Comparison · 2026 edition
Trustly vs Yapily: open banking compared 2026.
Trustly and Yapily side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
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Trustly and Yapily side by side in the Open Banking and Account-to-Account Payments Index 2026: scores, evidence, published facts and awards.
In the Open Banking and Account-to-Account Payments Index, Yapily scores higher overall: 3.5 out of 5 (70 out of 100) against 3.3 (66), ranking 3 and 4 of 12. Yapily also scores higher in every segment.
Overall and segment scores out of 100, and the score out of 5.
| Score | Trustly | Yapily |
|---|---|---|
| Score out of 5 | 3.3 | 3.5 |
| Score out of 100 | 66 | 70 |
| Overall rank | 4 of 12 | 3 of 12 |
| For payment and e-money firms (out of 100) | 73, rank 4 | 77, rank 3 |
| For lenders and fintech apps (out of 100) | 64, rank 5 | 67, rank 3 |
| For merchants and platforms (out of 100) | 62, rank 5 | 66, rank 3 |
| Type | Pay by bank network | Open banking API platform |
Each score with the evidence behind it.
| Criterion | Trustly | Yapily |
|---|---|---|
| Bank coverage | 5/5 12,000+ banks across 30+ countries published. | 5/5 2,000 institutions across 19 countries published. |
| Product range | 4/5 Payments, payouts and account data published; VRP not named. | 5/5 Account data, payments, VRP and bulk payments published. |
| Published pricing | 0/5 Not published on the pages read. | 0/5 Not published. |
| Regulatory standing | 5/5 Swedish and UK licences published, with an FCA number and Swedish corporate identity number. | 5/5 FCA and Bank of Lithuania licences with numbers published. |
| Integration | 4/5 API, SDKs and documentation; sandbox and self-serve sign-up not confirmed on the pages read. | 4/5 API docs, console, demo app and sign-up; SDKs and sandbox not confirmed on the pages read. |
| Security certifications | 0/5 Not published on the pages read. | 0/5 Not published on the pages read. |
Each criterion is scored 0 to 5 against the best published offer in the Open Banking and Account-to-Account Payments Index. 0 means not offered or not published. How it is scored
What each provider publishes on its own pages, read on 26 October 2026.
| Fact | Trustly | Yapily |
|---|---|---|
| Bank coverage | "connects you to 12,000+ banks worldwide with just one API"; "110M+ users across 30+ countries". | "Explore over 2,000 institutions directly integrated in 19 countries", "with the majority of banks covered in the UK and Germany". |
| Product range | Trustly Pay, Trustly Payouts ("Secure payouts in seconds"), Trustly Connect, Trustly ID and Trustly Insights; Subscription and Bill Pay solution. VRP not named on the pages read. | Products listed: Payments, Variable Recurring Payments, Commercial VRP, Bulk Payments, Data, Data Plus and Validate. |
| Pricing | Not published on the pages read. | "Tailored pricing for every business"; "Let's talk". No prices published. |
| Regulatory standing | Trustly Group AB (corporate identity number 556754-8655) "is an authorized Swedish payment institution under the supervision of the Swedish Financial Supervisory Authority"; Trustly UK Limited, FCA Firm Reference Number 1005703. | "Yapily Connect Ltd is regulated by the UK Financial Conduct Authority with no. 827001"; "Yapily Connect UAB is regulated by the Bank of Lithuania with no. LB002045". |
| Integration | One API with documentation; "SDK Reference Android, iOS, React Native, Web"; merchant portal. | API docs "designed so AI coding agents can connect directly", Customer Console, demo app, "Get Started" sign-up. |
| Security certifications | Not published on the pages read. | Not published on the pages read. |
| Date read | 26 October 2026 | 26 October 2026 |
Not published or not stated by Trustly: product range, pricing and integration.
Not published or not stated by Yapily: pricing, security certifications and integration.
Facts read on 26 October 2026 from: trustly.com, trustly.com/legal-hub; and yapily.com, yapily.com/pricing, yapily.com/product/open-banking-country-coverage, yapily.com/legal.
Awards follow from the published scores and cannot be bought.
From each provider's strongest criteria and published terms.
Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US.
Payment firms and software platforms needing UK and EU coverage including business accounts.
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