Best Open Banking Payment Platforms in 2026
Updated
In short: TrueLayer Data API is ranked #1 of 22 as of 4 October 2026, ahead of Trustly and Volt. The lowest first paid tier on this page is Google Apigee at $13/mo.
Open banking payment platforms connect bank accounts to payment flows, and the right comparison depends on what your transactions require. Check how entries handle bank authentication, payment frequency, webhooks and refunds, alongside settlement speed and supported countries. Free-plan availability and “Paid from” add cost context as you consider the markets and payment processes you need to support. The ranking opens with TrueLayer Data API, Trustly and Volt, followed by Fire Payments API and TrueLayer Payments. Noda, Plaid and Salt Edge Payment Initiation are also included. Compare the stated capabilities with your requirements for authentication, transaction handling and geographic coverage.
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 TrueLayer Data API Top pick · 7.1 Free plan · Free
#2 Trustly Runner-up · 6.6 
#3 Volt Also great · 6.6 
- Free plan AndroidapiiOSWeb
- Free plan
- No
RecognisedDocumentedFree planPlatforms - AndroidapiiOSWeb
- Bank authentication
- both
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - AndroidapiiOSWeb
- Bank authentication
- both
- Payment frequency
- both
RecognisedDocumentedFree planPlatforms - AndroidapiiOSWeb
- Free plan
- No
- Supported countries
- 2 countries
- Bank authentication
- redirect
- Payment frequency
- both
RecognisedDocumentedFree planPlatforms - AndroidapiiOSWeb
- Free plan
- No
- Bank authentication
- both
- Payment frequency
- both
RecognisedDocumentedFree planPlatforms - apiWebRecognisedDocumentedFree planPlatforms
- apiWeb
- Bank authentication
- redirect
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - Free trial AndroidapiiOSWeb
- Free plan
- No
RecognisedDocumentedFree planPlatforms - apiWeb
- Bank authentication
- redirect
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - AndroidiOSWeb
- Supported countries
- 27 countries
- Bank authentication
- both
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
RecognisedDocumentedFree planPlatforms$13/mofirst paid tier About Google ApigeeVisit site - apiWeb
- Free plan
- No
- Bank authentication
- redirect
- Payment frequency
- both
RecognisedDocumentedFree planPlatforms - apiWeb
- Free plan
- No
- Bank authentication
- both
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - Web
- Bank authentication
- redirect
- Payment frequency
- one_off
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - AndroidapiiOSWeb
- Bank authentication
- redirect
- Payment frequency
- both
RecognisedDocumentedFree planPlatforms - Web
- Bank authentication
- redirect
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Bank authentication
- redirect
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planPlatforms - WebRecognisedDocumentedFree planPlatforms
- Web
- Free plan
- No
RecognisedDocumentedFree planPlatforms - RecognisedDocumentedFree planPlatforms
- WebRecognisedDocumentedFree planPlatforms
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which open banking payment platform is ranked first on Everything Xiaomi?
TrueLayer Data API is ranked #1 of 22 with a score of 7.1. Trustly is second and Volt 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, Google Apigee has the lowest first paid tier we found: $13/mo.
How is this list ranked?
Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.