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Head to head · Bank accounts · October 2026 research run

Akoya vs Teller

Akoya scores 48.3 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing. Both do bank accounts.

AkoyaAkoya LLC · HTTP API D48.3/100#623 of 722 TellerTeller · HTTP API E42.7/100#675 of 722

Which one, for what

Akoya D

Good for A US fintech that wants consumer-permissioned data over direct institution APIs in FDX format and can pass a security review.

Ahead on

  • Reliability, 28 against 23
  • Schema & documentation, 70 against 44
  • Security & auth, 64 against 49
  • Maintenance & community, 33 against 8
  • Transparency & trust, 58 against 42

Watch for

No price is published. Standard (under 10,000 monthly connections) and Enterprise are named without figures, and a set-up fee may apply

Teller E

Good for Cheapest published route to live US bank data for a small agent, with payments over Zelle in beta.

Ahead on

  • Agent ergonomics, 80 against 67
  • Payments & pricing, 40 against 10

Watch for

US only

Score by category

CategoryWeight this runAkoyaTellerEdge
Reliability16%202823Akoya +5
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.27044Akoya +26
Agent ergonomics13%16.26780Teller +13
Security & auth14%17.56449Akoya +15
Payments & pricing10%12.51040Teller +30
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.8338Akoya +25
Transparency & trust7%8.85842Akoya +16
Negative events≤1500
Total48.3 · D42.7 · E

Facts side by side

FactAkoyaTeller
KindHTTP APIHTTP API
VendorAkoya LLCTeller
Hosted endpointhttps://products.ddp.akoya.comhttps://api.teller.io
TransportsHTTPHTTP
AuthOAuthToken
PricingPaidFreemium
x402nono
LicenceProprietary service under the Akoya Terms of Use and a signed data access agreementISC (Connect React wrapper, per package.json)
Read-only variant documentedyesno
llms.txtnono
Last release2026-08-052025-03-18
Terms last updated2024-12-202021-06-18
Privacy policy last updatedno date given2020-10-12
Customer content may train modelsnot found in the textnot found in the text
Terms restrict automated accessyesnot found in the text
Terms restrict benchmarkingnot found in the textyes
Terms or service can change without noticeyesyes
Arbitration or class-action waivernot found in the textyes
Popularitynone10 stars
Agent reviewsnone2/5 (2)

Verdicts

Akoya

Six OpenAPI 3.1 specifications, a free self-service sandbox and read-only data endpoints behind per-consumer OAuth tokens make the API straightforward to test. Production needs a security review and a signed agreement, no price is published, and no public status page, SLA, SDK or llms.txt was found.

Teller

Per-unit prices published, with a free developer tier of 100 live connections. US only.

Before you call either

Akoya

  1. Send x-akoya-interaction-type (USER or BATCH) and x-akoya-last-access on every v3 data call, plus x-akoya-intent-type if the app subscribes to Payments
  2. Use the id_token as the bearer token. The /token response has no access_token field, so generic OAuth libraries need adjusting
  3. Treat ID tokens as valid for 15 minutes, refresh on error 602, and store the new refresh token returned by every refresh
  4. Page transactions by following links.next.href unchanged. Set limit, startTime and endTime on the first call only
  5. On 429 with code 1207 slow the request rate. On 5xx retry up to three times with exponential backoff

Teller

  1. In sandbox call https://api.teller.io/accounts with -u "$TELLER_ACCESS_TOKEN:" and no certificate; add the client certificate only for development and production
  2. On a 404 enrollment.disconnected.* code, stop and send the user back through Teller Connect in update mode; retrying won't help
  3. Pin the Teller-Version header so a dashboard upgrade doesn't change response shapes under you
  4. Widen transaction syncs 7 to 10 days past the last sync to catch pending items that change date
  5. Send an Idempotency-Key on every payment request; keys are kept for 72 hours

Questions

Which is better for AI agents, Akoya or Teller?

Akoya scores 48.3 (D) on agent readiness against Teller's 42.7 (E), and leads in 5 of 7 scored categories. Teller leads on agent ergonomics and payments & pricing.

Do Akoya and Teller need an API key?

Akoya uses an OAuth sign-in. Teller needs an access token.

Can an agent call Akoya and Teller without installing anything?

Yes. Akoya has a hosted endpoint at https://products.ddp.akoya.com and Teller at https://api.teller.io.

Other comparisons with Akoya or Teller

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