# Rapyd vs Yapily

**Leader by Vioscale score:** Yapily

| Attribute | Rapyd | Yapily |
|---|---|---|
| **Vioscale score** | 35.9 (54% (medium)) | 49.7 (56% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Rapyd provides a developer-focused API for building payment acceptance and collection into applications. The platform supports multiple local and international payment methods, including card payments, bank transfers, and checkout functionality. | FCA-regulated open banking provider operating in 19+ European markets. Offers API-based payments (Pay by Bank, A2A transfers, VRP) and real-time financial data access for banks, fintechs, and B2B platforms. |
| 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":false}` | `{"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,"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"],"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.gdpr | - | yes |
| security.iso27001 | - | yes |
| security.pci | yes | - |

## 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 | - |
| **Pricing** |  |  |
| Pricing model | Usage / per API call | - |
| **Market** |  |  |
| Target segment | Platform / marketplace | Enterprise |

*Source: Vioscale. Generated 2026-09-01T15:22:42.872Z. "-" = undocumented, not absent.*