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 Plaid and Trustly. The lowest first paid tier on this page is Google Apigee at $13/mo.
Open banking payment platforms are designed around bank-connected payment flows. The 22 ranked entries can be compared on bank authentication, payment frequency, webhooks and refunds, along with settlement speed and supported countries. Free-plan availability and “Paid from” provide further context as you assess cost and access. TrueLayer Data API, Plaid and Trustly appear first, followed by Volt and Fire Payments API; Noda and Salt Edge Payment Initiation are also among the entries shown. Check the published country coverage against the markets you serve, and weigh the listed transaction, settlement and refund capabilities against the payment flows you need.
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 · 7.2 Free plan · Free
#2 Plaid Runner-up · 6.9 
#3 Trustly Also great · 6.6 
- Free plan AndroidapiiOSWeb
- Free plan
- No
RecognisedDocumentedFree planFree trialPlatforms - Free trial AndroidapiiOSWeb
- Free plan
- No
RecognisedDocumentedFree planFree trialPlatforms - AndroidapiiOSWeb
- Bank authentication
- both
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - AndroidapiiOSWeb
- Bank authentication
- both
- Payment frequency
- both
RecognisedDocumentedFree planFree trialPlatforms - apiWebRecognisedDocumentedFree planFree trialPlatforms
- AndroidapiiOSWeb
- Free plan
- No
- Supported countries
- 2 countries
- Bank authentication
- redirect
- Payment frequency
- both
RecognisedDocumentedFree planFree trialPlatforms - apiWeb
- Bank authentication
- redirect
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - apiWeb
- Bank authentication
- redirect
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - AndroidapiiOSWeb
- Free plan
- No
- Bank authentication
- both
- Payment frequency
- both
RecognisedDocumentedFree planFree trialPlatforms - AndroidiOSWeb
- Supported countries
- 27 countries
- Bank authentication
- both
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - apiWeb
- Free plan
- No
- Bank authentication
- redirect
- Payment frequency
- both
RecognisedDocumentedFree planFree trialPlatforms - Web
- Free plan
- No
RecognisedDocumentedFree planFree trialPlatforms$13/mofirst paid tier About Google ApigeeVisit site - apiWeb
- Free plan
- No
- Bank authentication
- both
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - Web
- Bank authentication
- redirect
- Payment frequency
- one_off
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - AndroidapiiOSWeb
- Bank authentication
- redirect
- Payment frequency
- both
RecognisedDocumentedFree planFree trialPlatforms - Web
- Bank authentication
- redirect
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - Web
- Free plan
- No
- Bank authentication
- redirect
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - WebRecognisedDocumentedFree planFree trialPlatforms
- Web
- Free plan
- No
- Payment frequency
- both
- Settlement speed
- instant
RecognisedDocumentedFree planFree trialPlatforms - Web
- Free plan
- No
RecognisedDocumentedFree planFree trialPlatforms - RecognisedDocumentedFree planFree trialPlatforms
- WebRecognisedDocumentedFree planFree trialPlatforms
Is your platform 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 The Geeks Club?
TrueLayer Data API is ranked #1 of 22 with a score of 7.2. Plaid is second and Trustly 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 how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on. Paid placements never change a rank.