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    TrueLayer

    TrueLayer is Europe’s leading open banking payments network. We power smarter, safer and faster online payments by combining real-time bank payments with fina

    GBUnited Kingdom·Founded 2016
    Headquarters
    🇬🇧United Kingdom
    Data Hosting
    United KingdomIreland
    Structure
    Independent
    Compliance
    ▣GDPR◆EU HQ▦EU Data

    TrueLayer key facts

    Last updated
    Legal entity
    TrueLayer (Ireland) Limited
    Headquarters
    United Kingdom (GB)
    Ownership
    Part of TrueLayer Limited (UK)
    Founded
    2016
    Data hosting
    United Kingdom, Ireland
    Infrastructure
    AWS (Amazon Web Services)
    Deployment
    SaaS
    Open source
    No
    US Cloud Act exposure
    Exposed
    Certifications
    PSD2 (Regulatory), SCA (Strong Customer Authentication) compliant
    Replaces
    Stripe (Data/Bank features), Plaid, Tink, Klarna Kosma, Yapily

    About TrueLayer

    TrueLayer is a leading financial technology platform that provides open banking infrastructure across Europe and the UK. It enables businesses to integrate real-time bank payments directly into their applications, offering a faster and more secure alternative to traditional card payments. By leveraging the PSD2 framework, TrueLayer allows users to authenticate payments directly through their banking apps without sharing sensitive card details. Beyond payments, the platform provides robust data services through its Account Information Service (AIS). This allows companies to access real-time financial data for use cases such as credit scoring, wealth management, and automated accounting. For customers within the European Economic Area, services are provided by the Dublin-based entity, TrueLayer (Ireland) Limited, which is fully regulated by the Central Bank of Ireland, ensuring compliance with EU financial regulations.

    Alternative to

    Target Segments

    EnterpriseSMB

    Deployment Options

    SaaS

    Hosting & Security

    Infrastructure

    AWS (Amazon Web Services)

    Certifications
    PSD2 (Regulatory)
    SCA (Strong Customer Authentication) compliant

    Key Features

    Instant Payments via bank transfer
    Verified Payouts to matched accounts
    Data API for account ownership verification
    Account Information Services for financial data access
    Transaction history for affordability checks
    Customizable hosted payment pages (HPP)
    Embedded payment pages (EPP)
    Real-time merchant account balance tracking

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