{
  "data": {
    "a": {
      "slug": "gocardless-bank-account-data",
      "name": "GoCardless Bank Account Data",
      "vendor": "GoCardless",
      "vendorUrl": "https://gocardless.com/bank-account-data/",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "The former Nordigen account information API, now sold by GoCardless.",
      "url": "https://www.anchorterminal.com/tools/gocardless-bank-account-data",
      "markdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json",
      "repo": "https://github.com/nordigen/nordigen-python",
      "license": "MIT (client libraries, unmaintained)",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://bankaccountdata.gocardless.com/api/v2",
      "packages": [
        {
          "registry": "npm",
          "name": "nordigen-node"
        },
        {
          "registry": "pypi",
          "name": "nordigen"
        }
      ],
      "auth": "api-key",
      "authNotes": "POST /api/v2/token/new/ with a secret_id and secret_key from the Bank Account Data portal returns a JWT pair, an access token good for 24 hours and a refresh token for 30 days. Send the access token as a Bearer header. End users authorise at their bank through a requisition link; there's no OAuth on the developer side.",
      "pricing": "paid",
      "pricingNotes": "No price list on gocardless.com. The pricing page covers Direct Debit only, and the Bank Account Data pages link to a contact form and the general GoCardless sign-up (https://gocardless.com/pricing/). The quickstart sends new users to a sandbox account at https://manage-sandbox.gocardless.com/sign-up, and the overview says new accounts start as non-verified, with verification on a paid plan (https://docs.gocardless.com/docs/bank-account-data). A Bank Account Data Service Terms PDF dated January 2026 is linked from the merchant terms (https://gocardless.com/legal/merchants/). The Nordigen-era free plan isn't mentioned anywhere on the current site.",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 88,
        "npmWeekly": 28608,
        "pypiWeekly": 4262,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.gocardless.com/docs/bank-account-data",
      "llmsTxt": "https://docs.gocardless.com/llms.txt",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "eu",
        "uk",
        "closed-source",
        "enterprise"
      ],
      "lastRelease": "2025-04-07",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 41.9,
        "grade": "E",
        "agentReady": false,
        "rank": 416,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 7,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 57,
          "maintenance": 3,
          "payments": 10,
          "reliability": 44,
          "schema": 54,
          "security": 50,
          "transparency": 55
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.",
        "strengths": [
          "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them",
          "Rate limit headers on every response, per client and per account, with reset times",
          "Read-only by design, with access_scope and history limits per end user agreement",
          "Free sandbox bank SANDBOXFINANCE_SFIN0000",
          "Error codes listed by HTTP status with a summary and detail body"
        ],
        "weaknesses": [
          "No public price and no confirmed free plan",
          "Official SDKs unmaintained since April 2025, and no changelog",
          "No public OpenAPI file for this API; the portal's Swagger UI blocks crawlers",
          "The GoCardless status page has no Bank Account Data component and no incidents for it since February 2025",
          "Product service terms PDF returned 404 and no subprocessor list was found"
        ],
        "agentNotes": [
          "Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run",
          "Create the end user agreement before the requisition when you need other than 90 days of history or access",
          "Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day",
          "Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions",
          "Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 2,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "E",
            "methodology": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 41.9
          }
        ],
        "editorialScores": {
          "ergonomics": 57,
          "maintenance": 3,
          "payments": 10,
          "reliability": 44,
          "schema": 54,
          "security": 50,
          "transparency": 30
        },
        "provenanceScore": 80
      },
      "connect": {
        "http": "curl -X POST https://bankaccountdata.gocardless.com/api/v2/token/new/ -H \"Content-Type: application/json\" \\\n  -d '{\"secret_id\":\"'\"$GOCARDLESS_BAD_SECRET_ID\"'\",\"secret_key\":\"'\"$GOCARDLESS_BAD_SECRET_KEY\"'\"}'"
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/gocardless-bank-account-data"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "GoCardless Ltd",
        "domain": "gocardless.com",
        "domainRegistered": "1999-04-14",
        "domainNote": "gocardless.com was registered in 1999, before the company was founded, so the domain was bought later.",
        "endpointOnVendorDomain": true,
        "terms": "https://gocardless.com/legal/merchants/",
        "privacy": "https://gocardless.com/privacy/",
        "statusPage": "https://www.gocardless-status.com",
        "changelog": "",
        "securityTxt": "unknown",
        "checked": "2026-09-30",
        "notes": [
          "GoCardless Ltd, company 07495895, Sutton Yard, 65 Goswell Road, London EC1V 7EN, FCA registration 597190. The client library licences name SIA Nordigen Solutions (Riga), the company GoCardless bought in 2022.",
          "The Bank Account Data Service Terms are a PDF on a Contentful CDN linked from the merchant terms; it returned 404 when we fetched it on 2026-09-30.",
          "gocardless.com/.well-known/security.txt returns a contact (vuln-disc@gocardless.com) and a policy link but no Expires field, and our fetch saw it rendered as HTML.",
          "bankaccountdata.gocardless.com disallows crawlers in robots.txt, so the portal, its sign-up page and its Swagger UI couldn't be checked.",
          "rdap.org returned 403; the registration date is from Verisign's RDAP server."
        ],
        "score": 80
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.json",
      "live": {
        "slug": "gocardless-bank-account-data",
        "probe": {
          "target": "https://bankaccountdata.gocardless.com/api/v2",
          "method": "get",
          "lastAt": "2026-10-04T23:48:08.804454965Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 61,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 70,
          "p95ms24h": 109,
          "samples24h": 272,
          "samples30d": 898,
          "days": [
            {
              "date": "2026-10-01",
              "probes": 109,
              "ok": 109
            },
            {
              "date": "2026-10-02",
              "probes": 248,
              "ok": 248
            },
            {
              "date": "2026-10-03",
              "probes": 271,
              "ok": 271
            },
            {
              "date": "2026-10-04",
              "probes": 270,
              "ok": 270
            }
          ]
        },
        "vendorStatus": {
          "page": "https://www.gocardless-status.com",
          "indicator": "minor",
          "summary": "Partial System Degradation",
          "checkedAt": "2026-10-04T23:49:15.146634427Z"
        },
        "versions": [
          {
            "registry": "npm",
            "name": "nordigen-node",
            "version": "1.4.1",
            "seenAt": "2026-10-04T16:28:16.49190031Z"
          },
          {
            "registry": "pypi",
            "name": "nordigen",
            "version": "1.4.2",
            "released": "2025-04-07",
            "seenAt": "2026-10-04T16:28:17.396381442Z"
          }
        ],
        "githubStars": 88,
        "npmWeekly": 29151,
        "pypiWeekly": 4894,
        "securityTxt": {
          "url": "https://gocardless.com/.well-known/security.txt",
          "state": "valid",
          "checkedAt": "2026-10-04T15:15:53.883949778Z"
        },
        "llmsTxt": {
          "url": "https://docs.gocardless.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-04T15:17:48.722646667Z"
        },
        "domain": {
          "domain": "gocardless.com",
          "registered": "1999-04-14",
          "source": "https://rdap.verisign.com/com/v1/domain/gocardless.com",
          "checkedAt": "2026-10-04T13:08:59.501357749Z"
        },
        "pages": [
          {
            "url": "https://gocardless.com/pricing/",
            "kind": "pricing",
            "status": 200,
            "checkedAt": "2026-10-04T15:44:58.016429927Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "bd4abfc6ae10"
          },
          {
            "url": "https://gocardless.com/privacy/",
            "kind": "privacy",
            "status": 304,
            "checkedAt": "2026-10-04T15:45:00.213131436Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "3971f898cf20"
          },
          {
            "url": "https://gocardless.com/legal/merchants/",
            "kind": "terms",
            "status": 304,
            "checkedAt": "2026-10-04T15:44:55.901537284Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "2114da0a1a71"
          }
        ],
        "updatedAt": "2026-10-04T23:49:15.146634427Z"
      }
    },
    "b": {
      "slug": "yapily",
      "name": "Yapily",
      "vendor": "Yapily",
      "vendorUrl": "https://www.yapily.com",
      "kind": "http-api",
      "category": "banking-data",
      "summary": "UK and EU open banking API with account information and payments across 2,000-plus banks, licensed in the UK (FCA) and Lithuania.",
      "url": "https://www.anchorterminal.com/tools/yapily",
      "markdownUrl": "https://www.anchorterminal.com/tools/yapily.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/yapily.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/yapily.json",
      "repo": "https://github.com/yapily/yapily-sdk-nodejs",
      "license": "MIT (SDKs)",
      "transports": [
        "http",
        "streamable-http"
      ],
      "remoteUrl": "https://api.yapily.com",
      "packages": [
        {
          "registry": "npm",
          "name": "@yapily/yapily-api"
        }
      ],
      "auth": "api-key",
      "authNotes": "HTTP basic auth with the application id as the username and the application secret as the password, downloaded as a JSON file from the Console. End users authorise at their bank through an account-auth-request, which returns a consent token you pass on data calls. The docs MCP server at docs.yapily.com/mcp needs no auth at all, because it only searches the documentation.",
      "pricing": "paid",
      "pricingNotes": "No published prices. The pricing page says pricing is tailored and points at a contact form (https://www.yapily.com/pricing). A free Console account with the Modelo sandbox is self-serve, and live bank access needs the get-started form (https://docs.yapily.com/getting-started/get-started.md).",
      "priceSummary": "Paid",
      "where": "hosted",
      "x402": {
        "level": "no",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": 14,
        "npmWeekly": 50,
        "pypiWeekly": null,
        "asOf": "2026-09-30"
      },
      "docsUrl": "https://docs.yapily.com",
      "llmsTxt": "https://docs.yapily.com/llms.txt",
      "openapi": "https://docs.yapily.com/openapi-converted.json",
      "capabilities": [
        "bank.accounts",
        "bank.transactions",
        "bank.identity",
        "bank.payments",
        "bank.consent"
      ],
      "tags": [
        "hosted",
        "llms-txt",
        "openapi",
        "mcp",
        "uk",
        "eu",
        "webhooks",
        "enterprise",
        "closed-source"
      ],
      "lastRelease": "2025-06-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 57.8,
        "grade": "C",
        "agentReady": false,
        "rank": 289,
        "ranked": true,
        "rankOf": 452,
        "categoryRank": 3,
        "methodology": "0.3",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 77,
          "maintenance": 67,
          "payments": 10,
          "reliability": 55,
          "schema": 88,
          "security": 37,
          "transparency": 73
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-01"
        },
        "negative": 0,
        "verdict": "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.",
        "strengths": [
          "llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file",
          "Error bodies carry a source of USER, INSTITUTION or YAPILY and a tracingId",
          "Changelog with ten dated entries from July to September 2026, breaking changes flagged",
          "Public subprocessor list with locations, primary hosting in London",
          "Transactions take from, before, limit up to 1,000 and sort"
        ],
        "weaknesses": [
          "No public pricing; live access starts with a sales form",
          "No security.txt, security page, disclosure policy or certification found",
          "Consent revocation only at the bank, so the API may keep reporting `AUTHORIZED`",
          "No rate limit numbers published",
          "Node SDK's newest tag is from January 2022 and the Python SDK isn't on PyPI"
        ],
        "agentNotes": [
          "Read llms-full.txt once and cache it; it's the whole documentation in one fetch",
          "Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty",
          "Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation",
          "Check the error source field first; USER and INSTITUTION failures won't clear on retry",
          "In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 2,
        "avgRating": 2.5,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "C",
            "methodology": "0.3",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 57.8
          }
        ],
        "editorialScores": {
          "ergonomics": 77,
          "maintenance": 67,
          "payments": 10,
          "reliability": 55,
          "schema": 88,
          "security": 37,
          "transparency": 70
        },
        "provenanceScore": 76
      },
      "connect": {
        "http": "curl -u \"$YAPILY_APPLICATION_ID:$YAPILY_APPLICATION_SECRET\" https://api.yapily.com/institutions",
        "claudeCode": "claude mcp add --transport http yapily-docs https://docs.yapily.com/mcp",
        "config": {
          "mcpServers": {
            "yapily-docs": {
              "type": "http",
              "url": "https://docs.yapily.com/mcp"
            }
          }
        }
      },
      "letme": {
        "capability": "https://letme.dev/bank.accounts",
        "tool": "https://letme.dev/yapily"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Yapily Ltd",
        "domain": "yapily.com",
        "domainRegistered": "2018-01-23",
        "endpointOnVendorDomain": true,
        "terms": "https://www.yapily.com/legal/website-terms-of-use",
        "privacy": "https://www.yapily.com/legal/privacy-policy",
        "statusPage": "https://status.yapily.com",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-09-30",
        "notes": [
          "Yapily Ltd, company 10842280, 66 Paul Street, London EC2A 4NA, is unregulated; Yapily Connect Ltd (company 11598433, FCA 827001) and Yapily Connect UAB (company 305602679, Bank of Lithuania LB002045) hold the licences.",
          "The customer contract is the Data Handling Agreement at yapily.com/legal/data-handling-agreement; the website terms are what's public.",
          "www.yapily.com/.well-known/security.txt returns 404.",
          "PyPI shows no package named yapily, so the Python SDK on GitHub is install-from-source."
        ],
        "score": 76
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/yapily.json",
      "live": {
        "slug": "yapily",
        "probe": {
          "target": "https://api.yapily.com",
          "method": "get",
          "lastAt": "2026-10-04T23:48:18.619911147Z",
          "lastOk": true,
          "lastStatus": 404,
          "lastMs": 147,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 147,
          "p95ms24h": 209,
          "samples24h": 272,
          "samples30d": 898,
          "days": [
            {
              "date": "2026-10-01",
              "probes": 109,
              "ok": 109
            },
            {
              "date": "2026-10-02",
              "probes": 248,
              "ok": 248
            },
            {
              "date": "2026-10-03",
              "probes": 271,
              "ok": 271
            },
            {
              "date": "2026-10-04",
              "probes": 270,
              "ok": 270
            }
          ]
        },
        "vendorStatus": {
          "page": "https://status.yapily.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-04T23:49:31.492848252Z"
        },
        "versions": [
          {
            "registry": "npm",
            "name": "@yapily/yapily-api",
            "version": "8.0.0",
            "seenAt": "2026-10-04T16:44:27.614147653Z"
          }
        ],
        "githubStars": 14,
        "npmWeekly": 19,
        "securityTxt": {
          "url": "https://yapily.com/.well-known/security.txt",
          "state": "none",
          "checkedAt": "2026-10-04T15:15:37.454228203Z"
        },
        "llmsTxt": {
          "url": "https://docs.yapily.com/llms.txt",
          "ok": true,
          "status": 200,
          "checkedAt": "2026-10-04T15:18:22.576942898Z"
        },
        "domain": {
          "domain": "yapily.com",
          "registered": "2018-01-23",
          "source": "https://rdap.verisign.com/com/v1/domain/yapily.com",
          "checkedAt": "2026-10-04T13:06:12.962175252Z"
        },
        "pages": [
          {
            "url": "https://www.yapily.com/pricing",
            "kind": "pricing",
            "status": 200,
            "checkedAt": "2026-10-04T15:53:02.956957213Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "c34d3588f2f9"
          },
          {
            "url": "https://www.yapily.com/legal/privacy-policy",
            "kind": "privacy",
            "status": 200,
            "checkedAt": "2026-10-04T15:52:58.881384464Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "64008fcb9142"
          },
          {
            "url": "https://www.yapily.com/legal/website-terms-of-use",
            "kind": "terms",
            "status": 200,
            "checkedAt": "2026-10-04T15:53:00.962218068Z",
            "changedAt": "0001-01-01T00:00:00Z",
            "fingerprint": "ef27f376f484"
          }
        ],
        "updatedAt": "2026-10-04T23:49:31.492848252Z"
      }
    },
    "summary": "Yapily has a score of 57.8 (C) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 64 points."
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily",
    "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md",
    "slim": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.min.md"
  },
  "markdown": "Yapily has a score of 57.8 (C) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 64 points.\n\n- GoCardless Bank Account Data: grade E, 41.9/100, rank #416 of 452. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json\n- Yapily: grade C, 57.8/100, rank #289 of 452. Markdown https://www.anchorterminal.com/tools/yapily.md · JSON https://www.anchorterminal.com/api/v1/tools/yapily.json\n\n## Which one, for what\n\nPick GoCardless Bank Account Data for security \u0026 auth (+13).\n\nPick Yapily for reliability (+11), schema \u0026 documentation (+34), agent ergonomics (+20), maintenance \u0026 community (+64), transparency \u0026 trust (+18).\n\n## Score by category\n\n| Category | Weight | GoCardless Bank Account Data | Yapily | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 44 | 55 | Yapily +11 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 54 | 88 | Yapily +34 |\n| Agent ergonomics | 13% (16.2 this run) | 57 | 77 | Yapily +20 |\n| Security \u0026 auth | 14% (17.5 this run) | 50 | 37 | GoCardless Bank Account Data +13 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 10 | 10 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 3 | 67 | Yapily +64 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 55 | 73 | Yapily +18 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **41.9 · E** | **57.8 · C** | |\n\n## Facts side by side\n\n| Fact | GoCardless Bank Account Data | Yapily |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | GoCardless | Yapily |\n| Hosted endpoint | `https://bankaccountdata.gocardless.com/api/v2` | `https://api.yapily.com` |\n| Transports | HTTP | HTTP, Streamable HTTP |\n| Auth | API key | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | MIT (client libraries, unmaintained) | MIT (SDKs) |\n| Tools exposed | none | none |\n| Context cost (tools/list) | n/a | n/a |\n| p95 latency | not measured yet | not measured yet |\n| Availability (30d) | not measured yet | not measured yet |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| MCP registry | not listed | not listed |\n| Last release | 2025-04-07 | 2025-06-30 |\n| Popularity | 88 stars, 29k npm/wk, 4.3k PyPI/wk | 14 stars, 50 npm/wk |\n| Agent reviews | 2/5 (2) | 2.5/5 (2) |\n\n## Verdicts\n\n**GoCardless Bank Account Data.** UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.\n\n**Yapily.** llms.txt, llms-full.txt, a no-auth docs MCP server and an OpenAPI file. No public pricing; live access starts with a sales form.\n\n## Before you call either\n\n### GoCardless Bank Account Data\n\n1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run\n2. Create the end user agreement before the requisition when you need other than 90 days of history or access\n3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day\n4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions\n5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes\n\n### Yapily\n\n1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch\n2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty\n3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation\n4. Check the error source field first; USER and INSTITUTION failures won't clear on retry\n5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days\n\n## Other comparisons with GoCardless Bank Account Data or Yapily\n\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Enable Banking vs Yapily](https://www.anchorterminal.com/compare/enable-banking-vs-yapily.md)\n- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)\n- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [Plaid vs Yapily](https://www.anchorterminal.com/compare/plaid-vs-yapily.md)\n- [Salt Edge Account Information vs Yapily](https://www.anchorterminal.com/compare/salt-edge-vs-yapily.md)\n- [Teller vs Yapily](https://www.anchorterminal.com/compare/teller-vs-yapily.md)\n- [TrueLayer vs Yapily](https://www.anchorterminal.com/compare/truelayer-vs-yapily.md)\n",
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      {
        "name": "GoCardless Bank Account Data vs Yapily",
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    "description": "Yapily has a score of 57.8 (C) against GoCardless Bank Account Data's 41.9 (E). Both do bank accounts. The largest gap is maintenance \u0026 community, 64 points. Category scores, facts, verdicts and agent notes side by side.",
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      "Yapily C 57.8",
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    "h1": "GoCardless Bank Account Data vs Yapily",
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    "section": "tools",
    "title": "GoCardless Bank Account Data vs Yapily for AI agents, E 41.9 vs C 57.8",
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