If you’re comparing Fabrick with other open banking platforms, you’re likely deciding between two different approaches to building financial products.
One model centres on a platform or marketplace that gives you access to a network of banking, payments, and financial services through a single commercial and technical layer. The other focuses on infrastructure and provides direct, regulated connectivity to banks so you can design and operate your own data and payment flows end to end.
Fabrick is commonly positioned in the first category, with a marketplace-style offering and a strong footprint in Italy and Southern Europe.
This guide looks at four alternatives to Fabrick, focusing on how each platform supports data access, payment initiation, and cross-border scaling across the UK and Europe.
Looking for infrastructure that lets you design your own data and payment flows? Speak with a Yapily expert about your roadmap.
How to evaluate a Fabrick alternative
Instead of starting with feature lists, it can be useful to look at how each provider structures its role in your product stack.
1. Are you buying a platform or building on infrastructure?
Some providers act as an aggregation layer, bundling services, partners, and commercial relationships. Others provide regulated APIs and bank connectivity that you build on directly. The right choice depends on how much control you want over user experience, data flows, and payment logic.
2. What does European coverage look like in practice?
Coverage can mean depth in a small number of markets or lighter connectivity across many. Look at which countries are live today, how often connections are maintained, and how expansion is supported operationally.
What are the top Fabrick alternatives in the UK and Europe?
1. Yapily
Yapily is an open banking API platform focused on UK and European connectivity for both account data (AIS) and payment initiation (PIS).
Its platform is positioned around direct integration to banks rather than a marketplace model. This gives product teams more control over how data and payments are embedded into their own applications.
Key areas teams typically assess:
Coverage footprint: Integrations with 2,000+ banks and financial institutions across 19 countries in the UK and Europe.
Data layer: Transaction categorisation, merchant enrichment, and recurring transaction indicators through Yapily Data Plus.
Payment capability: Support for Pay by Bank, scheduled payments, and bulk payments alongside account data access.
Regulatory access model: Yapily Connect for organisations that want to access AIS and PIS without holding their own TPP permissions.
2. Tink (a Visa subsidiary)1
Tink provides account data access and related tools via APIs, alongside Personal Finance Management (PFM) products such as Money Manager.
Since its acquisition by Visa in 2022, Tink operates as part of a broader payments and data ecosystem. This can be relevant for organisations already working with card networks or global payment providers.
Tink is often considered by teams that want a combination of open banking connectivity and consumer-facing financial tooling layered on top.
3. Salt Edge2
Salt Edge offers an open banking and open finance platform covering account information, payment initiation, and compliance tooling.
It also promotes a partner access model for organisations that prefer not to obtain their own PSD2 licences or eIDAS certificates, instead connecting under Salt Edge’s regulatory framework in supported markets.
Salt Edge’s coverage includes European markets and selected non-European regions. This makes it a common option for teams operating across multiple regulatory environments.
Choose Yapily as your Fabrick alternative
Yapily is designed for teams that want to own their data and payment flows directly.
For organisations focused on scaling across the UK and Europe, and moving between data and payments without changing providers, a single integration path can simplify both product development and regulatory planning.
Want to walk through how this would look for your product? Talk to a Yapily expert and get a tailored integration overview
As far as Yapily is aware, the information presented in this article is correct as of 12/10/2026 and has been derived from publicly available sources. Yapily has not undertaken any further investigation or qualification of any information stated in this article to verify the accuracy of information taken from public sources. The data has been sourced directly from the following sources as of 12/10/2026
Sources
1 https://tink.com/
2 https://www.saltedge.com/