# Dwolla vs Yapily

**Leader by vioscaleAI score:** Yapily

| Attribute | Dwolla | Yapily |
|---|---|---|
| **vioscaleAI score** | 41.5 (68% (medium)) | 49.8 (55% (medium)) |
| content.faq | `[{"answer":"Bank payment infrastructure for platforms and enterprises that automates ACH and real-time payments with standardized status handling and operational visibility across transaction rails. It is indexed under Fintech Infrastructure.","source":"https://www.dwolla.com","question":"What is Dwolla?","confidence":0.6},{"answer":"We have confirmed browser-based access to Dwolla. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.dwolla.com/pricing","question":"What platforms does Dwolla support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Dwolla, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.dwolla.com/pricing","question":"Can Dwolla be self-hosted?","confidence":0.6},{"answer":"We have confirmed 4 integrations for Dwolla, including FedNow Service, RTP (Real-time Payments), ACH Network and Open Banking. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.dwolla.com/pricing","question":"What does Dwolla integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 for Dwolla. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Dwolla not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.dwolla.com/security","question":"What security certifications does Dwolla have?","confidence":0.7}]` | `[{"answer":"Yapily offers APIs and software development kits that enable applications to connect to Open Banking services and financial institutions. The platform provides libraries for multiple programming languages and supports Third Party Provider implementations. It is indexed under Fintech Infrastructure.","source":"https://www.yapily.com","question":"What is Yapily?","confidence":0.6},{"answer":"We have confirmed browser-based access to Yapily. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.yapily.com","question":"What platforms does Yapily support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Yapily, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.yapily.com/pricing/","question":"Can Yapily be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed ISO 27001 and GDPR for Yapily. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Yapily not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.yapily.com/blog/how-yapily-approaches-compliance-in-open-banking/","question":"What security certifications does Yapily have?","confidence":0.7},{"answer":"Yapily is available in the United Kingdom, Germany, France, Sweden, Norway, Denmark and Finland. Its primary markets are the United Kingdom, Germany and France.","source":"https://www.yapily.com/pricing/","question":"Where is Yapily available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Bank payment infrastructure for platforms and enterprises that automates ACH and real-time payments with standardized status handling and operational visibility across transaction rails. | Yapily is an open banking platform that enables businesses to initiate real-time account-to-account payments and access financial data from consumer and business bank accounts via APIs. The platform offers white-label customization and infrastructure-level support suitable for fintechs, payment providers, and financial institutions. |
| features.capabilities | `{"capability":"payments","pci_dss_l1":false,"money_rails":"ACH, FedNow, RTP","card_issuing":false,"baas_accounts":false,"pricing_model":"quote","sdk_languages":"API-based (languages not specified)","multi_currency":false,"target_segment":"platform","soc_attestation":"none","data_aggregation":false,"psd2_open_banking":false,"payments_acquiring":false,"payout_disbursement":true}` | `{"capability":"payments","pci_dss_l1":false,"money_rails":"Bank transfers, A2A payments, VRP","card_issuing":false,"geo_coverage":"19+ European markets including UK, Germany, France, Nordic countries","baas_accounts":false,"sdk_languages":"Python, Node.js, Java, Dart","target_segment":"enterprise","soc_attestation":"none","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 4 | 2,000 |
| integrations.list | `[{"name":"FedNow Service"},{"name":"RTP (Real-time Payments)"},{"name":"ACH Network"},{"name":"Open Banking"}]` | - |
| market.availability | - | `{"primaryMarkets":["GB","DE","FR"],"availabilityScope":"regional","availableCountries":["GB","DE","FR","SE","NO","DK","FI","NL"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"quote","summary":"Custom pricing based on transaction volume, rails, and integration needs","currency":"USD","freeTier":false,"sourceUrl":"https://www.dwolla.com","retrievedAt":"2026-08-03T11:54:27.056Z"}` | - |
| pricing.free_tier | no | - |
| pricing.model | commercial | commercial |
| pricing.price_level | unknown | - |
| pricing.transparent | no | - |
| reliability.sla_pct | 99.9 | - |
| reliability.status_page | yes | yes |
| security.certifications | - | `[{"name":"ISO 27001","status":"active"}]` |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.soc2 | yes | - |
| security.trust_center | - | https://www.yapily.com/blog/trustly-alternatives/ |

## Capabilities (Fintech Infrastructure)

| Capability | Dwolla | Yapily |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Payments/acquiring | Payments/acquiring |
| **Capabilities** |  |  |
| Payments / acquiring | ✗ | ✓ |
| Card issuing | ✗ | ✗ |
| Banking-as-a-service / accounts | ✗ | ✗ |
| Data aggregation / open banking | ✗ | ✓ |
| Payouts / disbursements | ✓ | ✓ |
| Money movement rails (ACH, RTP, wire, card) | ACH, FedNow, RTP | Bank transfers, A2A payments, VRP |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✗ | - |
| Geographic coverage (countries / regions) | - | 19+ European markets including UK, Germany, France, Nordic countries |
| **Compliance** |  |  |
| PCI DSS Level 1 | ✗ | ✗ |
| SOC 1 / SOC 2 attestation | None / unknown | None / unknown |
| PSD2 / Open Banking licensed | ✗ | ✓ |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | API-based (languages not specified) | Python, Node.js, Java, Dart |
| **Pricing** |  |  |
| Pricing model | Quote / platform fee | - |
| **Market** |  |  |
| Target segment | Platform / marketplace | Enterprise |

*Source: vioscaleAI. Generated 2026-10-15T22:03:45.893Z. "-" = undocumented, not absent.*