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SPECIFICTION
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Noda

noda.live

WebAPI
Visit noda.live
Spec score 7.8 #3 of 22 in Open Banking Payment Platforms

What it is

Noda is a paid open banking payment platform for businesses, available through an API and web-based tools. Customers can pay directly from bank accounts, while businesses can also offer cards, Apple Pay, and Google Pay. Noda lists plugins for WooCommerce, Magento, PrestaShop, and OpenCart, plus payment links and QR codes for accepting payments without coding. The platform connects to more than 2,000 UK and EU banks and states that it covers every UK bank. Open banking transaction fees start at 0.1%, with pricing tailored to business needs and no fixed plans listed. Noda says payments settle instantly or near-instantly. Bank authorisation uses Strong Customer Authentication, and customers must consent to financial-data sharing, with an option to withdraw consent. The pricing page lists 24/7 global technical support and a dedicated personal manager. Noda says the service does not support recurring subscriptions.

Spec sheet

What it does
Noda provides open-banking payments, payouts and financial-data services for online merchants.Read 15 Oct 2026 · noda.live
Product
Noda describes its open banking platform as a way to improve customer experience and ease transaction flows.Read 3 Oct 2026 · noda.live
Integrations
Noda lists plugins for WooCommerce, Magento, PrestaShop, and OpenCart, alongside API integration.Read 3 Oct 2026 · noda.live
Security
Noda describes open banking payments as authorised through customers' banks using Strong Customer Authentication.Read 3 Oct 2026 · noda.live
Support
Noda advertises a personal onboarding assistant, dedicated account management and 24/7 global technical support.Read 15 Oct 2026 · noda.live
Headquarters
CyprusRead 28 Sep 2026 · noda.live
Founded
LinkedIn lists the company as founded in 2020.Read 15 Oct 2026 · linkedin.com
API and examples
Noda exposes an API with examples or tooling for NPM, cURL, C# and PHP, plus webhook callbacks and API-key management.Read 15 Oct 2026 · noda.live
Bank coverage
Noda says it connects to more than 2,000 banks in the UK and EU, with full UK bank coverage.Read 3 Oct 2026 · noda.live
Brand notice
Noda's open banking page says NaudaPay Limited, which previously used the Noda and Noda.live brands, is now separate and no longer trades under those brands.Read 3 Oct 2026 · noda.live
Company headquarters
LinkedIn lists headquarters in Nicosia, Cyprus.Read 15 Oct 2026 · linkedin.com
Company size
LinkedIn lists Noda as privately held with 51–200 employees.Read 15 Oct 2026 · linkedin.com
Company timeline
Noda says open-banking payments beta launched in April 2021, B2C payouts in October 2022, AIS and AI payment links in December 2023, and headquarters moved to Cyprus in June 2026.Read 15 Oct 2026 · noda.live
Compliance claims
Noda pages claim PSD2 and GDPR compliance, strong customer authentication, PCI DSS compliance and PCI DSS Level 1 certification.Read 15 Oct 2026 · noda.live
Consent
Noda says customers must explicitly consent to financial data sharing and can opt out at any time.Read 3 Oct 2026 · noda.live
Data enrichment
Noda describes transaction cleaning, categorisation, affordability checks, creditworthiness analysis, income verification and financial analytics use cases.Read 15 Oct 2026 · noda.live
Documentation
Its support portal says technical documentation includes API specifications, integration instructions and code examples.Read 15 Oct 2026 · get.support.noda.live
E-commerce integrations
Ready-made plugins are offered for WooCommerce, Magento, OpenCart and PrestaShop.Read 15 Oct 2026 · noda.live
Intended customers
Noda's integration guide describes its solution as suited to SMEs and e-commerce businesses.Read 3 Oct 2026 · noda.live
KYC and analytics
Noda markets automated end-user KYC, lifetime-value forecasting and customer-behaviour segmentation.Read 15 Oct 2026 · linkedin.com
Legal entity notice
Noda’s current site identifies Stone Rose Operations Limited, company HE 489450, as a Cyprus technical-services provider and says NaudaPay Limited is now separate from the Noda brands.Read 15 Oct 2026 · noda.live
License terms
Noda’s terms grant users a limited, revocable, non-exclusive and non-transferable right to use the service, with other rights reserved by Noda.Read 15 Oct 2026 · cdn.noda.live
Limit
A Noda article says the service does not support recurring subscriptions.Read 3 Oct 2026 · noda.live
Limit: G2 reliability and reach
G2 review summaries mention occasional peak-time delays, limited international availability and frustration about lack of phone support.Read 15 Oct 2026 · g2.com
Limit: GetApp operations
GetApp reviewers report higher transaction fees, delayed settlements, technical glitches, limited currency support and restricted invoice editing.Read 15 Oct 2026 · getapp.com
Limit: Software Advice support
Software Advice reviewers mention a learning curve, delayed ticket resolution and occasional payment-processing disruptions.Read 15 Oct 2026 · softwareadvice.com
Limit: Trustpilot complaints
Trustpilot includes complaints alleging an unrecognised charge and refusal of a requested refund, alongside comments that customers need education about open banking.Read 15 Oct 2026 · trustpilot.com
No-code options
Businesses can accept payments through payment links and QR codes without coding.Read 3 Oct 2026 · noda.live
No-code pages
Noda offers AI-assisted branded payment-page creation for merchants without a custom checkout build.Read 15 Oct 2026 · discovery.noda.live
Notable partnership
Noda states that Wargaming partnered with it in February 2023 to add account-to-account open-banking payments to games.Read 15 Oct 2026 · noda.live
Payment coverage
Noda says its network connects more than 2,000 banks across 26 to 28 countries, depending on the page.Read 15 Oct 2026 · noda.live
Payment links
Merchants can generate payment links and QR codes without coding and share them through websites, email, messaging or social channels.Read 15 Oct 2026 · noda.live
Payment methods
Noda's platform combines open banking payments with cards, Apple Pay, and Google Pay.Read 3 Oct 2026 · noda.live
Payment products
The product suite includes open-banking payments, no-code payment pages, instant payment links, bank payouts, data enrichment and bank-based sign-in.Read 15 Oct 2026 · noda.live
Payments
Noda offers open banking payments that let customers pay directly from their bank accounts.Read 3 Oct 2026 · noda.live
Payouts
The bank-payout API supports real-time transfers through schemes such as Faster Payments, SEPA Instant and Pix, while card payouts use Visa Direct or Mastercard Send.Read 15 Oct 2026 · noda.live
Plugin requirements
The plugin page lists WooCommerce support for PHP 7.4, 8.1 and 8.2; Magento requires PHP 8.0 or newer; OpenCart requires PHP 7.4 or newer; PrestaShop supports PHP 7.4, 8.1 and 8.2.Read 15 Oct 2026 · noda.live
Praise: G2 integration
G2 reviewers repeatedly praise easy integration, usability and responsive support.Read 15 Oct 2026 · g2.com
Praise: GetApp payment operations
GetApp reviewers praise support for multiple payment methods and currencies, integration breadth, cash-flow improvement and ease of use.Read 15 Oct 2026 · getapp.com
Pricing
Noda says open banking transaction fees start at 0.1%.Read 3 Oct 2026 · noda.live
Pricing transparency
Noda says fees start at 0.1% per transaction and that there are no monthly subscriptions or chargeback costs.Read 15 Oct 2026 · noda.live
Rating on Capterra
5.0 out of 5 from 92 reviews.Read 15 Oct 2026 · capterra.it
Rating on G2
5.0 out of 5 from 18 reviews.Read 15 Oct 2026 · g2.com
Rating on GetApp
5.0 out of 5 from 92 reviews.Read 15 Oct 2026 · getapp.com
Rating on Software Advice
The opened Software Advice reviews show 5 out of 5 ratings for ease of use, value, support and functionality on the displayed reviews.Read 15 Oct 2026 · softwareadvice.com
Rating on Trustpilot
2.7 out of 5 from 25 reviews.Read 15 Oct 2026 · trustpilot.com
SDK and extensibility
Noda describes REST endpoints and SDKs for programmatic payouts and provides front-end components for integration.Read 15 Oct 2026 · noda.live
Security controls
Noda states that it uses TLS for data in transit, AES for stored data, multi-factor authentication and automated alerts.Read 15 Oct 2026 · noda.live
Self-hosting
The reviewed product pages describe hosted APIs, hosted payment pages and plugins; they do not describe a self-hosted deployment option.Read 15 Oct 2026 · noda.live
Settlement
Noda says open banking payments settle instantly or near-instantly.Read 3 Oct 2026 · noda.live

Plans and prices

Open-banking transaction pricing Priced on request Per transaction, from 0.1% No monthly subscription · No chargeback costs · Custom pricing may apply Read 15 Oct 2026 · noda.live
Transaction-based pricing Priced on request Noda says pricing is transaction-based and tailored to business needs; no fixed plans are listed. No fixed plans · pricing tailored to business needs Read 3 Oct 2026 · noda.live

Every Noda plan and price →

Strong points and limits

Strong points

  • Connects to more than 2,000 UK and EU banks
  • Offers cards, Apple Pay, and Google Pay
  • Plugins support four named commerce platforms
  • Payment links and QR codes need no coding
  • Payments settle instantly or near-instantly

Limits

  • Transaction fees start at 0.1%
  • No fixed plans or listed price
  • Recurring subscriptions are not supported

Who it suits

Noda is aimed at SMEs and e-commerce businesses needing bank-payment acceptance alongside cards and digital wallets. It suits teams wanting API, plugin, payment-link, or QR-code integration.

Verdict

Noda provides several payment channels and integration routes, with broad UK and EU bank connectivity. Businesses should account for tailored transaction pricing and the lack of recurring-subscription support.

Where Specifiction places it

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