Side by side

Decentro vs Railsr

Both stand on banking-as-a-service platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Decentro

Paid APIWeb

Decentro combines payment collection, accounts, escrow, and ledger capabilities behind APIs and a web dashboard. Check eligibility, currency availability, IP requirements, and transaction pricing during onboarding.

Visit Decentro

Railsr

Free plan APIWeb

Railsr provides embedded finance capabilities through APIs and a code-oriented sandbox. Companies should note the PayrNet contracting arrangement for regulated services and the stated onboarding restriction for agents and distributors.

Visit Railsr

The facts

	Decentro	Railsr
Free plan	No	Yes
Open source	Not published	No
Runs on	API, Web	API, Web
Lowest paid plan	Free or on request	Free or on request
Plans published	1	6
Maker	Not published	Not published
Website	decentro.tech	railsr.com
On banking-as-a-service platforms	#8 of 31	#4 of 31

Decentro: what it does well

Offers cards, SWIFT, SEPA, transfers, and virtual accounts.
Provides multi-currency accounts and escrow.
Includes a transaction and balance ledger.
Dashboard supports payment initiation and reconciliation reports.
Sandbox and test API credentials follow onboarding.

What to know first

Pricing is on request; no transaction price is shown.
API requests must come from whitelisted IP addresses.
Currencies depend on licenses and provider support.
Onboarding requires a non-sanctioned-country business entity.

Railsr: what it does well

Offers accounts, wallets, cards, transfers, and rewards.
Packages close to 100 integrations through one API.
Play Sandbox uses fake money for development.
Free plan and trial are listed.

What to know first

Pricing beyond the free plan is available on request.
New agents or distributors require prior written FCA consent.
Customers contract with PayrNet for regulated services.

Alternatives to Decentro Alternatives to Railsr The whole list