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 Plaid. The lowest first paid tier on this page is Crezco at £10/mo.
Open banking payment platforms connect payment flows with customers’ bank accounts. Compare bank authentication, supported countries and settlement speed, as well as payment frequency, webhooks and refund support. Free-plan availability and paid-from pricing add useful cost context when weighing options for your payment workflows. TrueLayer Data API, Plaid and Trustly are among the named platforms, alongside Volt. Consider which markets you need to support and which operational details matter most—from authentication through refunds—then compare those requirements with the capabilities and coverage listed for each option.
22 open banking payment platforms ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
22ranked
1free plans on this page
£10/molowest paid tier
5 Oct 2026last checked
Input list Open Banking Payment Platforms 22 channels on this page · 71 of 176 spec lines stated by the makers
Ch Tool Free planPaid fromSupported countriesBank authenticationPayment frequencySettlement speedPayment webhooksRefunds Spec sheet Score
01 TrueLayer Data API Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 1/8spec lines stated 7.2
02 Lean Payments Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencybothSettlement speednot statedPayment webhooksYesRefundsYes 4/8spec lines stated 7.1
03 Plaid Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 1/8spec lines stated 7.0
04 Trustly Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationbothPayment frequencybothSettlement speedinstantPayment webhooksYesRefundsYes 5/8spec lines stated 6.9
05 Volt Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationbothPayment frequencybothSettlement speednot statedPayment webhooksYesRefundsYes 4/8spec lines stated 6.9
06 TrueLayer Payments Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationbothPayment frequencybothSettlement speednot statedPayment webhooksYesRefundsYes 5/8spec lines stated 6.8
07 Crezco Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencybothSettlement speedinstantPayment webhooksYesRefundsnot stated 5/8spec lines stated 6.7
08 Fire Payments API Free planNoPaid fromnot statedSupported countries2 countriesBank authenticationredirectPayment frequencybothSettlement speednot statedPayment webhooksYesRefundsYes 6/8spec lines stated 6.7
09 Finexer Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 0/8spec lines stated 6.5
10 Google Apigee Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 1/8spec lines stated 6.5
11 Noda Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencybothSettlement speedinstantPayment webhooksYesRefundsYes 5/8spec lines stated 6.5
12 Salt Edge Payment Initiation Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencybothSettlement speedinstantPayment webhooksYesRefundsYes 5/8spec lines stated 6.5
13 Tarabut Gateway Account Information Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencyone offSettlement speedinstantPayment webhooksYesRefundsYes 5/8spec lines stated 6.5
14 Brite Payments Free plannot statedPaid fromnot statedSupported countries27 countriesBank authenticationbothPayment frequencybothSettlement speedinstantPayment webhooksYesRefundsYes 6/8spec lines stated 6.4
15 Yapily Payments Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationbothPayment frequencybothSettlement speedinstantPayment webhooksYesRefundsYes 6/8spec lines stated 6.4
16 Fintecture Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencybothSettlement speednot statedPayment webhooksYesRefundsYes 5/8spec lines stated 6.3
17 Token.io Data Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 0/8spec lines stated 6.3
18 Pay by Bank from allpay Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationredirectPayment frequencynot statedSettlement speedinstantPayment webhooksnot statedRefundsnot stated 2/8spec lines stated 5.7
19 Neopay Payment Initiation Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencybothSettlement speedinstantPayment webhooksnot statedRefundsYes 4/8spec lines stated 5.6
20 Finshark Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 0/8spec lines stated 5.4
21 Tink Free planNoPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 1/8spec lines stated 5.4
22 Yapily Data Free plannot statedPaid fromnot statedSupported countriesnot statedBank authenticationnot statedPayment frequencynot statedSettlement speednot statedPayment webhooksnot statedRefundsnot stated 0/8spec lines stated 5.3
Compare all 22 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Supported countries | Bank authentication |
|---|---|---|---|---|---|---|---|---|
| 1 | TrueLayer Data API | 7.2 | Free plan | Free | No | — | — | — |
| 2 | Lean Payments | 7.1 | No | — | — | — | — | redirect |
| 3 | Plaid | 7.0 | No | — | No | — | — | — |
| 4 | Trustly | 6.9 | No | — | — | — | — | both |
| 5 | Volt | 6.9 | No | — | — | — | — | both |
| 6 | TrueLayer Payments | 6.8 | No | — | No | — | — | both |
| 7 | Crezco | 6.7 | No | £10/mo | No | — | — | redirect |
| 8 | Fire Payments API | 6.7 | No | — | No | — | 2 countries | redirect |
| 9 | Finexer | 6.5 | No | — | — | — | — | — |
| 10 | Google Apigee | 6.5 | No | $13/mo | No | — | — | — |
| 11 | Noda | 6.5 | No | — | — | — | — | redirect |
| 12 | Salt Edge Payment Initiation | 6.5 | No | — | — | — | — | redirect |
| 13 | Tarabut Gateway Account Information | 6.5 | No | — | — | — | — | redirect |
| 14 | Brite Payments | 6.4 | No | — | — | — | 27 countries | both |
| 15 | Yapily Payments | 6.4 | No | — | No | — | — | both |
| 16 | Fintecture | 6.3 | No | — | No | — | — | redirect |
| 17 | Token.io Data | 6.3 | No | — | — | — | — | — |
| 18 | Pay by Bank from allpay | 5.7 | No | — | — | — | — | redirect |
| 19 | Neopay Payment Initiation | 5.6 | No | — | No | — | — | — |
| 20 | Finshark | 5.4 | No | — | — | — | — | — |
| 21 | Tink | 5.4 | No | — | No | — | — | — |
| 22 | Yapily Data | 5.3 | No | — | — | — | — | — |
Is your tool 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 Specifiction?
TrueLayer Data API is ranked #1 of 22 with a score of 7.2. Lean Payments is second and Plaid 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, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.
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