Plaid and Yapily coverage compared by country
Plaid and Yapily share 8 capabilities in Unirail's catalogue, including account details, balances and transactions. They reach 18 countries in common. In total, Plaid covers 21 capabilities in 37 countries and Yapily covers 10 in 18 countries. Unirail routes to both today.
Plaid
IntegratedOpen banking provider
21 capabilities 37 countries
Plaid links bank accounts, starts UK payments, sets up VRP consents and verifies identity through Plaid Link.
Yapily
IntegratedOpen banking provider
10 capabilities 18 countries
Yapily links accounts and makes single immediate payments across UK banks, using Unirail's own bank picker.
Capabilities side by side
Each cell shows how many countries a provider covers for that capability. Pick a country to see whether each one offers it there.
| Capability | Plaid | Yapily |
|---|---|---|
| Banking | ||
| Account details | 20 countries, routed in the United Kingdom | 18 countries, routed in the United Kingdom |
| Balances | 20 countries | 18 countries |
| Transactions | 20 countries | 18 countries |
| Account insights | 20 countries | 18 countries |
| Single payments | 18 countries, routed in the United Kingdom | 18 countries, routed in the United Kingdom |
| Scheduled payments | 1 country | Not offered |
| Sweeping VRP | 1 country, routed in the United Kingdom | 1 country |
| Commercial VRP | 1 country | 1 country |
| Bulk payments | Not offered | 1 country |
| Payouts | 15 countries | Not offered |
| Virtual accounts | 14 countries | Not offered |
| Direct debits | 1 country | Not offered |
| Verification | ||
| Verification of Payee | Not offered | 13 countries |
| Account ownership | 20 countries, routed in the United Kingdom | 1 country, routed in the United Kingdom |
| Micro-deposits | 1 country | Not offered |
| Identity | ||
| ID document check | 37 countries, routed in the United Kingdom | Not offered |
| Selfie and liveness | 37 countries, routed in the United Kingdom | Not offered |
| Database check | 24 countries, routed in the United Kingdom | Not offered |
| Identity prefill | 1 country | Not offered |
| Compliance | ||
| Sanctions screening | 37 countries | Not offered |
| PEP screening | 37 countries | Not offered |
| Risk | ||
| Return risk | 1 country | Not offered |
| Fraud signals | 1 country | Not offered |
- Unirail routes it in at least one country
- Listed from the provider's documentation
Countries side by side
Each row shows how many capabilities each provider offers in that country. 18 countries have both providers and 19 have only one.
| Country | Plaid | Yapily |
|---|---|---|
| United Kingdom GB | ||
| Austria AT | ||
| Belgium BE | ||
| Bulgaria BG | None | |
| Croatia HR | None | |
| Cyprus CY | None | |
| Czechia CZ | None | |
| Denmark DK | ||
| Estonia EE | ||
| Finland FI | ||
| France FR | ||
| Germany DE | ||
| Greece GR | None | |
| Hungary HU | None | |
| Iceland IS | ||
| Ireland IE | ||
| Italy IT | ||
| Latvia LV | ||
| Liechtenstein LI | None | |
| Lithuania LT | ||
| Luxembourg LU | None | |
| Malta MT | None | |
| Netherlands NL | ||
| Norway NO | ||
| Poland PL | None | |
| Portugal PT | ||
| Romania RO | None | |
| Slovakia SK | None | |
| Slovenia SI | None | |
| Spain ES | ||
| Sweden SE | ||
| United States US | None | |
| Canada CA | None | |
| Australia AU | None | |
| Hong Kong HK | None | |
| Japan JP | None | |
| Singapore SG | None |
Route payments between Plaid and Yapily
Unirail routes to Plaid and Yapily today. With both connected, each decision compares them for the job and the country by cost under your contracts, ETA and success likelihood. It names one and ranks the other as the alternative. If one of them can't take a payment, the decision rules it out and gives the reason.
Both can be routed today for account details in the United Kingdom, single payments in the United Kingdom and account ownership checks in the United Kingdom.
Deals stores each provider contract with its fees, volume tiers and renewal date next to live routing data. You can see what switching would save before you renegotiate.
- Plaid, sweeping VRP: On by default in the sandbox; production needs Plaid to enable VRP and reusable payments switched on for the connection.
- Plaid, account ownership checks: Unirail records the account as verified because the user linked it themselves (own link).
- Yapily, single payments: Capped at £15,000 per payment under Yapily Connect (catalogue note, not yet verified against a source).
- Yapily, account ownership checks: Unirail records the account as verified because the user linked it themselves (own link).
Onboarding, custody and regulation
These come from each provider's catalogue entry. Check the current terms with the provider before you sign.
| Plaid | Yapily | |
|---|---|---|
| Kind | Open banking provider | Open banking provider |
| In Unirail | Integrated (connect it in the dashboard) | Integrated (connect it in the dashboard) |
| Who holds the money | No one holds the money | No one holds the money |
| Account types | UK sort code and account number | UK sort code and account number, IBAN |
| Sandbox | Self-serve sandbox | Self-serve sandbox |
| Production | Production by contract with the provider | Production by contract with the provider |
| Onboarding notes | Production Payment Initiation needs Plaid's approval of the use case; VRP is enabled separately. | Under Yapily Connect, Yapily is the regulated party and the platform shows Yapily's disclosure. The catalogue lists a £15,000 cap per payment, not yet verified against a source. |
| Regulated party | Plaid is the PISP and AISP; the platform contracts with Plaid directly. | Yapily (Yapily Connect: FCA 827001 in the UK, Bank of Lithuania LB002045 in the EU) or the platform's own licence. |
Sources
Each provider's coverage comes from the pages below, with the date each was read. Integrated rows come from Unirail's Plaid and Yapily adapters.
Plaid
- plaid.com/docs/auth/coverage Checked 8 October 2026 Account details, Micro-deposits
- support.plaid.com/hc/en-us/articles/27895826947735 Checked 8 October 2026 Balances, Transactions, Account insights
- plaid.com/docs/payment-initiation Checked 8 October 2026 Single payments, Scheduled payments
- plaid.com/blog/commercial-variable-recurring-payme… Checked 8 October 2026 Commercial VRP
- plaid.com/docs/api/products/virtual-accounts Checked 8 October 2026 Payouts, Virtual accounts
- plaid.com/docs/transfer Checked 8 October 2026 Payouts, Direct debits
- plaid.com/docs/identity Checked 8 October 2026 Account ownership
- plaid.com/docs/identity-verification Checked 8 October 2026 ID document check, Selfie and liveness, Database check
- plaid.com/docs/layer Checked 8 October 2026 Identity prefill
- plaid.com/docs/monitor Checked 8 October 2026 Sanctions screening, PEP screening
- plaid.com/docs/signal Checked 8 October 2026 Return risk
- plaid.com/products/protect Checked 8 October 2026 Fraud signals
Yapily
- yapily.com/product/open-banking-country-coverage Checked 8 October 2026 Account details, Balances, Transactions, Account insights
- docs.yapily.com/payments/payment-resources/europea… Checked 8 October 2026 Single payments, Bulk payments
- docs.yapily.com/payments/vrps/coverage Checked 8 October 2026 Sweeping VRP, Commercial VRP
- docs.yapily.com/payments/payment-resources/verific… Checked 8 October 2026 Verification of Payee