# Envestnet | Yodlee vs Rapyd

| Attribute | Envestnet | Yodlee | Rapyd |
|---|---|---|
| **vioscaleAI score** | 55.8 (8% (low)) | 39.6 (51% (medium)) |
| content.faq | - | `[{"answer":"Rapyd is a payment platform that enables businesses to accept payments globally through locally-preferred payment methods and disburse funds to contractors and suppliers. It provides APIs and SDKs supporting recurring payments, virtual accounts, and multi-currency transactions. It is indexed under Fintech Infrastructure.","source":"https://www.rapyd.net","question":"What is Rapyd?","confidence":0.6},{"answer":"Rapyd is a paid product; published pricing starts at $30 per month. There is no free tier. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.rapyd.net","question":"How much does Rapyd cost?","confidence":0.6},{"answer":"Rapyd supports the web and a command-line interface. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://www.rapyd.net","question":"What platforms does Rapyd support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Rapyd, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.rapyd.net","question":"Can Rapyd be self-hosted?","confidence":0.6},{"answer":"We have confirmed 4 integrations for Rapyd, including WooCommerce, Next.js, Postman and Flutter. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.rapyd.net","question":"What does Rapyd integrate with?","confidence":0.6}]` |
| deployment.options | - | `{"cloud":true}` |
| description.long | A data aggregation and open banking platform that enables financial institutions, fintechs, and platforms to securely connect consumer and business accounts and access enriched financial intelligence. Yodlee provides account aggregation, transaction data, and analytics to power lending decisions, personalized services, and alternative credit assessment. | Rapyd is a payment platform that enables businesses to accept payments globally through locally-preferred payment methods and disburse funds to contractors and suppliers. It provides APIs and SDKs supporting recurring payments, virtual accounts, and multi-currency transactions. |
| features.capabilities | `{"capability":"data_aggregation","geo_coverage":"North America","target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true}` | `{"capability":"payments","pci_dss_l1":true,"money_rails":"Cards, bank transfers, local payment methods","card_issuing":false,"geo_coverage":"International with local payment method support","baas_accounts":false,"pricing_model":"usage","sdk_languages":"JavaScript, TypeScript, Flutter, C#, PHP, Elixir","multi_currency":true,"target_segment":"platform","soc_attestation":"none","data_aggregation":false,"psd2_open_banking":false,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 19,000 | 4 |
| integrations.list | `[{"name":"Advisor360°"},{"name":"IGG Software"},{"name":"PayPal"},{"name":"Norton","native":true,"category":"security","direction":"outbound"}]` | `[{"name":"WooCommerce"},{"name":"Next.js"},{"name":"Postman"},{"name":"Flutter"}]` |
| market.availability | `{"primaryMarkets":["AU","US"],"availabilityScope":"global","availableCountries":["AU","US"],"notAvailableCountries":[]}` | - |
| platform.support | - | `{"cli":true,"web":true}` |
| pricing | - | `{"type":"usage","plans":[{"free":false,"name":"Regional Processing","summary":"Transaction-based fees vary by country; administrative fees from USD 30/month if inactive","features":["Regional payment processing","Multi-currency support","Card acquiring","Payouts","Card issuing","Business accounts"],"commitment":"monthly","components":[{"of":"transaction","kind":"percentage","rate":3.49,"period":"transaction","currency":"USD"},{"of":"transaction","kind":"percentage","plus":{"amount":300,"currency":"COP"},"rate":3.29,"period":"transaction","currency":"COP"},{"of":"transaction","kind":"percentage","plus":{"amount":0.69,"currency":"PEN"},"rate":3.4,"period":"transaction","currency":"PEN"},{"kind":"fixed","amount":30,"period":"month","currency":"USD"}],"description":"Per-transaction and administrative fees vary by country and payment method","contactSales":false}],"summary":"Usage-based pricing with per-transaction percentages (3.29%–3.49%) plus regional administrative fees. Interchange++ model.","currency":"USD","freeTier":false,"sourceUrl":"https://www.rapyd.net","retrievedAt":"2026-08-03T11:56:10.044Z","startingPrice":{"amount":30,"period":"month","currency":"USD"},"billingPeriods":["month"]}` |
| pricing.free_tier | - | no |
| pricing.model | commercial | commercial |
| pricing.price_level | - | mid |
| pricing.transparent | - | yes |
| security.certifications | - | `[{"name":"PCI DSS Level 1","level":"Level 1","status":"active"}]` |
| security.gdpr | yes | - |
| security.pci | - | yes |
| security.trust_center | https://www.yodlee.com/documentation/yodlee-credit-privacy-notice | - |

## Capabilities (Fintech Infrastructure)

| Capability | Envestnet | Yodlee | Rapyd |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Data aggregation | 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) | - | Cards, bank transfers, local payment methods |
| **Coverage** |  |  |
| Multi-currency / cross-border | - | ✓ |
| Geographic coverage (countries / regions) | North America | International with local payment method support |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | ✓ |
| SOC 1 / SOC 2 attestation | - | None / unknown |
| PSD2 / Open Banking licensed | - | ✗ |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - | JavaScript, TypeScript, Flutter, C#, PHP, Elixir |
| **Pricing** |  |  |
| Pricing model | - | Usage / per API call |
| **Market** |  |  |
| Target segment | Enterprise | Platform / marketplace |

*Source: vioscaleAI. Generated 2026-10-20T14:37:56.264Z. "-" = undocumented, not absent.*