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Plaid
What it is
Plaid helps people connect financial accounts to apps and services they choose, then manage those connections. Its products cover payments, fraud and risk, financial management, and onboarding. Plaid Link connects users to more than 12,000 financial institutions, while Transactions provides up to 24 months of categorized transaction data. Plaid Transfer processes bank payments through ACH, RTP, and FedNow. Available data includes account and routing numbers, balances, identity, transactions, investments, liabilities, income, and statements; statements are in PDF format. Connections can use credentials, OAuth, app-to-app OAuth, or manual and micro-deposit flows, with on-demand refreshes. Developers can use API libraries for Node, Python, Ruby, Java, and Go, plus Link SDKs for web and mobile. Plaid Portal lets users review connected apps, change permissions, and disconnect accounts. Plaid lists Android, iOS, web, and API platforms, along with SOC 2 Type 2, ISO 27001, and ISO 27701 certifications. Pricing is on request; there is no free plan, though a free trial is available. Plaid does not connect every financial institution, and access may end if an institution's data can no longer be reliably reached.
For and against
For
- Link connects users to more than 12,000 institutions
- Transactions provides up to 24 months of data
- Transfer supports ACH, RTP, and FedNow payments
- Portal lets users manage permissions and disconnect accounts
- Official API libraries cover five languages
Against
- Does not connect every financial institution
- An institution may be removed if reliable access ends
- Pricing is available on request
- No free plan
The verdict
Plaid provides account connections, financial data access, and bank payment processing, with developer tools for web and mobile integrations. Pricing is on request, and coverage does not include every financial institution.
Who it suits
Plaid may suit developers and businesses connecting financial accounts to apps, with plans described for individuals and developers, small teams and startups, and businesses needing to scale. Its Portal also gives account holders a way to manage connected apps and permissions.
Plans and prices
Trial
Up to 10 Production Items · Most OAuth institutions
Read 30 Sep 2026 · support.plaid.com
Custom
Volume discounts · Beta products · Integration assistance · Premium support
Read 30 Sep 2026 · plaid.com
Growth
Discounted product rates · Platform support package · Single Sign-On for Plaid Dashboard
Read 30 Sep 2026 · plaid.com
Pay as You Go
Unlimited live API calls · GA products · Link customization
Read 30 Sep 2026 · plaid.com
On the record
- Account connection
- Plaid Link connects users to more than 12,000 financial institutions.plaid.com · read 30 Sep 2026
- Data controls
- Plaid Portal lets users view connected apps, manage permissions, and disconnect accounts.plaid.com · read 30 Sep 2026
- Developer tools
- Plaid provides official API libraries for Node, Python, Ruby, Java, and Go, along with Link SDKs for web and mobile.plaid.com · read 30 Sep 2026
- Financial data
- Transactions provides access to up to 24 months of categorized transaction data.plaid.com · read 30 Sep 2026
- Integrations
- Plaid's partner directory lists partners including Dwolla, Checkout.com, and Humble Devs.plaid.com · read 30 Sep 2026
- Notable limit
- Plaid does not connect every financial institution, and an institution may be removed if Plaid can no longer reliably access its data.support-my.plaid.com · read 30 Sep 2026
- Payments
- Plaid Transfer processes bank payments through ACH, RTP, and FedNow.plaid.com · read 30 Sep 2026
- Products
- Plaid offers financial products for payments, fraud and risk, financial management, and onboarding.plaid.com · read 30 Sep 2026
- Security
- Plaid's security portal lists SOC 2 Type 2, ISO 27001, and ISO 27701 certifications.security.plaid.com · read 30 Sep 2026
- Support
- Plaid customers can use self-service resources and its Dashboard AI assistant; enhanced support tiers may be available to Custom plan customers.support.plaid.com · read 30 Sep 2026
- What it does
- Plaid helps people securely connect financial accounts to apps and services they choose, and lets them manage those connections.plaid.com · read 30 Sep 2026
- Who it serves
- Plaid describes Pay as You Go as best for individuals and developers, Growth for small teams and startups, and Custom for businesses that need to scale.plaid.com · read 30 Sep 2026
