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An independent annual ranking of the open banking providers that businesses use to take payments straight from a customer's bank account and to read account data with the customer's consent. 12 providers, six criteria, nothing paid for.
Scores out of 100. Each segment weights the criteria differently; the method is below. Facts read on 26 October 2026 from the providers' own pages.
The mean of the 3 segment scores.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Plaid | 78 | Open banking data and payments platform | Fintechs and lenders needing wide bank coverage with UK and EU licences |
| 2. Tink | 76 | Open banking data and payments platform | Banks, lenders and payment firms across Europe wanting licences in three regions |
| 3. Yapily | 70 | Open banking API platform | Payment firms and software platforms needing UK and EU coverage including business accounts |
| 4. Trustly | 66 | Pay by bank network | Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US |
| 5. Salt Edge | 66 | Open banking and open finance platform | Lenders and payment firms needing data from many countries |
| 6. GoCardless | 61 | Bank payments and open banking provider | UK businesses collecting recurring payments by direct debit and pay by bank |
| 7. Volt | 56 | Real-time account-to-account payments network | Merchants and payment firms taking and returning instant bank payments in Europe, the UK and Australia |
| 8. Finverse | 54 | Bank payments and data API (Asia) | Businesses in Hong Kong and Southeast Asia collecting recurring bank payments |
| 9. Basiq | 50 | Open banking data platform (Australia) | Australian lenders and fintech apps using Consumer Data Right data |
| 10. TrueLayer | 43 | Pay by bank network | UK and European merchants wanting pay by bank, recurring payments and instant payouts |
| 11. Token.io | 39 | Pay by bank infrastructure | Banks, acquirers and gateways adding pay by bank to their own offer |
| 12. Brankas | 36 | Open finance API platform (Asia) | Banks and fintechs in Southeast Asia building payment and data products |
Weighted to regulatory standing and product range: a regulated firm needs a licensed provider its own regulator will accept, covering payments in and out.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Plaid | 85 | Open banking data and payments platform | Fintechs and lenders needing wide bank coverage with UK and EU licences |
| 2. Tink | 83 | Open banking data and payments platform | Banks, lenders and payment firms across Europe wanting licences in three regions |
| 3. Yapily | 77 | Open banking API platform | Payment firms and software platforms needing UK and EU coverage including business accounts |
| 4. Trustly | 73 | Pay by bank network | Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US |
| 5. Salt Edge | 69 | Open banking and open finance platform | Lenders and payment firms needing data from many countries |
| 6. GoCardless | 65 | Bank payments and open banking provider | UK businesses collecting recurring payments by direct debit and pay by bank |
| 7. Volt | 63 | Real-time account-to-account payments network | Merchants and payment firms taking and returning instant bank payments in Europe, the UK and Australia |
| 8. Basiq | 49 | Open banking data platform (Australia) | Australian lenders and fintech apps using Consumer Data Right data |
| 9. Token.io | 49 | Pay by bank infrastructure | Banks, acquirers and gateways adding pay by bank to their own offer |
| 10. Finverse | 48 | Bank payments and data API (Asia) | Businesses in Hong Kong and Southeast Asia collecting recurring bank payments |
| 11. TrueLayer | 48 | Pay by bank network | UK and European merchants wanting pay by bank, recurring payments and instant payouts |
| 12. Brankas | 35 | Open finance API platform (Asia) | Banks and fintechs in Southeast Asia building payment and data products |
Weighted to bank coverage and security: lenders and apps read account data from many banks and must protect it.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Plaid | 79 | Open banking data and payments platform | Fintechs and lenders needing wide bank coverage with UK and EU licences |
| 2. Tink | 76 | Open banking data and payments platform | Banks, lenders and payment firms across Europe wanting licences in three regions |
| 3. Yapily | 67 | Open banking API platform | Payment firms and software platforms needing UK and EU coverage including business accounts |
| 4. Salt Edge | 67 | Open banking and open finance platform | Lenders and payment firms needing data from many countries |
| 5. Trustly | 64 | Pay by bank network | Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US |
| 6. GoCardless | 60 | Bank payments and open banking provider | UK businesses collecting recurring payments by direct debit and pay by bank |
| 7. Volt | 55 | Real-time account-to-account payments network | Merchants and payment firms taking and returning instant bank payments in Europe, the UK and Australia |
| 8. Finverse | 51 | Bank payments and data API (Asia) | Businesses in Hong Kong and Southeast Asia collecting recurring bank payments |
| 9. Basiq | 48 | Open banking data platform (Australia) | Australian lenders and fintech apps using Consumer Data Right data |
| 10. TrueLayer | 38 | Pay by bank network | UK and European merchants wanting pay by bank, recurring payments and instant payouts |
| 11. Brankas | 37 | Open finance API platform (Asia) | Banks and fintechs in Southeast Asia building payment and data products |
| 12. Token.io | 35 | Pay by bank infrastructure | Banks, acquirers and gateways adding pay by bank to their own offer |
Weighted to published pricing and integration: a merchant compares pay by bank costs with card fees and wants a quick set-up.
| Rank and provider | Score /100 | Status | Strongest for |
|---|---|---|---|
| 1. Plaid | 70 | Open banking data and payments platform | Fintechs and lenders needing wide bank coverage with UK and EU licences |
| 2. Tink | 69 | Open banking data and payments platform | Banks, lenders and payment firms across Europe wanting licences in three regions |
| 3. Yapily | 66 | Open banking API platform | Payment firms and software platforms needing UK and EU coverage including business accounts |
| 4. Finverse | 64 | Bank payments and data API (Asia) | Businesses in Hong Kong and Southeast Asia collecting recurring bank payments |
| 5. Trustly | 62 | Pay by bank network | Merchants in gaming, travel and subscriptions wanting pay by bank across Europe and the US |
| 6. Salt Edge | 61 | Open banking and open finance platform | Lenders and payment firms needing data from many countries |
| 7. GoCardless | 57 | Bank payments and open banking provider | UK businesses collecting recurring payments by direct debit and pay by bank |
| 8. Basiq | 53 | Open banking data platform (Australia) | Australian lenders and fintech apps using Consumer Data Right data |
| 9. Volt | 50 | Real-time account-to-account payments network | Merchants and payment firms taking and returning instant bank payments in Europe, the UK and Australia |
| 10. TrueLayer | 42 | Pay by bank network | UK and European merchants wanting pay by bank, recurring payments and instant payouts |
| 11. Brankas | 35 | Open finance API platform (Asia) | Banks and fintechs in Southeast Asia building payment and data products |
| 12. Token.io | 34 | Pay by bank infrastructure | Banks, acquirers and gateways adding pay by bank to their own offer |
Each criterion is scored 0 to 5 against the best published offer in this edition. 0 means not offered or not published.
6 criteria, scored only from what each provider publishes.
The published number of countries and banks the provider connects to. Open banking means a customer lets a regulated provider see their bank account or start a payment from it, through the bank's own secure connection.
Whether one provider publishes all four parts: account data (reading balances and transactions), single bank payments (pay by bank), variable recurring payments (a standing permission for repeat payments of varying amounts, VRP for short), and payouts or refunds back to bank accounts.
Per-payment, per-user or per-call prices on a pricing page. "From", "starting at" and promotional prices do not count.
The provider's own licences to read account data and start payments, with the regulator and licence or register number, ideally in both the UK and the EU.
API documentation, SDKs (ready-made code for apps and websites), a sandbox (a test environment with dummy banks), a hosted bank selection screen and self-serve sign-up.
Published security certifications, chiefly ISO 27001 and SOC 2 Type II (independent audits of how the provider protects data).
| Criterion | Payment and e-money firms | Lenders and fintech apps | Merchants and platforms |
|---|---|---|---|
| Bank coverage | 20 | 25 | 20 |
| Product range | 20 | 15 | 20 |
| Published pricing | 10 | 15 | 25 |
| Regulatory standing | 25 | 15 | 10 |
| Integration | 15 | 15 | 20 |
| Security certifications | 10 | 15 | 5 |
| Criterion | 5 | 3 | 0 |
|---|---|---|---|
| Bank coverage | 15 or more countries and 2,000 or more banks published | One count published, or 100 or more banks in a single market | Not published |
| Product range | Account data, single payments, VRP and payouts or refunds all published | Two of the four published | Not published |
| Published pricing | Per-payment or per-user prices for payments and data on a pricing page | Some prices published for part of the product | Not published, or "from" prices only |
| Regulatory standing | Own licences with numbers from two or more regulators, including the UK and the EU | One licence or accreditation with its number | Not published |
| Integration | API documentation, SDKs, sandbox, hosted bank selection and self-serve sign-up | API with one other option | Not published |
| Security certifications | ISO 27001 and SOC 2 Type II published | One certification published | Not published |
Score out of 100 is the sum of each criterion score divided by five and multiplied by its weight. The overall ranking is the mean of the segment scores. Ties are broken by bank coverage, then regulatory standing. A provider that does not publish a price is scored as though the price were high, because a business cannot plan on an unpublished price. Prices are scored on the standard published rate, never an introductory, promotional or "from" rate, and a figure counts only when it appears on a pricing, fee or terms page rather than in a marketing line. A provider that serves one country only is scored on access for that country, and the limitation is printed in its profile.
What each provider publishes, criterion by criterion, with the date read and the source.
A US-founded open banking platform for account data and bank payments. Its UK and EU pages publish the widest bank coverage in this edition, all four product types, UK and Dutch licences with numbers and several security certifications. Prices are not published, and the SOC 2 report type is not stated.
| Bank coverage | "Access 12,000+ financial institutions and both personal and business accounts across 20 countries." |
| Product range | Products listed: Pay by Bank, Variable Recurring Payments, Payouts ("Seamless payouts within your app"), Transactions, Balance, Income and Identity Verification. |
| Pricing | US and Canada pricing page lists Pay as You Go, Growth and Custom plans with products "Included" or "Contact for pricing"; no prices published. |
| Regulatory standing | Plaid Financial Limited "authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 804718"; Plaid B.V. "authorised and supervised by De Nederlandsche Bank (DNB) under registration number R179714". |
| Integration | "Start testing in sandbox for free"; Plaid Link bank connection screen; pay-as-you-go plan by request; unlimited live API calls. |
| Security certifications | "Plaid is certified as ISO 27001 compliant", "ISO 27701 compliant" and "SSAE18 SOC 2 compliant" (report type not stated). |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: plaid.com, plaid.com, plaid.com.
A Swedish open banking platform, owned by Visa, for account data and bank payments. It publishes 3,000+ bank connections in 18 countries, all four product types, licences with numbers from Swedish, German and UK regulators, and SOC 2 Type II. Prices are shown only to existing customers.
| Bank coverage | FAQ: "Tink has 3000+ connections to banks and financial institutions across 18 countries." |
| Product range | Products: Pay by Bank ("instant payments and refunds"), Sweeping Variable Recurring Payments, Payouts, Account Check, Transactions, Income Check and Risk Insights. |
| Pricing | "The prices listed on this page are applicable exclusively to our existing customers"; new clients "should contact our sales team". Standard and Enterprise plans: "Contact us" and "Custom pricing". |
| Regulatory standing | Tink AB, Swedish Financial Supervisory Authority, SFSA ID 44059; Tink Germany GmbH, BaFin-ID 10152149; Tink Financial Services Limited, FCA FRN 988456; each licensed for account information and payment initiation services. |
| Integration | "Our SDKs make it fast and easy to build"; API reference, Tink Link demo, Tink Console to configure products, online sign-up. |
| Security certifications | "Our systems are SOC 2 Type II compliant, covering Trust Service Criteria for Security & Availability." ISO 27001 not stated on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: tink.com, tink.com, tink.com, tink.com, tink.com.
A UK open banking API platform for bank payments and account data, with strong business account coverage. It publishes 2,000 banks in 19 countries, VRP and bulk payments, and UK and Lithuanian licences with numbers. It does not publish prices or security certifications on the pages read.
| Bank coverage | "Explore over 2,000 institutions directly integrated in 19 countries", "with the majority of banks covered in the UK and Germany". |
| Product range | Products listed: Payments, Variable Recurring Payments, Commercial VRP, Bulk Payments, Data, Data Plus and Validate. |
| Pricing | "Tailored pricing for every business"; "Let's talk". No prices published. |
| Regulatory standing | "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 | 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. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.yapily.com, www.yapily.com, www.yapily.com, www.yapily.com.
A Swedish pay by bank provider with its own open banking connections in Europe, the UK and North America. It publishes 12,000+ banks in 30+ countries, payments, payouts and data products, SDKs for apps and web, and Swedish and UK licences. It does not publish prices or security certifications on the pages read.
| Bank coverage | "connects you to 12,000+ banks worldwide with just one API"; "110M+ users across 30+ countries". |
| 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. |
| Pricing | Not published on the pages read. |
| 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. |
| Integration | One API with documentation; "SDK Reference Android, iOS, React Native, Web"; merchant portal. |
| Security certifications | Not published on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.trustly.com, www.trustly.com.
An open banking platform for account data and bank payments, with compliance tools for banks. It publishes the widest country coverage in this edition, payouts and refunds, self-serve API keys and ISO 27001. It publishes a UK licence number but no EU licence details or prices on the pages read.
| Bank coverage | "Connect to over 5,000 financial institutions across 50+ countries through one unified platform." |
| Product range | Data Aggregation, Data Enrichment, Financial Insights, Pay by bank ("Pay with any bank from Europe & UK"), Bulk Payments and "Instant payouts and refunds". VRP not named on the pages read. |
| Pricing | Pricing page could not be opened (page not found). Not published on the pages read. |
| Regulatory standing | Salt Edge Limited, "registered in England and Wales (#11178811) and authorized by the FCA (#822499)"; homepage states "PSD2-licensed". |
| Integration | "Get API keys" self-serve; Account Information and Payment Initiation docs, dashboard and TPP developer portal. |
| Security certifications | "We are ISO 27001-certified". |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.saltedge.com.
A UK bank payments provider that combines direct debit with open banking pay by bank, recurring pay by bank and account data. It publishes UK bank coverage, an FCA registration number, ISO 27001 since 2016 and 350+ software integrations. Its pricing page could not be read, and it does not publish an EU licence on the pages read.
| Bank coverage | "GoCardless has connections with over 100 of the biggest banks in the UK, and covers roughly 99% of consumer and business accounts." |
| Product range | One-off pay by bank, Recurring Pay by Bank ("Our open banking-powered feature, Pay by Bank, now supports recurring" payments), outbound payments ("Send payments instantly"), and account information after acquiring Nordigen "to expand its AIS coverage across Europe". |
| Pricing | Pricing page could not be read at the date of reading. |
| Regulatory standing | "GoCardless Ltd (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017, registration number 597190". |
| Integration | "350+ integrations" including Xero, QuickBooks and Zuora; API integrations; online sign-up. |
| Security certifications | "ISO27001 certified since 2016". |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: gocardless.com, gocardless.com.
A UK-founded network for real-time account-to-account payments, refunds and payouts. It publishes 2,500 banks in 31 territories and licences with numbers from UK, Polish and Australian regulators. It does not publish account data products, VRP, prices or security certifications on the pages read.
| Bank coverage | "Banks connected 2500", "Territories plugged in 31", "Bank accounts covered 618 M". |
| Product range | Instant Payments, Refunds ("real-time refunds, direct to their bank account"), Payouts ("real-time, on-demand payouts"), Volt Accounts, Virtual IBANs and Verify. Account data and VRP not named on the pages read. |
| Pricing | Not published on the pages read. |
| Regulatory standing | Volt Technologies Limited, FCA EMI, Firm Reference Number 982594; Volt Technologies Holdings Limited, FCA payment institution, FRN 925340; Polish entity, KNF National Payment Institution ID 635816; Volt Connect Pty Ltd, ASIC licence number 700107. |
| Integration | "One integration to a world of real-time payments"; codeless connection through the Primer dashboard (customer quote). No API documentation on the pages read. |
| Security certifications | Not published on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.volt.io, www.volt.io.
A Hong Kong provider of bank payment collection and account data across Asian markets. It publishes a flat per-transaction price, 164 connected banks in six countries, payouts and recurring collection, and developer tools. It does not publish licences or security certifications on the pages read.
| Bank coverage | About page: "164 ASIAN BANKS CONNECTED", "06 COUNTRIES COVERED"; payments: "Asia coverage (HK, SG, MY, KR)". |
| Product range | Collect API for one-off and recurring bank payments by mandate, payouts ("automate your collections and payouts"), and Bank Data API for "real-time financial account information". |
| Pricing | Payments: "0.5 % per transaction", "No setup, or hidden fees". Bank Data API: "Pay as you go" with no price shown; volume pricing custom. |
| Regulatory standing | Not published on the pages read. |
| Integration | "easy to use APIs and webhooks", developer portal and documentation, Collect on Xero, "Free trial period available". |
| Security certifications | Not published on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.finverse.com, www.finverse.com, www.finverse.com.
An Australian open banking data platform, owned by Cuscal, that reads account data under the Consumer Data Right (Australia's open banking law). It publishes per-user prices, 135+ connected institutions, a sandbox and its accreditation number. It serves Australia only, its platform access fee is not published, and payments and security certifications are not detailed on the pages read.
| Bank coverage | "Connect to 135+ banks and financial institutions in Australia"; data from banks, superannuation and energy providers. Australia only. |
| Product range | Customer data, data enrichment and affordability, income and expense reports; homepage refers to "the power of payments and data" with parent Cuscal. Bank payments, VRP and payouts not detailed on the pages read. |
| Pricing | Customer data "$0.50 per user / month" "+ Platform access fee"; data enrichment "$0.25 per user / month"; affordability report "from $3.00 per report"; startup programme "$250/month for up to 6 months" (reduced rate). |
| Regulatory standing | "Basiq Pty Ltd is an accredited data recipient under the Consumer Data Right (accr. # ADRBNK000208)". |
| Integration | "Our intuitive sandbox allows you to test your apps before going live"; API with code samples; dashboard with a no-code report option; "Get started" sign-up. |
| Security certifications | Data security page describes "bank grade security" and encryption; no certification named. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.basiq.io, www.basiq.io, www.basiq.io.
A UK pay by bank network that states it handles almost half of all UK pay by bank payments. It publishes all four product types and its FCA licence number. Its pricing and security pages could not be opened at the date of reading, and it does not publish bank or country counts on the pages read.
| Bank coverage | "+30M Consumers in the TrueLayer Network"; "Handling almost half of all UK Pay by Bank payments". No bank or country count on the pages read. |
| Product range | Pay by Bank; Bank on File for "subscriptions, bills and one-click payments"; sweeping payments described as "part of variable recurring payments"; Verified Payouts and refunds sent "in seconds"; "real-time Data API add-on". |
| Pricing | Pricing page could not be opened at the date of reading (page not found). |
| Regulatory standing | "TrueLayer is authorised and regulated by the UK Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011 (Firm Reference Number: 901096)." |
| Integration | "Create an account now to explore our APIs"; single API. SDKs and sandbox not confirmed on the pages read. |
| Security certifications | Security page could not be opened at the date of reading. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: truelayer.com.
A UK pay by bank infrastructure provider used by banks and payment gateways, including HSBC, BNP Paribas and Global Payments. It publishes all four product types and UK and German licences with numbers. It does not publish bank or country counts, prices, developer tools or security certifications on the pages read.
| Bank coverage | "Instant, easy to use payments for nearly anyone with a bank account in the UK & Europe." No bank or country count on the pages read. |
| Product range | Payments, Variable recurring payments ("One-click, recurring and automated bank payments"), Payouts ("Real-time payouts and withdrawals") and Data. |
| Pricing | Not published on the pages read. |
| Regulatory standing | "Token.io Ltd. is authorised by the UK's Financial Conduct Authority to provide Payment Initiation Services and Account information Services under Reference number: 795904." Token GmbH authorised by BaFin and the Bundesbank "under ID number: 158595". |
| Integration | Not published on the pages read. |
| Security certifications | Not published on the pages read. |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.token.io.
A Southeast Asian open finance platform offering money-in, disbursement and banking APIs. It publishes six markets, 80+ connected institutions and ISO 27001. It does not publish prices, licences or a full product list for account data and recurring payments on the pages read.
| Bank coverage | About page: "80+ Financial institutions and partners integrated", "6 Markets". |
| Product range | Direct (Money-in) API for fund transfers and payments; disbursement to "send money to anyone, send in bulk or individually"; lending and banking APIs. Account data and VRP not detailed on the pages read. |
| Pricing | Not published on the pages read. |
| Regulatory standing | Not published on the pages read; homepage states it complies "with open banking and geo-specific regulatory standards". |
| Integration | APIs and online sign-up; "certified implementation" partners. |
| Security certifications | "We are ISO27001 certified, PCI-DSS compliant". |
| Date read | Read 26 October 2026 |
Facts read on 26 October 2026 from: www.brankas.com, www.brankas.com.
The index is paid for by nobody.
No provider pays to be assessed, listed or ranked, and there are no sponsored places. Providers do not apply: BCC selects the providers a business is likely to consider and scores them from their own pages. Any provider may ask to be assessed; the request changes nothing about the score.
Every figure is read from the provider's own pricing, product, legal or help page on the date shown. Providers may send corrections to [email protected]; a correction changes the page only where the provider's own page supports it. Every provider is re-read monthly and a new edition is published each October.
Banks offering pay by bank only to their own customers, payment gateways that resell another provider's open banking connection without their own licence, consumer budgeting apps and card-based payment providers are left out. Direct debit is assessed only where it sits alongside open banking products. Providers that sell only to banks, such as bank-side compliance platforms, are not ranked on those products.
Ranked providers may show the index badge on their own site.
The badge is free. The one condition is that it links to this page, so that a reader can check the score and the method behind it. It is withdrawn if the link is removed or the provider leaves the index.
Embed: <a href="https://www.buckinghamcapitalconsulting.com/open-banking-index"><img src="https://www.buckinghamcapitalconsulting.com/assets/bcc-open-banking-index-2026.svg" alt="Ranked in the Buckingham Capital Consulting Open Banking and Account-to-Account Payments Index 2026" width="300"></a>
Nobody. No provider pays to be assessed, listed or ranked.
It is a payment that moves money directly from the customer's bank account to the business's bank account, without a card. With open banking the customer approves it in their own banking app, and in the UK it usually travels over Faster Payments and arrives in seconds.
It is a standing permission the customer gives once, through their bank, for a business to take repeat payments of varying amounts within agreed limits, for example a monthly bill. It works like a direct debit but runs on instant payment rails.
To read account data or start a payment, a provider must be licensed as an account information or payment initiation service provider. A firm that relies on a provider must be able to show its regulator that licence, so a published licence number for each region counts in full.
Most open banking providers price by volume and use case and ask buyers to contact sales. The index scores published prices only, because a business cannot plan on an unpublished price.
No. The index compares published facts and is not a recommendation to use a particular provider.
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