# TrueLayer vs Yapily

**Leader by Vioscale score:** TrueLayer

| Attribute | TrueLayer | Yapily |
|---|---|---|
| **Vioscale score** | 64.9 (44% (low)) | 49.7 (56% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Europe's leading open banking platform enabling Pay by Bank payments. TrueLayer's network of 24M+ consumers processes $116B in annualized volume, helping merchants reduce payment costs and improve conversion. | 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":"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}` | `{"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 | - | 2,000 |
| market.availability | `{"hqCountry":"GB","primaryMarkets":["GB"],"availabilityScope":"regional","availableCountries":["GB"],"notAvailableCountries":[]}` | `{"primaryMarkets":["GB","DE","FR"],"availabilityScope":"regional","availableCountries":["GB","DE","FR","SE","NO","DK","FI"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing.model | commercial | commercial |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | - |
| security.gdpr | yes | yes |
| security.iso27001 | yes | yes |
| security.soc2 | yes | - |

## Capabilities (Fintech Infrastructure)

| Capability | TrueLayer | Yapily |
|---|:--:|:--:|
| **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) | Pay by Bank (bank transfer based) | Bank transfers, A2A payments, VRP |
| **Coverage** |  |  |
| Multi-currency / cross-border | - | - |
| Geographic coverage (countries / regions) | Europe, UK primary | 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) | - | - |
| **Pricing** |  |  |
| Pricing model | - | - |
| **Market** |  |  |
| Target segment | Enterprise | Enterprise |

*Source: Vioscale. Generated 2026-09-01T16:27:39.752Z. "-" = undocumented, not absent.*