.9
- 08 Volt API yesOSS not on recordFREE not on recordDOCS 6.9
- 09 Token.io Data API yesOSS not on recordFREE not on recordDOCS 6.8
- 10 TrueLayer Payments API yesOSS not on recordFREE not on recordDOCS 6.8
- 11 Crezco API yesOSS not on recordFREE not on recordDOCS 6.7£10/mo
- 12 Fintecture API yesOSS not on recordFREE not on recordDOCS 6.7
- 13 Fire Payments API API yesOSS not on recordFREE not on recordDOCS 6.7
- 14 Plaid API yesOSS not on recordFREE not on recordDOCS 6.7
- 15 Yapily Payments API yesOSS not on recordFREE not on recordDOCS 6.7
- 16 Google Apigee API not on recordOSS not on recordFREE not on recordDOCS 5.4$13/mo
- 17 Brite Payments API not on recordOSS not on recordFREE not on recordDOCS 5.2
- 18 Pay by Bank from allpay API not on recordOSS not on recordFREE not on recordDOCS 5.0
- 19 Finshark API not on recordOSS not on recordFREE not on recordDOCS 4.9
- 20 Neopay Payment Initiation API not on recordOSS not on recordFREE not on recordDOCS 4.9
- 21 Yapily Data API not on recordOSS not on recordFREE not on recordDOCS 4.9
- 22 Tink API not on recordOSS not on recordFREE not on recordDOCS 4.8
Compare all 22 in a table
| # | Platform | Score | Free plan | From | Free plan | Paid from | Supported countries | Bank authentication |
|---|---|---|---|---|---|---|---|---|
| 1 | TrueLayer Data API | 7.3 | Free plan | Free | No | — | — | — |
| 2 | Lean Payments | 7.0 | No | — | — | — | — | redirect |
| 3 | Finexer | 6.9 | No | — | — | — | — | — |
| 4 | Noda | 6.9 | No | — | — | — | — | redirect |
| 5 | Salt Edge Payment Initiation | 6.9 | No | — | — | — | — | redirect |
| 6 | Tarabut Gateway Account Information | 6.9 | No | — | — | — | — | redirect |
| 7 | Trustly | 6.9 | No | — | — | — | — | both |
| 8 | Volt | 6.9 | No | — | — | — | — | both |
| 9 | Token.io Data | 6.8 | No | — | — | — | — | — |
| 10 | TrueLayer Payments | 6.8 | No | — | No | — | — | both |
| 11 | Crezco | 6.7 | No | £10/mo | No | — | — | redirect |
| 12 | Fintecture | 6.7 | No | — | No | — | — | redirect |
| 13 | Fire Payments API | 6.7 | No | — | No | — | 2 countries | redirect |
| 14 | Plaid | 6.7 | No | — | No | — | — | — |
| 15 | Yapily Payments | 6.7 | No | — | No | — | — | both |
| 16 | Google Apigee | 5.4 | No | $13/mo | No | — | — | — |
| 17 | Brite Payments | 5.2 | No | — | — | — | 27 countries | both |
| 18 | Pay by Bank from allpay | 5.0 | No | — | — | — | — | redirect |
| 19 | Finshark | 4.9 | No | — | — | — | — | — |
| 20 | Neopay Payment Initiation | 4.9 | No | — | No | — | — | — |
| 21 | Yapily Data | 4.9 | No | — | — | — | — | — |
| 22 | Tink | 4.8 | No | — | No | — | — | — |
Is your platform on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which open banking payment platform is ranked first on Inferse?
TrueLayer Data API is ranked #1 of 22 with a score of 7.3. Lean Payments is second and Finexer third.
How many of these have a free plan?
1 of the 22 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Crezco has the lowest first paid tier we found: £10/mo.
How is this list ranked?
Ranked on what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it.