Yapily
Payment gateways
Payment processing software
Unified APIs software
Digital banking platforms
Financial data APIs
Payment software
Financial services software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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- Banking and insurance
- Real estate and property management
- Healthcare and life sciences
What is Yapily
Yapily is an open banking API platform that provides a unified interface to connect applications with bank accounts for account information and payment initiation. It is used by fintechs, merchants, and financial institutions to build services such as account aggregation, bank-to-bank payments, and customer onboarding flows. The product focuses on standardized connectivity across multiple banks and countries, with developer tooling and compliance-oriented features aligned to open banking schemes.
Unified open banking connectivity
Yapily provides a single API layer that abstracts differences across bank APIs and open banking standards. This reduces the need for teams to build and maintain direct integrations with each bank. It supports common open banking use cases such as account data access and payment initiation. This approach is particularly relevant for organizations operating across multiple financial institutions.
Account data and payments
The platform covers both financial data access (e.g., account and transaction information) and payment initiation workflows. This enables end-to-end experiences such as verifying funds, reconciling transactions, and triggering bank payments from the same integration. For businesses evaluating payment software, this can reduce the number of separate vendors required. It also supports use cases beyond card-based payment gateways.
Developer-focused API tooling
Yapily offers API documentation and integration tooling intended for software teams building embedded finance or payment experiences. A unified API can simplify testing and ongoing maintenance compared with bespoke bank integrations. The product is designed to be integrated into existing applications rather than used as a standalone banking UI. This fits teams that want programmatic control over payment and data flows.
Geography and bank coverage limits
Open banking connectivity depends on the banks and countries supported by the provider and the underlying schemes. Coverage gaps can require fallbacks or additional providers for certain markets or institutions. Organizations with global requirements may need to validate bank-by-bank availability and performance. This can add complexity compared with more universally accepted payment methods.
Not a full payment gateway
Yapily focuses on bank account connectivity and payment initiation rather than end-to-end card acquiring. Businesses that need card processing features such as chargebacks, card tokenization, and broad alternative payment method acceptance may still require separate payment gateway and acquiring relationships. This can increase vendor management overhead. It is best evaluated as part of a broader payments stack.
Operational and compliance overhead
Open banking flows often require strong customer authentication and consent management, which can add friction to user journeys. Implementation typically involves regulatory, security, and data governance considerations beyond basic API integration. Service reliability can also be influenced by upstream bank API availability. Teams should plan for monitoring, retries, and customer support processes.
Plan & Pricing
Pricing model: Usage-based / Tailored (contact sales) Free tier/trial: Free Yapily Console developer account and Sandbox access for testing (permanent developer/free sandbox access; not for production). Example costs: No public commercial prices or per-transaction rates are published on Yapily's official website. All production / commercial pricing is provided via sales and custom agreements. Discount options: Not specified on the public site; contact Yapily sales for volume/enterprise discounts and SLAs.
Seller details
Yapily Ltd
London, United Kingdom
2017
Private
https://www.yapily.com
https://x.com/yapily
https://www.linkedin.com/company/yapily/
