Fintecture vs Mastercard Open Banking (formerly Finicity): both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Fintecture has the broader connectivity footprint (62 vs 6 countries of bank coverage), and they overlap on 4 shared markets. Fintecture is headquartered in FR, while Mastercard Open Banking (formerly Finicity) is based in US.
Fintecture vs Mastercard Open Banking (formerly Finicity) at a glance
| Fintecture | Mastercard Open Banking (formerly Finicity) | |
|---|---|---|
| Headquarters | FR | US |
| Market focus | Multi-region | Multi-region |
| Countries covered | 62 | 6 |
| Institutions tracked | 34 | 4,351 |
| Account data (AIS) | ||
| Payments (PIS) | — | |
| Verification | ||
| Regulated | ACPR (France), PSD2 | US |
| Sandbox | ||
| Pricing model | Per-transaction commission (Growth) or subscription + included volume (Pro) | Custom / enterprise quote |
| Free production tier | — | — |
| Developer portal | ||
| Sources | ||
| View Fintecture | View Mastercard Open Banking (formerly Finicity) |
Fintecture vs Mastercard Open Banking (formerly Finicity): bank coverage overlap
Fintecture and Mastercard Open Banking (formerly Finicity) share 4 markets where both connect to banks. Fintecture additionally reaches 58 markets Mastercard Open Banking (formerly Finicity) does not (AE, BD, BE, BG, BR, CH, CN, CO…), while Mastercard Open Banking (formerly Finicity) reaches 2 markets Fintecture does not (NG, PR).
Coverage figures are derived from verified per-bank connectivity data tracked on Open Banking Tracker, not provider marketing claims. See the coverage explorer for the full breakdown by continent.
Choose Fintecture if…
- you need the widest country coverage (62 markets)
- you prefer a provider headquartered in France
Choose Mastercard Open Banking (formerly Finicity) if…
- you want the largest number of connected institutions (4,351)
- you prefer a provider headquartered in the United States
Frequently asked questions
What is the difference between Fintecture and Mastercard Open Banking (formerly Finicity)?
Fintecture vs Mastercard Open Banking (formerly Finicity): both are open banking API aggregators offering account information (AIS) and payment initiation (PIS). Fintecture has the broader connectivity footprint (62 vs 6 countries of bank coverage), and they overlap on 4 shared markets. Fintecture is headquartered in FR, while Mastercard Open Banking (formerly Finicity) is based in US.
Which has wider bank coverage, Fintecture or Mastercard Open Banking (formerly Finicity)?
Fintecture has wider coverage, reaching 62 countries versus 6 for Mastercard Open Banking (formerly Finicity). They overlap on 4 shared markets.
Can I use both Fintecture and Mastercard Open Banking (formerly Finicity)?
Yes. Many teams use more than one open banking aggregator — for example one for its strongest region and another for fallback coverage or specific institutions. Both Fintecture and Mastercard Open Banking (formerly Finicity) expose account information (AIS) and payment initiation (PIS) APIs that can run in parallel.