Newline by Fifth Third vs Railsr
Newline by Fifth Third
newline53.comRailsr
railsr.comSide by side
| Figure | Newline by Fifth Third | Railsr |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 6 |
| Spec score · Banking-as-a-Service Platforms | 7.1 (#25) | 8.2 (#5) |
| API | The Newline API is REST-organized and accepts form-encoded or JSON-encoded request bodies, returning JSON-encoded responses. | Railsr says its APIs integrate finance capabilities into a brand's digital journey and keep Railsr behind the scenes. |
| Cards | Newline offers issuing and acquiring sponsorship, plus virtual and physical cards for enterprise businesses. | Railsr offers debit, prepaid, credit and virtual card capabilities, including card production, processing, lifecycle controls and mobile-wallet support. |
| Founded | 2023 | 2016 |
| Product | Newline is an API-first platform for launching embedded payment and deposit solutions directly with Fifth Third Bank. | Railsr describes itself as a global embedded finance platform for banking, wallets and cards. |
| Sandbox | Newline provides an interactive sandbox, but its documentation says it lacks some production features and simulated transfers do not move real money. | The Play Sandbox API uses fake money and is intended for writing code against a functional Railsr platform. |
| Support | The developer documentation directs clients to its Sales and Partnership team or their Newline Specialist for implementation and API questions. | Existing customers are directed to log in to a service portal to raise support tickets. |
Plans
Railsr
- LearnFree
- Live Sandbox APIFree
- Play Sandbox APIFree
- LaunchPriced on request
- PrototypePriced on request
- ScalePriced on request
In their own words
Newline by Fifth Third
Newline by Fifth Third has no write-up on Specifiction yet; its figures are above.
Railsr
Railsr is an embedded finance platform for companies adding financial services to digital products. Its capabilities include wallets and accounts, debit, prepaid, credit and virtual cards, money transfers and reward programmes. Railsr says its APIs place these services within a brand’s digital journey, with the platform operating behind the scenes. It packages close to 100 integrations under a single API and commercial agreement. Developers can use the Play Sandbox API, a functional coding environment that uses fake money. The platform is offered through API and web and lists fintechs, sports clubs, retailers and brands among its intended customers. A free plan and trial are listed, while other pricing is available on request. For regulated services, customers contract with PayrNet, Railsr’s wholly owned subsidiary; Railsr provides technology services. Railsr says new agents or distributors cannot be onboarded without prior written FCA consent.