Best Open Banking Payment Platforms in 2026
Updated
In short: TrueLayer Data API is ranked #1 of 22 as of 7 October 2026, ahead of Lean Payments and Pay by Bank from allpay. The lowest first paid tier on this page is Crezco at £10/mo.
Open banking payment platforms can support bank-connected transactions, with published details that help distinguish their payment flows and coverage. Compared on bank authentication, payment frequency, settlement speed, and supported countries, the entries also specify payment webhooks and refunds. Free-plan availability and paid-from pricing offer additional cost context. TrueLayer Data API, Lean Payments, and Trustly are among the platforms included. Compare their stated country coverage and transaction features with the markets and payment requirements you need to support, including authentication, settlement, and refund handling.
22 open banking payment platforms ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
1 of the 22 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | TrueLayer Data APIWeb · Android · iPhone · API | Three bars | — | 3 of 6 | Free | 6.5 | |
| 2 | Lean PaymentsWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.6 |
| 3 | Pay by Bank from allpayWeb · Android · iPhone | Two bars | — | — | 3 of 6 | — | 5.6 |
| 4 | TrustlyWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.6 |
| 5 | VoltWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.6 |
| 6 | Brite PaymentsWeb · Android · iPhone | Two bars | — | — | 3 of 6 | — | 5.4 |
| 7 | FinexerWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 8 | NodaWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 9 | Salt Edge Payment InitiationWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 10 | Tarabut Gateway Account InformationWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 11 | Token.io DataWeb · API | One bar | — | — | 1 of 6 | — | 5.3 |
| 12 | Fire Payments APIWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.2 |
| 13 | TrueLayer PaymentsWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.2 |
| 14 | FinsharkWeb · API | No signal | — | — | 1 of 6 | — | 5.1 |
| 15 | PlaidWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.1 |
| 16 | CrezcoWeb · API | One bar | — | — | 1 of 6 | £10/mo | 5.0 |
| 17 | FintectureWeb · API | One bar | — | — | 1 of 6 | — | 5.0 |
| 18 | Google ApigeeWeb | One bar | — | — | 1 of 6 | $13/mo | 5.0 |
| 19 | Neopay Payment InitiationWeb · API | One bar | — | — | 1 of 6 | — | 5.0 |
| 20 | Yapily DataNo platforms listed | No signal | — | — | 0 of 6 | — | 5.0 |
| 21 | Yapily PaymentsWeb · API | One bar | — | — | 1 of 6 | — | 5.0 |
| 22 | TinkWeb · API | No signal | — | — | 1 of 6 | — | 4.7 |
Compare all 22 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Supported countries | Bank authentication |
|---|---|---|---|---|---|---|---|---|
| 1 | TrueLayer Data API | 6.5 | Free plan | Free | No | — | — | — |
| 2 | Lean Payments | 5.6 | No | — | — | — | — | redirect |
| 3 | Pay by Bank from allpay | 5.6 | No | — | — | — | — | redirect |
| 4 | Trustly | 5.6 | No | — | — | — | — | both |
| 5 | Volt | 5.6 | No | — | — | — | — | both |
| 6 | Brite Payments | 5.4 | No | — | — | — | 27 countries | both |
| 7 | Finexer | 5.4 | No | — | — | — | — | — |
| 8 | Noda | 5.4 | No | — | — | — | — | redirect |
| 9 | Salt Edge Payment Initiation | 5.4 | No | — | — | — | — | redirect |
| 10 | Tarabut Gateway Account Information | 5.4 | No | — | — | — | — | redirect |
| 11 | Token.io Data | 5.3 | No | — | — | — | — | — |
| 12 | Fire Payments API | 5.2 | No | — | No | — | 2 countries | redirect |
| 13 | TrueLayer Payments | 5.2 | No | — | No | — | — | both |
| 14 | Finshark | 5.1 | No | — | — | — | — | — |
| 15 | Plaid | 5.1 | No | — | No | — | — | — |
| 16 | Crezco | 5.0 | No | £10/mo | No | — | — | redirect |
| 17 | Fintecture | 5.0 | No | — | No | — | — | redirect |
| 18 | Google Apigee | 5.0 | No | $13/mo | No | — | — | — |
| 19 | Neopay Payment Initiation | 5.0 | No | — | No | — | — | — |
| 20 | Yapily Data | 5.0 | No | — | — | — | — | — |
| 21 | Yapily Payments | 5.0 | No | — | No | — | — | both |
| 22 | Tink | 4.7 | No | — | No | — | — | — |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which open banking payment platform is ranked first on Freedom251?
TrueLayer Data API is ranked #1 of 22 with a score of 6.5. Lean Payments is second and Pay by Bank from allpay third.
How many of these have a free plan?
1 of the 22 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Crezco has the lowest first paid tier we found: £10/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.