TrueLayer

TrueLayer

Open Banking Payments

VS

CatalystPay

High-risk merchant processing

CatalystPay
Fees from
0.1-0.5% vs Interchange + 1%–2% + €0.3
Features

0 shared

2 unique to TrueLayer · 9 unique to CatalystPay
Regions

1 shared

4 unique to CatalystPay
Pay methods

0 shared

2 unique to TrueLayer · 12 unique to CatalystPay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
11 features · 14 payment methods · 5 regions. We don't rank these — they're here for reference.
TrueLayer TrueLayer
CatalystPay CatalystPay
Quick Facts
Fees
Standard transaction rate
0.1-0.5%
Interchange + 1%–2% + €0.3
Settlement
Time to receive funds
Same day
5–7 business days
Founded
2016
2019
Headquarters
London, United Kingdom
Belfast, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
CatalystPay leads (9 vs 2)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout Unique
✓
—
Low Fees Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Virtual Terminal Unique
—
✓
Payment Methods
CatalystPay leads (12 vs 2)
Apple Pay Unique
—
✓
Bitcoin Unique
—
✓
Cartes Bancaires Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Direct Debit Unique
—
✓
Google Pay Unique
—
✓
Lightning Network Unique
—
✓
Mastercard Unique
—
✓
Open Banking Unique
✓
—
Real Time Payments Unique
✓
—
Sepa Direct Debit Unique
—
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
CatalystPay leads (5 vs 1)
Europe
✓
✓
Global Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Southeast Asia Unique
—
✓

TrueLayer is best when you...

Open Banking Payments
Need Instant Payout
Not available with CatalystPay
Need Startup Friendly
Not available with CatalystPay
View TrueLayer

CatalystPay is best when you...

High-risk merchant processing
Need Crypto Support
Not available with TrueLayer
Need Enterprise
Not available with TrueLayer
Want coverage in Global, Middle East, North America, Southeast Asia
TrueLayer doesn't cover these regions
View CatalystPay

Frequently Asked Questions

What is the difference between TrueLayer and CatalystPay?
They share 0 payment methods and 1 region. TrueLayer adds Open Banking, Real-Time Payments that CatalystPay does not list; CatalystPay adds Apple Pay, Bitcoin, Cartes Bancaires and 9 more that TrueLayer does not list; CatalystPay also covers Global, Middle East and 2 more; only TrueLayer offers Instant Payout, Startup Friendly.
Which is cheaper, TrueLayer or CatalystPay?
TrueLayer has published rates from 0.1-0.5%; CatalystPay has published rates from Interchange + 1%–2% + €0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use TrueLayer and CatalystPay?
TrueLayer lists 1 region and 2 payment methods; CatalystPay lists 5 and 12. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TrueLayer and CatalystPay compare on integration and settlement?
both offer a sandbox; both support webhooks; TrueLayer settles in Same day, CatalystPay in 5–7 business days.

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