Yaspa or Zimpler? A Practical Guide for UK Companies in 2025

Choosing a payment provider isn’t just about speed, it’s about how well that provider fits into the way your business works. Yaspa and Zimpler are both recognised players in the open banking space, but they focus on different challenges.

Yaspa is built around verification and control, offering tools that help businesses stay compliant in sectors where risk is high. Zimpler, on the other hand, focuses on speed and simplicity, particularly in mobile-first industries.

This blog breaks down what each provider offers, where they shine, and where they fall short, so you can decide which is more suitable for your business. We’ll also show you why some UK businesses are choosing a third option like Finexer, especially when local reach, pricing, and setup speed matter most.

What Is Yaspa?

Yaspa is a UK-based payment provider focused on more than just transactions. It’s designed for businesses that need to understand their customers before moving money, from identity checks to affordability assessments.

This makes it a strong fit for industries like consumer lending, online gambling, and marketplaces where verifying users is part of the process. With Yaspa, businesses can combine payments with real-time checks that flag issues before a transaction goes through.

Some of its most used tools include:

• Account-to-account (A2A) payments
• vIBANs for tracking transactions
• Built-in checks for risk and affordability
• Payout tools that allow fast settlements to verified users

Yaspa is also FCA-authorised, meaning it aligns closely with UK regulatory standards—something especially important for businesses working in sensitive or regulated sectors.

What Is Zimpler?

Zimpler began as a mobile payments provider and has since shifted into open banking. Based in Sweden, it’s now commonly used by businesses that prioritise fast payments, particularly in iGaming, investing apps, and digital platforms with high transaction volumes.

Its user experience is built for speed. Zimpler’s flows require fewer steps, making it easier for users to deposit or withdraw money, especially from a phone or app interface.

Core features of Zimpler include:

• Instant bank transfers across select European markets
• Zimpler GO, a tool that combines sign-up, identity verification, and payment into one process
• Support for Swish in Sweden for fast, local transfers
• Virtual wallets for returning users

Zimpler is best suited for businesses that want fast processing with minimal friction, and are operating in markets like the Nordics or Brazil where it has a strong presence.

Payment Experience: Fast Payments, But Built Differently

Both Yaspa and Zimpler offer real-time bank transfers, but they take very different paths to get there.

Yaspa blends payments with identity checks and risk controls. Each transaction can include steps that verify whether the user is who they claim to be, and whether they can afford the transaction. This makes it well-suited for sectors like lending and gambling, where responsible payment flows are essential.

Zimpler, on the other hand, strips the process down to its basics. It focuses on making the payment flow as short as possible, which works well for platforms where speed matters more than additional checks, such as gaming, crypto, and investment platforms.

Compliance Feature	Yaspa	Zimpler
ID Verification	Real-time, integrated with payments	One-time, during onboarding
Affordability Checks	Yes	Not offered
Risk Scoring	Built into payment approval	Not part of ongoing flow
Regulatory Fit	UK-first, FCA licensed	EU-focused, used across Nordics

Compliance and Risk Handling

This is where the differences between Yaspa and Zimpler become more obvious.

Yaspa doesn’t treat compliance as an extra—it’s built into the core of the service. Businesses can run affordability checks, verify customer identities, and flag potential fraud before a transaction is completed. These tools are particularly valuable for firms that must meet specific regulatory guidelines, especially in the UK.

Zimpler takes a more general approach. It includes automated KYC (Know Your Customer) and AML (Anti-Money Laundering) checks, but these are mostly used during the initial customer setup. Once onboarding is complete, the payment experience is kept as smooth as possible.

Compliance Feature	Yaspa	Zimpler
ID Verification	Real-time, integrated with payments	One-time, during onboarding
Affordability Checks	Yes	Not offered
Risk Scoring	Built into payment approval	Not part of ongoing flow
Regulatory Fit	UK-first, FCA licensed	EU-focused, used across Nordics

Feature Comparison: Tools That Go Beyond Just Payments

While both providers enable fast payments, they also offer additional features designed to support different business needs. Yaspa focuses on giving businesses more control over user verification and payment tracking, while Zimpler leans into convenience and simplicity.

Yaspa offers a modular setup that allows businesses to choose specific tools—such as vIBANs or safer gambling options—depending on their compliance requirements. It’s built for platforms where each transaction needs to be traceable and safe.

Zimpler aims to keep things simple for both developers and users. Its key strength is Zimpler GO, which combines customer sign-up, ID checks, and payment into one flow. It also offers wallet features and country-specific tools like Swish in Sweden.

Compliance Feature	Yaspa	Zimpler
ID Verification	Real-time, integrated with payments	One-time, during onboarding
Affordability Checks	Yes	Not offered
Risk Scoring	Built into payment approval	Not part of ongoing flow
Regulatory Fit	UK-first, FCA licensed	EU-focused, used across Nordics

Coverage and Reach: Where Can You Use Them?

Geographic availability is a key factor, especially if you’re running cross-border operations. Yaspa and Zimpler differ significantly in where they operate and where they focus.

Yaspa is licensed and operates primarily in the UK, with coverage extending to 19 countries across the EEA. This makes it a solid choice for platforms that need strong regulatory alignment with the UK’s financial system, while still accessing parts of the European market.

Zimpler offers pay-in services in five countries, with payout options available in 19. Its main strength lies in the Nordics, especially Sweden and Finland, though it has started expanding to markets like Brazil.

Coverage Area	Yaspa	Zimpler
UK Availability	Yes (FCA-licensed)	No direct UK focus
EEA Presence	19 countries	19 countries (payouts)
Nordic Market Strength	Moderate	Strong (Sweden, Finland)
Brazil	No	Yes
Bank Connectivity	Wide UK coverage	5,200+ EU/Nordic banks

Integration & Developer Support: What’s the Setup Like?

Both Yaspa and Zimpler cater to teams looking to get up and running quickly—but the way they support integration differs based on their target markets.

Yaspa offers multiple ways to get started. Whether you have a development team or not, you can choose from full API access, low-code methods, or even no-code options. It also supports integration with third-party platforms like PaymentIQ and Praxis, which are widely used in regulated sectors like online gaming.

Zimpler takes a faster, more self-contained approach. With tools like Zimpler GO and Fast Flow, developers can combine user onboarding and payment in one step. This is particularly useful for apps or platforms that need quick conversion without sending users through multiple layers.

Integration Feature	Yaspa	Zimpler
Full API Access	Yes	Yes
Low-Code/No-Code Options	Available	Available (via Zimpler GO)
Third-Party Platform Support	Yes (PaymentIQ, Praxis)	Limited
Developer Documentation	Clear and guided	Simple, mobile-first setup
Setup Timeline	Flexible based on business needs	Built for fast rollout

Pricing & Contracts: What Does It Actually Cost?

Pricing is often a deciding factor—but both Yaspa and Zimpler keep their rates off public view. That’s because charges usually vary depending on volume, industry, compliance needs, and integration preferences.

Here’s what’s known based on available data:

• Yaspa uses a transaction-based model, with room for custom pricing for businesses in regulated industries like gambling or lending. It also supports variable recurring payments (VRPs), which may affect the pricing tier.
• Zimpler also follows a volume-based pricing model. Features like Swish for local transfers and Zimpler GO are included in the flow, but their impact on pricing isn’t clearly broken down on their site.

Finexer: A Practical UK Alternative

If your business is based in the UK and you’re looking for a provider that offers real-time bank payments, access to financial data, and fast onboarding without the hidden fees, Finexer offers a strong alternative to Yaspa and Zimpler.

Finexer is designed specifically for UK startups, accounting firms, SaaS platforms, and fintechs that need both payment initiation (PIS) and account information services (AIS)—all delivered through an FCA-authorised infrastructure.

Unlike Yaspa and Zimpler, Finexer focuses entirely on the UK market, offering greater local coverage and startup-friendly pricing structures that grow as your business does.

Where Finexer Stands Out

✅ 99% UK Bank Coverage – Full access to almost all UK consumer and business bank accounts for payments and data​

✅ FCA-Authorised – Fully regulated as both a Payment Initiation Service Provider (PISP) and Account Information Service Provider (AISP)​

✅ A2A Payments, Payouts & VRP – Real-time pay-ins, instant payouts, and support for Variable Recurring Payments​

✅ Startup-First Pricing – No setup fees for startups, no cost during the sandbox phase, and tiered usage-based pricing that scales with your growth​

✅ Dedicated UK Support – Access to a 24/7 support team and a dedicated technical manager during integration​

✅ White-Label Capability – Launch under your own brand, including custom domain/URL, bank display name, and fully branded user flows​​

✅ Faster Time to Live – Finexer deploys 2–3x faster than other providers, making it ideal for teams with limited engineering bandwidth​

Why It Matters

• Zimpler is strong in Sweden and parts of Europe, but has no direct UK market presence.
• Yaspa does serve the UK and parts of the EEA, but its primary value lies in regulated sector compliance, not pricing flexibility or fast launch.
• Finexer provides the balance: local support, full A2A coverage, no lock-in costs to get started, and the tools to scale as your product matures.

Whether you’re a fintech looking to offer in-app payouts, an accounting firm needing real-time data feeds, or a startup aiming to build a white-labelled onboarding experience, Finexer is set up for your stage of growth.

Comparison Table: Yaspa vs Zimpler vs Finexer

Feature / Capability	Yaspa	Zimpler	Finexer
Headquarters	London, UK	Stockholm, Sweden	London, UK
UK Bank Coverage	Major UK Banks	Not focused on UK	✅ 99% of UK banks
Regulatory Focus	UK + EEA compliance	EU + Nordic compliance	UK-only (FCA authorised)
Best For	Lending, Gambling, Risk-heavy sectors	iGaming, Trading, App-based platforms	Startups, SaaS, Accounting, UK platforms
A2A Payments	✅	✅	✅
Instant Payouts	✅	✅	✅
Variable Recurring Payments (VRP)	✅	❌	✅
Developer Setup	API + Low/No-Code + PSP support	API + Zimpler GO	Full API + Low/No-Code options
Sandbox for Testing	Available	Available	✅ Full sandbox access
White-Label Support	Available	Not specified	✅ Available
Pricing	Not public	Not public	Startup-friendly, tiered usage pricing

When Should You Choose Yaspa, Zimpler, or Finexer?

Each provider in this comparison brings something different to the table. Here’s how to decide based on your business model, compliance needs, and go-to-market priorities.

✅ Choose Yaspa if…

• You’re operating in a regulated sector like lending, gambling, or fintech.
• You need built-in tools to verify identities or assess affordability before allowing a transaction.
• Your business is based in the UK or EU and must meet strict compliance requirements from the start.
• You’re working with PSPs like Praxis or PaymentIQ and want integration support tailored to your industry.

Best fit: Risk-aware UK/EU platforms that need payment + verification in one flow.

✅ Choose Zimpler if…

• You’re building for high-volume consumer platforms like iGaming, trading apps, or e-wallets.
• Your top priority is speed—especially for mobile transactions.
• Your core markets include Sweden, Finland, or Brazil.
• You want to combine onboarding and payments into a single user flow (e.g. with Zimpler GO).

Best fit: Mobile-first platforms focused on speed and user conversion in the Nordics or Brazil.

✅ Choose Finexer if…

• You’re a UK-based startup, SaaS platform, accounting firm, or SMB that needs bank payments and real-time data access.
• You want FCA-authorised payments and data services under one provider.
• You need to go live quickly without high setup or monthly fees.
• You’re looking for flexibility, clear usage-based pricing, and full control over branding (white-label options included).

Best fit: UK businesses seeking a faster, more affordable alternative with full payment + data API coverage from day one.