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Plaid

4.4
(38)

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Platform that enables apps to connect with bank accounts

(37)

Plaid Pricing, Features, Reviews and Alternatives

Plaid FAQs

Q. What type of pricing plans does Plaid offer?

Plaid has the following pricing plans:
Pricing model: Free, Subscription

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Q. Who are the typical users of Plaid?

Plaid has the following typical customers:
Large Enterprises, Mid Size Business, Small Business

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Q. What languages does Plaid support?

Plaid supports the following languages:
English

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Q. Does Plaid support mobile devices?

Plaid supports the following devices:
Android, iPad, iPhone

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Q. Does Plaid offer an API?

Yes, Plaid has an API available for use.

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Q. What other apps does Plaid integrate with?

Plaid integrates with the following applications:
Payrix, SoftLedger, Forwardly, Floify, PayHOA, Rentec Direct, LendFoundry, Flatly, OneHash, Patriot Accounting, MeridianLink Opening, Unqork, LendingFront, Dwolla, GiveForms, Blend, Landlord Studio , ExpensePoint

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Q. What level of support does Plaid offer?

Plaid offers the following support options:
Email/Help Desk, FAQs/Forum, Knowledge Base, Chat

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Plaid product overview

What is Plaid?

Plaid is a technology platform which enables connection between applications and users’ bank accounts for account authentication, real-time balance checks, identity verification, income validation, asset verification, and more. Thousands of US and Canadian financial institutions are supported, as are business and consumer bank accounts.

Key benefits of using Plaid

  • Plaid’s Auth solution enables the authentication of accounts for ACH without the need for microdeposits, allowing the instant authentication of transfers.

  • The Balance solution can be used to pull both historical and real-time balance data before transfers are made, including current and available balance information, to prevent overdrafts and non-sufficient funds (NSF) fees.

  • Bank data, including names, addresses, and phone numbers, can be used to verify user identities with the Identity solution, with the aim of reducing fraud.

  • Historical transaction data for the past 24 months can be accessed using the Transactions solution, with contextual information including category, merchant, and geolocation data.

  • The Assets solution can be used to verify borrower assets using financial data from borrowers’ bank accounts, and generate reports in both JSON and PDF formats.
  • Typical customers

    Freelancers
    Small businesses
    Mid size businesses
    Large enterprises

    Platforms supported

    Web
    Android
    iPhone/iPad

    Support options

    Email/Help Desk
    FAQs/Forum
    Knowledge Base
    Chat

    Training options

    In Person
    Documentation

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    Plaid pricing information

    Value for money

    4.5

    /5

    38

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    Pricing options

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    Free trial
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    Value for money contenders

    Plaid features

    Functionality

    4.4

    /5

    38

    Total features

    53

    10 categories

    Most valued features by users

    API
    Compliance Management
    Real Time Reporting
    Real Time Data
    Document Management
    ACH Payment Processing
    Address Validation
    Auto Loans

    Functionality contenders

    Plaid users reviews

    Overall Rating

    4.4

    /5

    38

    Positive reviews

    Rating breakdown
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend8.61/10
    Rating distribution

    5

    4

    3

    2

    1

    26

    6

    4

    0

    2

    Pros
    I have found Plaid to be an outstanding platform overall, and it has considerably improved my ability to manage my finances.
    I have been amazed by Plaid's powerful and dependable financial data connection capabilities.
    I love how robust their integrations are across many different payment/banking platforms.
    Cons
    WaveApps.com reliance on Plaid a horrible decision.
    It can have some issues authenticating banks with two-factor authentication enabled. Canadian integration is lagging behind the American one.
    No app for the software there’s also no way to remember or connect accounts to a profile.

    Overall rating contenders

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    Joseph M.

    Civil Engineering, 201-500 employees

    Used weekly for 2+ years

    Review source

    Overall Rating
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend10/10

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    Agrxis Review on Plaid

    Reviewed 7 months ago

    I have found Plaid to be an outstanding platform overall, and it has considerably improved my ability to manage my finances. It is tremendously straightforward to view and evaluate my financial data in real time because to the smooth interface with numerous financial institutions. My time and effort have been greatly reduced by how simple it was to link my bank accounts, credit cards, and other financial...

    Pros

    I have been amazed by Plaid's powerful and dependable financial data connection capabilities. As a result of the platform's smooth interaction with numerous financial institutions, I can quickly get and examine banking data. Real-time data access, which offers accurate and up-to-date insights into my financial activity, is one of the features I value most. I feel secure knowing that my financial information is secure because to Plaid's security safeguards. In addition, integrating Plaid into my own applications has been a breeze thanks to the developer-friendly APIs and documentation. The Plaid support staff has been accommodating and supportive, swiftly responding to any questions or concerns.

    Cons

    Although Plaid offers useful capabilities for integrating financial data, there have been a few elements that I haven't found to be as positive in my experience. The data I got from several financial organizations occasionally had inconsistencies, which was one of my problems. To make sure the information was accurate and consistent, more work was needed. The provision of support for a wider range of foreign banks and financial institutions is another area that may be enhanced. As a foreign user, I discovered that Plaid did not support all of the institutions I work with, which constrained the extent of data integration.

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    David V.

    Financial Services, 11-50 employees

    Used weekly for 1-2 years

    Review source

    Overall Rating
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend8/10

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    Plaid is the only game in town for connecting to any financial service

    Reviewed 3 years ago

    We use Plaid to check bank balances and to accept ACH payments. It works great for both purposes. Be aware that some financial platforms (banks) are hostile to Plaid (to the extent of suing Plaid) and have sporadic availability. Some platforms have an arrangement with Plaid that requires you to complete additional documentation steps, like sharing your security policies and business information. Presumably, you get more reliable integration in exchange. For our use case, the cost of Plaid is trivial, but to accept ACH payments, Plaid integrates with Stripe, which does charge a fee for the actual payment. Bottom line, no other service can offer what Plaid can, so if you want your customers to connect to their financial institution to your product, Plaid is your only option.

    Pros

    Plaid is relatively easy to setup and use. The API documentation is great and API credential setup is easy. The SDK supports all common platforms, and rich code samples are provided.

    Cons

    Getting approved for production access was a paid. The support team ignored requests. We had to create a second account, which was finally approved. Why this was needed is a mystery. Plaid will push an expensive monthly plan, but it's not needed for sporadic access.

    MG
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    Marcie G.

    Construction, 1-10 employees

    Used monthly for 2+ years

    Review source

    Overall Rating
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend10/10

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    Most useful app I have seen in a long time.

    Reviewed 5 days ago
    Pros

    Plaid provides a valuable & necessary Service. Plaid gives me the ability to connect my financial accounts with different apps which in turn makes me managing my finances a breeze and saves me a ton of time. Their security features allow me to feel confident that my financial information is safe in this online environment.

    Cons

    The only con I have come across using Plaid is that some smaller financial institutions i.e. local banks, small credit Unions are not included in their system. I would like to see more institutions included. As well a broader range, investing apps such as Public or Plynk for example.

    AR
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    Verified reviewer

    Consumer Goods, 1-10 employees

    Used monthly for 1-2 years

    Review source

    Overall Rating
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend3/10

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    I could live without plaid

    Reviewed a month ago

    I think this platform wax that form wax a lot I think it needs to have an easier way to find your and verify your account and I think that as mainstream as one time yousing prepaID Cards and accounts are coming that it shouldn't include those 2 what are you what have you got I know you've got a vape I can smell the damn thing strawberries it's that pink vape isn't it

    Pros

    The only thing good about plot is that you might be able to verify your bank maybe

    Cons

    I think plad should include all money moving services not just the ones that they choose

    SN
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    Steve N.

    Accounting, 1-10 employees

    Used daily for 2+ years

    Review source

    Overall Rating
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend10/10

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    Great for importing customer data

    Reviewed 2 months ago
    Pros

    Plaid was easy to implement and import data from multiple sources in one format.

    Cons

    Some of the connections have issues and some institutions are not supported.

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