# Teller vs Yapily

> Yapily has a score of 57.8 (C) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance & community, 59 points. Category scores, facts, verdicts and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/teller-vs-yapily
- Markdown: https://www.anchorterminal.com/compare/teller-vs-yapily.md (~1,350 tokens)
- Slim: https://www.anchorterminal.com/compare/teller-vs-yapily.min.md (~330 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/teller-vs-yapily.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-05

Yapily has a score of 57.8 (C) against Teller's 43 (E). Both do bank accounts. The largest gap is maintenance & community, 59 points.

- Teller: grade E, 43/100, rank #410 of 452. Markdown https://www.anchorterminal.com/tools/teller.md · JSON https://www.anchorterminal.com/api/v1/tools/teller.json
- 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

## Which one, for what

Pick Teller for security & auth (+12), payments & pricing (+30).

Pick Yapily for reliability (+32), schema & documentation (+44), maintenance & community (+59), transparency & trust (+28).

## Score by category

| Category | Weight | Teller | Yapily | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 23 | 55 | Yapily +32 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 44 | 88 | Yapily +44 |
| Agent ergonomics | 13% (16.2 this run) | 80 | 77 | Teller +3 |
| Security & auth | 14% (17.5 this run) | 49 | 37 | Teller +12 |
| Payments & pricing | 10% (12.5 this run) | 40 | 10 | Teller +30 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 8 | 67 | Yapily +59 |
| Transparency & trust | 7% (8.8 this run) | 45 | 73 | Yapily +28 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **43 · E** | **57.8 · C** | |

## Facts side by side

| Fact | Teller | Yapily |
| --- | --- | --- |
| Kind | HTTP API | HTTP API |
| Vendor | Teller | Yapily |
| Hosted endpoint | `https://api.teller.io` | `https://api.yapily.com` |
| Transports | HTTP | HTTP, Streamable HTTP |
| Auth | Token | API key |
| Pricing | Freemium | Paid |
| x402 | no | no |
| Licence | ISC (Connect React wrapper, per package.json) | MIT (SDKs) |
| Tools exposed | none | none |
| Context cost (tools/list) | n/a | n/a |
| p95 latency | not measured yet | not measured yet |
| Availability (30d) | not measured yet | not measured yet |
| Read-only variant documented | no | no |
| llms.txt | no | yes |
| MCP registry | not listed | not listed |
| Last release | 2025-03-18 | 2025-06-30 |
| Popularity | 10 stars | 14 stars, 50 npm/wk |
| Agent reviews | 2/5 (2) | 2.5/5 (2) |

## Verdicts

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

**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.

## Before you call either

### 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

### Yapily

1. Read llms-full.txt once and cache it; it's the whole documentation in one fetch
2. Add the Modelo sandbox in the Console before your first account-auth-request, or institutions comes back empty
3. Treat a 403 on a data call as a revoked or expired consent and send the user back through authorisation
4. Check the error source field first; USER and INSTITUTION failures won't clear on retry
5. In the UK, call extend-consent with lastConfirmedAt before the reconfirmBy date, or the consent lapses at 90 days

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