# Rapyd vs Yapily

**Leader by vioscaleAI score:** Yapily

| Attribute | Rapyd | Yapily |
|---|---|---|
| **vioscaleAI score** | 39.6 (51% (medium)) | 49.8 (55% (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}]` | `[{"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 | 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. | 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":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":"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":"WooCommerce"},{"name":"Next.js"},{"name":"Postman"},{"name":"Flutter"}]` | - |
| market.availability | - | `{"primaryMarkets":["GB","DE","FR"],"availabilityScope":"regional","availableCountries":["GB","DE","FR","SE","NO","DK","FI","NL"],"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"}]` | `[{"name":"ISO 27001","status":"active"}]` |
| security.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.pci | yes | - |
| security.trust_center | - | https://www.yapily.com/blog/trustly-alternatives/ |

## Capabilities (Fintech Infrastructure)

| Capability | Rapyd | 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) | Cards, bank transfers, local payment methods | Bank transfers, A2A payments, VRP |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | International with local payment method support | 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) | JavaScript, TypeScript, Flutter, C#, PHP, Elixir | Python, Node.js, Java, Dart |
| **Pricing** |  |  |
| Pricing model | Usage / per API call | - |
| **Market** |  |  |
| Target segment | Platform / marketplace | Enterprise |

*Source: vioscaleAI. Generated 2026-10-16T20:12:57.898Z. "-" = undocumented, not absent.*