Ozone API Pricing (2025) – Cost Breakdown for UK Firms

Note: All pricing insights in this article are based on publicly available information from Ozone API’s official resources as of May 2025.

UK-regulated firms that rely on Open Banking must think beyond API performance. The pricing model behind your infrastructure can determine how quickly you scale, what costs remain predictable, and how much support you receive when regulatory complexity kicks in.

Ozone API has become a recognised player among platforms supporting AISP and PISP use cases. Positioned more toward banks, financial institutions, and platforms that need regulatory compliance built into their Open Banking stack, Ozone provides a framework to launch and maintain compliant Open Banking services.

But what does it cost? And what should you expect when budgeting for Ozone API?

This guide breaks down the core pricing structure, typical cost factors, and what businesses in the UK should know before getting started.

What Is Ozone API?

Ozone API provides a platform for building, managing, and maintaining Open Banking infrastructure. While it’s commonly used by banks and regulated entities, it’s also a relevant option for fintechs and service providers that need to offer AISP or PISP capabilities in a compliant way.

The platform supports:

• Account Information (AISP)
  Access to user-permissioned data across UK bank accounts
• Payment Initiation (PISP)
  Secure API-triggered bank transfers from customer accounts
• Regulatory Compliance Support
  Designed to help firms meet PSD2, CMA9, and UK-specific Open Banking standards
• Sandbox Environment
  Full access to testing tools and simulated API journeys for integration and QA

Ozone’s platform is often selected by regulated firms that want to minimise their internal compliance workload and avoid building core API layers from scratch.

📚 Open Banking AISP vs PISP explained

How Ozone API Structures Its Pricing

Ozone API offers custom pricing based on the type of entity using the platform, the regulatory roles involved (AISP, PISP, or both), and the integration support required. Unlike developer-first API providers that charge per call, Ozone positions its pricing around platform access, compliance tooling, and institutional readiness.

Their model is designed to reflect the needs of UK-regulated entities—banks, EMIs, credit unions, and other authorised firms building Open Banking access points.

While specific figures are not publicly available, the pricing structure typically includes:

Platform Access Fees

This is the baseline cost for using Ozone’s production environment. It may vary depending on your institution type, the number of users or endpoints required, and which regulatory roles your business covers.

Access Component	Description
AISP or PISP Licensing Scope	Platform pricing may vary based on whether you need data access (AISP), payment initiation (PISP), or both
Production Deployment	Includes access to live API endpoints, version updates, and ongoing availability support
Support Tier	May be tiered based on SLA, response time, and whether you require integration assistance

Sandbox & Testing Environment

Ozone API includes sandbox access for all customers, allowing development teams to simulate API journeys, test regulatory scenarios, and validate third-party integrations before going live.

Environment Type	Coverage
Developer Sandbox	Access to mock accounts, transactions, and PISP flows
Regulatory Testing	Simulates PSD2-compliant flows with UK-specific response behaviour
Pre-Production Testing	Optional staging support may be offered for large implementations

Compliance Support and Additional Costs

For many regulated firms, pricing is only part of the equation. The real consideration lies in how well your Open Banking infrastructure supports ongoing compliance, audit requirements, and evolving regulatory expectations.

Ozone API positions itself as a compliance-first platform, meaning much of its value is built into tools, documentation, and monitoring features designed for regulated institutions.

Here are common areas where additional costs may apply or where value is delivered through included features:

Regulatory Coverage & Support

Ozone includes tooling to help clients remain compliant with:

• UK Open Banking specifications (OBIE standards)
• PSD2 and RTS requirements under the FCA
• CMA9 implementation mandates (for banks and building societies)

Features often include:

• Consent dashboards
• Audit logs
• Fraud prevention hooks
• Documentation aligned with FCA reporting expectations

Depending on your regulatory scope, you may need higher service tiers to include extended reporting capabilities or role-based permission controls for large teams.

Additional Charges to Consider

While the base platform fee covers essential services, the following areas may involve additional charges:

Area	Description
Advanced Reporting	Optional analytics or compliance dashboards with enhanced visualisation tools
Custom Integration Support	One-off or retainer-based access to engineering support during complex builds
Service Level Agreements (SLAs)	Higher availability and response time guarantees may be priced into premium plans
Branding or White-Label Options	Some institutions opt for branded interfaces or tailored consent screens, which may incur setup costs

These elements are typically customised depending on the organisation’s regulatory obligations, integration complexity, and number of connected partners.

Is Ozone API a Cost-Effective Option for Your Business?

The value of the Ozone API depends on how your business is set up and what you’re looking to achieve with Open Banking. If you’re a UK-regulated firm that needs both infrastructure and compliance tools in one place, Ozone offers a solid foundation.

Rather than charging per API call, Ozone structures pricing around platform usage, licensing scope, and the type of support you require. This model works well for banks, EMIs, and authorised providers who prefer predictable platform access over transactional pricing.

That said, the model may not suit everyone. If you’re running a lightweight integration or only need specific endpoints like account verification or consent management, the upfront investment may feel high, especially for startups or low-volume firms.

Here are a few questions to consider before moving forward with Ozone:

• Do you need both AISP and PISP access, or just one?
• Will your team benefit from built-in audit trails, sandbox testing, and regulatory reporting tools?
• Are you looking for a fully managed Open Banking environment or more flexibility with pricing?

If your use case requires long-term regulatory alignment and access to Open Banking infrastructure built around UK and PSD2 compliance, Ozone API may be a good fit. But it’s important to review the platform’s commercial terms and request a full breakdown of what’s included before committing.

Need Complete Open Banking Infrastructure Without Complex Pricing?

Many UK businesses today need direct access to bank data, account verification, or real-time payments. From accounting firms and finance platforms to regulated service providers, the demand for Open Banking is growing, but not everyone wants to deal with high setup costs or enterprise-level contracts.

Finexer provides the full Open Banking infrastructure, including AISP and PISP capabilities, in a more affordable and flexible model.

Here’s what Finexer includes:

• Full FCA-authorised API access to 99% of UK banks
• Usage-based pricing with no setup fees or hidden costs
• 2 to 3 times faster integration timelines compared to traditional providers
• Unlimited sandbox access for testing and development
• Built-in features like consent tracking, webhook alerts, and audit logs
• Savings of up to 90% on transactional costs compared to legacy methods

For businesses looking to integrate Open Banking into their workflows without unnecessary friction, Finexer offers a faster, leaner way to get started.