# Rapyd vs TrueLayer

**Leader by vioscaleAI score:** TrueLayer

| Attribute | Rapyd | TrueLayer |
|---|---|---|
| **vioscaleAI score** | 39.6 (51% (medium)) | 61.8 (44% (low)) |
| 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}]` | `[{"answer":"A platform that lets businesses accept payments directly from customer bank accounts and manage payouts. It provides real-time transaction data and reduces fraud by eliminating traditional card networks. It is indexed under Fintech Infrastructure.","source":"https://truelayer.com","question":"What is TrueLayer?","confidence":0.6},{"answer":"We have confirmed browser-based access to TrueLayer. 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://truelayer.com","question":"What platforms does TrueLayer support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for TrueLayer, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://truelayer.com","question":"Can TrueLayer be self-hosted?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for TrueLayer. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as TrueLayer not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.truelayer.com","question":"What security certifications does TrueLayer have?","confidence":0.7},{"answer":"TrueLayer is available in the United Kingdom. Its primary market is the United Kingdom. The vendor is headquartered in the United Kingdom.","source":"https://truelayer.com","question":"Where is TrueLayer available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | 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. | A platform that lets businesses accept payments directly from customer bank accounts and manage payouts. It provides real-time transaction data and reduces fraud by eliminating traditional card networks. |
| features.capabilities | `{"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}` | `{"capability":"data_aggregation","pci_dss_l1":false,"money_rails":"Pay by Bank (bank transfer based)","card_issuing":false,"geo_coverage":"Europe, UK primary","target_segment":"enterprise","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 4 | - |
| integrations.list | `[{"name":"WooCommerce"},{"name":"Next.js"},{"name":"Postman"},{"name":"Flutter"}]` | - |
| market.availability | - | `{"hqCountry":"GB","primaryMarkets":["GB"],"availabilityScope":"regional","availableCountries":["GB"],"notAvailableCountries":[]}` |
| platform.support | `{"cli":true,"web":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 | - |
| reliability.status_page | - | yes |
| security.certifications | `[{"name":"PCI DSS Level 1","level":"Level 1","status":"active"}]` | - |
| security.disclosure_policy | - | yes |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.pci | yes | - |
| security.soc2 | - | yes |

## Capabilities (Fintech Infrastructure)

| Capability | Rapyd | TrueLayer |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Payments/acquiring | Data aggregation |
| **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 | Pay by Bank (bank transfer based) |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | International with local payment method support | Europe, UK primary |
| **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 | Platform / marketplace | Enterprise |

*Source: vioscaleAI. Generated 2026-10-16T17:47:47.247Z. "-" = undocumented, not absent.*