Plaid
Plaid helps people connect financial accounts to apps and services they choose, then manage those connections.
What Plaid 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. Supported data types include account and routing numbers, balances, identity, transactions, investments, liabilities, income, and statements; statements are available in PDF format. Connections can use credentials, OAuth, app-to-app OAuth, or manual and micro-deposit flows, and refreshes are on demand. Developers have API libraries for Node, Python, Ruby, Java, and Go, plus Link SDKs for web and mobile. Plaid Portal lets users see connected apps, manage permissions, and disconnect accounts. The listed platforms are Android, iOS, web, and API. Pricing is on request, with no free plan and a trial available; the free Trial plan is limited to eligible US and Canada teams created on or after April 15, 2026.
Good
- Link connects to more than 12,000 institutions.
- Transactions offers up to 24 months of categorized data.
- Portal supports permission management and disconnection.
- API libraries cover five listed programming languages.
- Lists SOC 2 Type 2 and ISO certifications.
Watch out
- Does not connect every financial institution.
- No free plan; pricing is on request.
- Free trial is limited to eligible US and Canada teams.
Who it suits
Plaid is suited to people and organizations connecting financial accounts to selected apps, as well as developers integrating its APIs and Link SDKs. Its listed plans address individuals and developers, small teams and startups, and businesses seeking to scale.
Verdict
Plaid provides account connections, financial data access, and payment products, with tools for both users and developers. Institution coverage is not universal, and plan eligibility and pricing should be checked against your needs.
Plans and prices
From Plaid's own pricing page, checked 30 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Trial | Free | Up to 10 Production Items · Most OAuth institutions · Free access for eligible US and Canada teams created on or after April 15, 2026. |
| Custom | Priced on request | Volume discounts · Beta products · Integration assistance · Premium support · Account management · Custom pricing; contact sales. |
| Growth | — | Discounted product rates · Platform support package · Single Sign-On for Plaid Dashboard · 12-month commitment. |
| Pay as You Go | — | Unlimited live API calls · GA products · Link customization · Month-to-month; only pay for what you use. |
The facts
Each one read from Plaid's own pages, with the date it was checked.
What it does
- Account connection
- Plaid Link connects users to more than 12,000 financial institutions.checked 30 Sep 2026
- Data controls
- Plaid Portal lets users view connected apps, manage permissions, and disconnect accounts.checked 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.checked 30 Sep 2026
- Financial data
- Transactions provides access to up to 24 months of categorized transaction data.checked 30 Sep 2026
- Integrations
- Plaid's partner directory lists partners including Dwolla, Checkout.com, and Humble Devs.checked 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.checked 30 Sep 2026
- Payments
- Plaid Transfer processes bank payments through ACH, RTP, and FedNow.checked 30 Sep 2026
- Products
- Plaid offers financial products for payments, fraud and risk, financial management, and onboarding.checked 30 Sep 2026
- Security
- Plaid's security portal lists SOC 2 Type 2, ISO 27001, and ISO 27701 certifications.checked 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.checked 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.checked 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.checked 30 Sep 2026
Alternatives to Plaid
- 1
TrueLayer Data API
Free planAndroidiOSWebAPI6.9Free plan - 2
Lean Payments
AndroidiOSWebAPI6.4 - 3
Crezco
WebAPI6.1From £10 a month - 4
Pay by Bank from allpay
AndroidiOSWeb6.1 - 5
TrueLayer Payments
AndroidiOSWebAPI6.1 - 66.0