Best Open Banking Providers
Compare account-to-account and open banking payment providers.
| Vendor | Pricing model | Payment types | Speed | UK coverage | Recurring (VRP)? | Best for |
|---|---|---|---|---|---|---|
| GoCardless | Per-transactionfrom 1% + 20p; custom enterprise | Direct Debit, Instant Bank Pay, A2A | Instant (IBP) / 3 days (DD) | Strong | Yes (VRP) | Subscription billing, SaaS, utilities |
| TrueLayer | Usage-based custom | Pay-ins, payouts, data | Instant | Strong | Yes (VRP) | Fintech, lending, crypto on/off-ramp |
| Plaid | Usage-based custom | Account linking, data, ACH (US) | Varies (bank rails) | Partial | Limited | US-first; account verification, lending |
| Token.io | Custom B2B | A2A pay-in/out, VRP | Instant | Yes | Yes | Enterprise A2A at scale |
| Volt | Usage-based custom | Real-time A2A, global network | Instant | Yes | Developing | Global merchants replacing cards |
| Brite Payments | Custom | Instant pay-in/payout, A2A | Instant | Yes | No | iGaming, lending, gig economy payouts |
| Kevin | Custom | A2A in-store + online | Instant | EU-primary | Developing | In-store open banking (retail terminals) |
| Ecospend | Custom | A2A pay-in, HMRC, refunds | Instant | Strong (HMRC partner) | No | Government, tax, high-value A2A |
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