GoCardless vs Yapily: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 47 countries of bank coverage), and they overlap on 45 shared markets.
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GoCardless vs Yapily at a glance
| GoCardless | Yapily | |
|---|---|---|
| Headquarters | GB | GB |
| Market focus | Multi-region | Multi-region |
| Countries covered | 54 | 47 |
| Institutions tracked | 2,228 | 445 |
| Account data (AIS) | ||
| Payments (PIS) | ||
| Verification | ||
| Regulated | FCA | FCA, Bank of Lithuania, PSD2 |
| Sandbox | ||
| Pricing model | Payments: pay-as-you-go per transaction (published); Bank Account Data: freemium (free AIS) | Custom / sales-negotiated by business stage and volume |
| Free production tier | — | |
| Developer portal | ||
| Sources | ||
| View GoCardless | View Yapily |
GoCardless vs Yapily: bank coverage overlap
GoCardless and Yapily share 45 markets where both connect to banks. GoCardless additionally reaches 9 markets Yapily does not (AE, BD, BS, GI, KY, MC, RU, UK…), while Yapily reaches 2 markets GoCardless does not (ID, TL).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose GoCardless if…
- you need the widest country coverage (54 markets)
- you want the largest number of connected institutions (2,228)
- you prefer a provider headquartered in the United Kingdom
Choose Yapily if…
- you prefer a provider headquartered in the United Kingdom
Frequently asked questions
What is the difference between GoCardless and Yapily?
GoCardless vs Yapily: both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). GoCardless has the broader connectivity footprint (54 vs 47 countries of bank coverage), and they overlap on 45 shared markets.
Which has wider bank coverage, GoCardless or Yapily?
GoCardless has wider coverage, reaching 54 countries versus 47 for Yapily. They overlap on 45 shared markets.
Can I use both GoCardless and Yapily?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both GoCardless and Yapily expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.