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Orca vs TrueLayer

Orca covers 233 countries and TrueLayer covers 13; they overlap in 13, with 220 served only by Orca and 0 only by TrueLayer. Orca supports 724 payment methods and TrueLayer 4, 4 of them in common. Orca publishes its pricing, while TrueLayer quotes fees per merchant.

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Orca and TrueLayer at a glance

OrcaTrueLayer
TypeProviderProvider
HeadquartersGBUnited Kingdom
Founded20242016
Part of
Countries covered23313
Payment methods7244
Currencies255 — AAVE, ADA, AED, AFN, ALGO, ALL…2 — EUR, GBP
PricingOn requestOn request
SettlementReal-time in the UK (Faster Payments); SEPA Instant where the bank supports it
RegulatorsFinancial Conduct Authority
CategoriesACH, ATM, BNPL, Bank Transfer, Banking, Card Issuance, Cards, Cash, Cross Border, Crypto, Direct Debit, Gateway, IBAN Issuance, Mobile / USSD, On / Off Ramp, Open Banking, Orchestration, Other, P2P, POS, PayTech, Remittance, Terminals & Kiosks, Voucher, WalletBank Transfer, Open Banking, PayTech
IndustriesCrypto, Forex / CFD, Marketplace, SaaS, Travel, eCommerce, iGamingCrypto, Fintech, eCommerce, iGaming

Countries

13 in common · 220 only Orca · 0 only TrueLayer

Only Orca

AfghanistanAfghanistanAlbaniaAlbaniaAlgeriaAlgeriaAndorraAndorraAngolaAngolaAnguillaAnguillaAntigua and BarbudaAntigua and BarbudaArgentinaArgentinaArmeniaArmeniaArubaArubaAustraliaAustraliaAzerbaijanAzerbaijanBahamasBahamasBahrainBahrainBangladeshBangladeshBarbadosBarbadosBelarusBelarusBelizeBelizeBeninBeninBermudaBermudaBhutanBhutanBoliviaBoliviaBosnia and HerzegovinaBosnia and HerzegovinaBotswanaBotswanaBrazilBrazilBritish Virgin IslandsBritish Virgin IslandsBruneiBruneiBulgariaBulgariaBurkina FasoBurkina FasoBurundiBurundiCabo VerdeCabo VerdeCambodiaCambodiaCameroonCameroonCanadaCanadaCayman IslandsCayman IslandsCentral African RepublicCentral African RepublicChadChadChileChileChinaChinaChristmas IslandChristmas IslandColombiaColombiaComorosComorosCongoCongoCongo (DRC)Congo (DRC)Cook IslandsCook IslandsCosta RicaCosta RicaCroatiaCroatiaCubaCubaCyprusCyprusCzech RepublicCzech RepublicCôte d'IvoireCôte d'IvoireDjiboutiDjiboutiDominicaDominicaDominican RepublicDominican RepublicEcuadorEcuadorEgyptEgyptEl SalvadorEl SalvadorEquatorial GuineaEquatorial GuineaEritreaEritreaEstoniaEstoniaEswatiniEswatiniEthiopiaEthiopiaFalkland IslandsFalkland IslandsFaroe IslandsFaroe IslandsFijiFijiFrench GuianaFrench GuianaFrench PolynesiaFrench PolynesiaGabonGabonGambiaGambiaGeorgiaGeorgiaGhanaGhanaGibraltarGibraltarGreeceGreeceGreenlandGreenlandGrenadaGrenadaGuadeloupeGuadeloupeGuatemalaGuatemalaGuernseyGuernseyGuineaGuineaGuinea-BissauGuinea-BissauGuyanaGuyanaHaitiHaitiHondurasHondurasHong KongHong KongHungaryHungaryIcelandIcelandIndiaIndiaIndonesiaIndonesiaIranIranIraqIraqIsle of ManIsle of ManIsraelIsraelJamaicaJamaicaJapanJapanJerseyJerseyJordanJordanKazakhstanKazakhstanKenyaKenyaKiribatiKiribatiKosovoKosovoKuwaitKuwaitKyrgyzstanKyrgyzstanLaosLaosLatviaLatviaLebanonLebanonLesothoLesothoLiberiaLiberiaLibyaLibyaLiechtensteinLiechtensteinLuxembourgLuxembourgMacaoMacaoMadagascarMadagascarMalawiMalawiMalaysiaMalaysiaMaldivesMaldivesMaliMaliMaltaMaltaMarshall IslandsMarshall IslandsMartiniqueMartiniqueMauritaniaMauritaniaMauritiusMauritiusMayotteMayotteMexicoMexicoMicronesiaMicronesiaMoldovaMoldovaMonacoMonacoMongoliaMongoliaMontenegroMontenegroMontserratMontserratMoroccoMoroccoMozambiqueMozambiqueMyanmarMyanmarNamibiaNamibiaNauruNauruNepalNepalNew CaledoniaNew CaledoniaNew ZealandNew ZealandNicaraguaNicaraguaNigerNigerNigeriaNigeriaNiueNiueNorfolk IslandNorfolk IslandNorth KoreaNorth KoreaNorth MacedoniaNorth MacedoniaNorwayNorwayOmanOmanPakistanPakistanPalauPalauPanamaPanamaPapua New GuineaPapua New GuineaParaguayParaguayPeruPeruPhilippinesPhilippinesPolandPolandPuerto RicoPuerto RicoQatarQatarRomaniaRomaniaRussiaRussiaRwandaRwandaRéunionRéunionSaint HelenaSaint HelenaSaint Kitts and NevisSaint Kitts and NevisSaint LuciaSaint LuciaSaint MartinSaint MartinSaint Vincent and the GrenadinesSaint Vincent and the GrenadinesSamoaSamoaSan MarinoSan MarinoSao Tome and PrincipeSao Tome and PrincipeSaudi ArabiaSaudi ArabiaSenegalSenegalSerbiaSerbiaSeychellesSeychellesSierra LeoneSierra LeoneSingaporeSingaporeSlovakiaSlovakiaSloveniaSloveniaSolomon IslandsSolomon IslandsSomaliaSomaliaSouth AfricaSouth AfricaSouth KoreaSouth KoreaSouth SudanSouth SudanSri LankaSri LankaSt BarthélemySt BarthélemySt Pierre & MiquelonSt Pierre & MiquelonSudanSudanSurinameSurinameSvalbard & Jan MayenSvalbard & Jan MayenSwedenSwedenSwitzerlandSwitzerlandSyriaSyriaTaiwanTaiwanTajikistanTajikistanTanzaniaTanzaniaThailandThailandTimor-LesteTimor-LesteTogoTogoTongaTongaTrinidad and TobagoTrinidad and TobagoTunisiaTunisiaTurkeyTurkeyTurkmenistanTurkmenistanTurks & Caicos IslandsTurks & Caicos IslandsTuvaluTuvaluU.S. Virgin IslandsU.S. Virgin IslandsUS Outlying IslandsUS Outlying IslandsUgandaUgandaUkraineUkraineUnited Arab EmiratesUnited Arab EmiratesUnited StatesUnited StatesUruguayUruguayUzbekistanUzbekistanVanuatuVanuatuVatican CityVatican CityVenezuelaVenezuelaVietnamVietnamWallis & FutunaWallis & FutunaWestern SaharaWestern SaharaYemenYemenZambiaZambiaZimbabweZimbabwe

Only TrueLayer

None — Orca covers every country TrueLayer does.

Payment methods

4 in common · 720 only Orca · 0 only TrueLayer

Only TrueLayer

None.

Offered by both

Faster PaymentsInstant Open BankingSEPASEPA Instant

Frequently asked questions

What is the difference between Orca and TrueLayer?

Orca covers 233 countries and TrueLayer covers 13; they overlap in 13, with 220 served only by Orca and 0 only by TrueLayer. Orca supports 724 payment methods and TrueLayer 4, 4 of them in common. Orca publishes its pricing, while TrueLayer quotes fees per merchant.

Which covers more countries, Orca or TrueLayer?

Orca has more: Orca covers 233 countries and TrueLayer covers 13. Only Orca serves Afghanistan, Albania, Algeria, Andorra, Angola, Anguilla and 214 more.

Does Orca or TrueLayer support more payment methods?

Orca has more: 724 for Orca against 4 for TrueLayer, with 4 in common. Only Orca offers 1Voucher, 7-Eleven, ACH, ANCV Chèque-Vacances, APAC Bank Transfer, ATM Philippines and 714 more.

Is Orca cheaper than TrueLayer?

Orca quotes fees per merchant. TrueLayer quotes fees per merchant. Which is cheaper depends on your payment methods, countries, volumes and risk profile, so compare quotes from both for your own mix.

Can you use Orca and TrueLayer together?

Yes. Many merchants use more than one payment provider — to cover countries or payment methods only one of them offers, or as a backup if one has an outage. A payment orchestration platform can route each payment to whichever provider suits it best.

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Compiled from public sources, information supplied by providers and AI-generated content — always confirm coverage and pricing with each provider. Disclaimer