# Adyen vs Yapily

**Leader by vioscaleAI score:** Adyen

| Attribute | Adyen | Yapily |
|---|---|---|
| **vioscaleAI score** | 85.2 (73% (medium)) | 49.8 (55% (medium)) |
| content.faq | `[{"answer":"A cloud-based payment service provider that enables platforms and marketplaces to embed payment acceptance, card issuing, and seller payout capabilities within their software, while managing regulatory compliance globally. It is indexed under Fintech Infrastructure.","source":"https://www.adyen.com","question":"What is Adyen?","confidence":0.6},{"answer":"Adyen is a paid product; published pricing starts at $0.13 per transaction. 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.adyen.com/pricing","question":"How much does Adyen cost?","confidence":0.6},{"answer":"We have confirmed browser-based access to Adyen. 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.adyen.com","question":"What platforms does Adyen support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Adyen, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.adyen.com","question":"Can Adyen be self-hosted?","confidence":0.6},{"answer":"We have confirmed 21 integrations for Adyen, including Visa, Mastercard, American Express, Apple Pay, Google Pay, PayPal, Alipay and WeChat Pay, plus 13 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.adyen.com/pricing","question":"What does Adyen integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Adyen. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Adyen not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.adyen.com","question":"What security certifications does Adyen have?","confidence":0.7},{"answer":"Adyen is available in Australia, the United Kingdom and the United States. Its primary markets are Australia, the United Kingdom and the United States.","source":"https://www.adyen.com","question":"Where is Adyen available?","confidence":0.75}]` | `[{"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 | A cloud-based payment service provider that enables platforms and marketplaces to embed payment acceptance, card issuing, and seller payout capabilities within their software, while managing regulatory compliance globally. | 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","money_rails":"ACH, SEPA Direct Debit, card networks, bank transfers, local payment methods","card_issuing":true,"geo_coverage":"Global, 200+ local payment methods, operations in 29 countries","baas_accounts":true,"pricing_model":"interchange_plus","sdk_languages":"Python, TypeScript, Ruby, PHP, Java, .NET, Go","multi_currency":true,"target_segment":"enterprise","data_aggregation":false,"psd2_open_banking":true,"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 | 200 | 2,000 |
| integrations.list | `[{"name":"Visa"},{"name":"Mastercard"},{"name":"American Express"},{"name":"Apple Pay"},{"name":"Google Pay"},{"name":"PayPal"},{"name":"Alipay"},{"name":"WeChat Pay"},{"name":"SEPA Direct Debit"},{"name":"ACH"},{"name":"Affirm"},{"name":"Klarna"},{"name":"iDEAL"},{"name":"Bancontact"},{"name":"Giropay"},{"name":"EPS"},{"name":"Przelewy24"},{"name":"OXXO"},{"name":"Boleto"},{"name":"Zenoti"},{"name":"Adobe"}]` | - |
| market.availability | `{"primaryMarkets":["AU","GB","US"],"availabilityScope":"global","availableCountries":["AU","GB","US"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB","DE","FR"],"availabilityScope":"regional","availableCountries":["GB","DE","FR","SE","NO","DK","FI","NL"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"usage","plans":[{"free":false,"name":"Per-Transaction Pricing","summary":"$0.13 + 2-5% per transaction, varies by payment method and region","features":["No setup fees","Pay per transaction only","Single integration for 200+ payment methods","Flexible payouts in multiple currencies"],"components":[{"kind":"fixed","amount":0.13,"period":"transaction","currency":"USD"},{"of":"transaction","kind":"percentage","plus":null,"rate":2}],"description":"Variable pricing based on payment method and geography","contactSales":false}],"summary":"$0.13 fixed fee + 2-5% per transaction (varies by payment method and geography). No setup or monthly fees.","currency":"USD","freeTier":false,"sourceUrl":"https://www.adyen.com/pricing","retrievedAt":"2026-08-14T10:18:04.788Z","startingPrice":{"amount":0.13,"period":"month","currency":"USD"}}` | - |
| pricing.free_tier | no | - |
| pricing.model | commercial | commercial |
| pricing.price_level | low | - |
| pricing.transparent | yes | - |
| reliability.sla_pct | 99.999 | - |
| reliability.status_page | yes | yes |
| security.certifications | - | `[{"name":"ISO 27001","status":"active"}]` |
| security.disclosure_policy | yes | - |
| security.gdpr | yes | yes |
| security.iso27001 | yes | yes |
| security.pci | yes | - |
| security.soc2 | yes | - |
| security.trust_center | - | https://www.yapily.com/blog/trustly-alternatives/ |

## Capabilities (Fintech Infrastructure)

| Capability | Adyen | 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, SEPA Direct Debit, card networks, bank transfers, local payment methods | Bank transfers, A2A payments, VRP |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | Global, 200+ local payment methods, operations in 29 countries | 19+ European markets including UK, Germany, France, Nordic countries |
| **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) | Python, TypeScript, Ruby, PHP, Java, .NET, Go | Python, Node.js, Java, Dart |
| **Pricing** |  |  |
| Pricing model | Interchange-plus | - |
| **Market** |  |  |
| Target segment | Enterprise | Enterprise |

*Source: vioscaleAI. Generated 2026-09-21T02:34:42.285Z. "-" = undocumented, not absent.*