Plaid
Payments, onboarding, lending, and financial data — all through one API platform.
Plaid is an open banking platform that lets people connect their financial accounts to apps and services through a single API. It addresses the need for developers to access bank payments, account linking, identity verification, credit underwriting data, and financial management insights without integrating with each institution separately. Plaid's European entities provide regulated Account Information Services and Payment Initiation Services under PSD2.
The platform includes Payment Initiation for Pay by Bank, Recurring, and Payouts; Transactions for categorised transaction data; Auth for verified account and routing numbers; Balance for real-time balances; Identity for bank account-holder information; and Assets for lending data. Account linking (Link) connects to over 12,000 financial institutions across 20 countries, covering personal and business accounts, with built-in fraud signals. Developer resources include a Quickstart, API documentation, and libraries.
Plaid is built for fintech developers and teams working across lending, payments, property management, banking, wealth, iGaming, and personal or business financial management. Pricing offers a free plan for building and testing with live data, including unlimited Sandbox calls and a limited number of live API calls per product, alongside a custom scale edition with unlimited live calls, premium support, account management, and integration assistance.
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