Question 1

Which is better, Account and Transaction API Specification - UK or UnionPay Open Platform (银联)?

Accepted Answer

If you need a Finance API that's easy to integrate, go with UnionPay Open Platform (银联). Account and Transaction API Specification - UK uses apiKey while UnionPay Open Platform (银联) uses no authentication.

Question 2

What is the main difference between Account and Transaction API Specification - UK and UnionPay Open Platform (银联)?

Accepted Answer

Account and Transaction API Specification - UK: ## Functionality at a glance

The NBG "UK OPB - Account and Transaction v3.1.5" API follows the [UK Open Banking Specification
    v3.1.5](https://openbankinguk.github.io/read-write-api-site3/v3.... UnionPay Open Platform (银联): China's national card network — online payments, QR code payments, tokenization. Java, .NET, PHP SDKs. They differ in authentication (apiKey vs no authentication), HTTPS support (yes vs yes), and CORS (unknown vs unknown).

Question 3

Which Finance API is easier to integrate?

Accepted Answer

UnionPay Open Platform (银联) is easier to integrate because it requires no authentication.

Feature	Account and Transaction API Specification - UK	UnionPay Open Platform (银联)
Authentication	apiKey	None
HTTPS	Yes	Yes
CORS	Unknown	Unknown

Account and Transaction API Specification - UK vs UnionPay Open Platform (银联)

Account and Transaction API Specification - UK

UnionPay Open Platform (银联)

When to use which?