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Plaid Logo

Platform that enables apps to connect with bank accounts

Last updated: January 2025

Table of Contents

Plaid - 2025 Pricing, Features, Reviews & Alternatives

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.

Plaid’s Auth solution can be used to authenticate bank accounts for ACH payments without requiring microdeposits, allowing transactions to be authenticated instantly. Users are added with the credential-based flow, and account holder information can be retrieved to authorize transactions at any time once a user is added. The Balance solution can pull real-time current and available balance information as well as historic balance data, account type and status information. This solution can be used to prevent non-sufficient funds (NSF) and overdraft fees for customers by ensuring they have sufficient available balance before transactions are processed. Identity enables the verification of user identities against bank records to reduce fraud. Email and mailing addresses, phone numbers, and names can be checked, and forms can be auto-filled with account holder information.

The Transactions solution pulls transaction data for the past 24 months, with context including geolocation, category, and merchant information. Both pending and completed transactions can be accessed. Plaid’s Assets solution enables the verification of borrower assets from bank records, and generates reports in JSON and PDF formats. Income can be used to validate multiple income sources and verify employment information in real time, including the previous year’s pre- and post-tax income, projected pre- and post-tax income, and number of income streams.

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.
  • Starting from

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    No pricing info

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    Plaid's key features

    Most critical features, based on insights from Plaid users:

    ACH Payment Processing
    Cash Management
    Real-Time Monitoring
    Fraud Detection
    Source Control
    Online Payments

    All Plaid features

    Features rating:

    Optical Character Recognition
    Data Security
    Online Banking
    Document Management
    Real-Time Analytics
    Real-Time Data
    Expense Tracking
    Reporting & Statistics
    Budgeting/Forecasting
    Risk Management
    Secure Data Storage
    Graphical User Interface
    Access Management
    KYC Compliance
    Age Verification
    AML Compliance
    API
    Identity Verification
    Transaction Monitoring
    Transaction History
    Mobile Access
    Real-Time Reporting
    Risk Alerts
    Mobile Payments
    Financial Reporting
    Recurring/Subscription Billing
    Multiple Payment Options
    Multi-Factor Authentication
    Liveness Detection
    Multiple Authentication Methods
    Onboarding
    Online Applications
    Loan Management
    Investments Tracking
    Online Wallets
    Mortgages
    Monitoring
    Loan Origination
    Lending Management
    Loan Portfolio Management
    Mobile Card Reader
    Maintenance Management
    Loan Servicing
    Loan Processing
    Lifecycle Management
    Web/Mobile App Development
    Watch List
    User Onboarding
    Tenant Screening
    Tax Compliance
    Student Loans
    Stock Management
    Status Tracking
    Risk Scoring
    Risk Reporting
    Risk Assessment
    Risk Analysis
    Revenue Management
    Retail Banking
    Reporting/Analytics
    Rent Tracking
    Recurring Invoicing
    Property Database
    Profit/Loss Statement
    Pre-Qualification
    Portfolio Analysis
    Performance Metrics
    Performance Management
    PEP Screening
    Payroll Reporting
    Payroll Management
    Payment Tracking
    Payment Fraud Prevention
    P2P Payments
    Outsource Processing
    Credit Reporting
    Credit Check
    Credit Card Processing
    Core Banking
    Contact Database
    Consent Management
    Compliance Tracking
    Compliance Management
    Commercial Properties
    Client Management
    Claims Scrubbing
    Claims Management
    Check Fraud Detection
    Cash Flow Management
    Candidate Profiles
    Business Loans
    Borrower Management
    Biometrics
    Billing & Invoicing
    Behavioral Analytics
    Behavior Tracking
    Bank Reconciliation
    Background Screening
    Automatic Funds Distribution
    Automated Decisioning/Underwriting
    Auto Loans
    Authentication
    Audit Management
    Applicant Tracking
    Anomaly Detection
    Address Validation
    Activity Monitoring
    Investment Management
    Internal Fraud Monitoring
    Integrated Development Environment
    Insurance Eligibility Verification
    Instant Check
    Income & Balance Sheet
    Geolocation
    For Insurance Industry
    For eCommerce
    For Banking
    Financial Risk Reporting
    Financial Management
    Financial Analysis
    Enterprise Risk Management
    Electronic Payments
    Electronic Funds Transfer
    Duplicate Detection
    Direct Deposit
    Digital Asset Management
    Debt Management
    Data Verification
    Data Synchronization
    Data Management
    Data Import/Export
    Customizable Templates
    Customer Experience Management
    Customer Data Management
    Custom Fraud Rules
    Cryptocurrency Processing
    CRM
    Criminal History Verification
    Credit Risk Management

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    Value for money rating:

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    Subscription
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    Pricing range

    Plaid integrations (109)

    Integrations rated by users

    We looked through 55 user reviews, to identify which products are mentioned as Plaid integrations, and what is the users perception.

    Forwardly logo
    Forwardly

    Integration rating: 5.0 (1)

    The merging of Plaid and Forwardly has completely changed the way I handle my money. This integration has completely changed the playing field for me as someone who values efficiency and ease. I can easily link and sync my bank accounts, credit cards, and other financial accounts with the Forwardly's user-friendly interface thanks to the forward-thinking financial management platform from Forwardly and Plaid's strong data connectivity. This integration saves me time and guarantees accuracy by getting rid of the inconvenience of manually tracking and reconciling transactions. In order to have a clear image of my financial situation, I can simply monitor and classify my expenses, create budgets, and track my spending habits in real time. I can rest easy knowing that my financial information is secure because to Plaid's secure connection. With Forwardly and Plaid working seamlessly together, I have the tools and insights I need to make informed financial decisions and achieve my financial goals.

    AvatarImg

    Joseph Mwaura

    Senior Engineer

    Flatly logo
    Flatly

    Integration rating: 5.0 (1)

    The integration between Flatly and Plaid has revolutionized my financial management processes. As someone who values simplicity and accuracy in financial data management, I can confidently say that this integration is a game-changer. With Flatly's powerful data automation capabilities and Plaid's secure financial data connectivity, I can seamlessly connect and sync my bank accounts, credit cards, and other financial accounts with Flatly's intuitive platform. This integration eliminates the need for manual data entry and reconciliation, saving me valuable time and reducing the risk of errors. I can easily track my income, expenses, and transactions in real-time, allowing me to have a clear and up-to-date view of my financial health. The ability to access and analyze my financial data in one centralized location provides me with valuable insights and helps me make informed decisions about budgeting, savings, and financial planning. Moreover, the secure nature of Plaid's data connectivity ensures that my financial information remains protected and confidential. The integration between Flatly and Plaid has truly simplified and optimized my financial management processes, giving me peace of mind and empowering me to take control of my finances effectively.

    AvatarImg

    Joseph Mwaura

    Senior Engineer

    SoftLedger logo
    SoftLedger

    Integration rating: 5.0 (1)

    My financial management procedures have drastically improved as a result of the integration between SoftLedger and Plaid. As a frequent user of both platforms, I love the seamless connectivity and improved features it offers. I can easily integrate and reconcile my financial transactions from several sources right into SoftLedger thanks to the connectivity. I can quickly access real-time financial data from my bank accounts, credit cards, and other financial institutions thanks to Plaid's safe and dependable data communication. I no longer have to spend many hours manually entering data, and the accuracy and integrity of my financial records are guaranteed by this automation.

    AvatarImg

    Joseph Mwaura

    Senior Engineer

    Blend logo
    Blend

    Integration rating: 5.0 (1)

    The integration between Blend and Plaid has significantly improved my capacity to give my consumers a smooth and effective digital lending experience. I can't emphasize enough how crucial this integration is for my business as someone who values efficiency, precision, and convenience. I can quickly and securely access customers' financial information directly within the Blend platform thanks to Plaid's secure financial data integration and Blend's robust lending platform. This integration speeds the loan application process, gets rid of the need for manual document collection and verification, and guarantees the reliability of the data I rely on. I can easily get bank account information, transaction history, and other financial data by utilizing Plaid's strong data connectivity, empowering me to make wise loan decisions. The combination of Blend and Plaid empowers me to provide a seamless and transparent lending experience to my customers, reducing friction, enhancing customer satisfaction, and ultimately driving business growth.

    AvatarImg

    Joseph Mwaura

    Senior Engineer

    Plaid support options

    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

    Training options

    Documentation
    Videos

    Plaid reviews

    Overall rating

    4.3

    /5

    55

    Positive reviews

    80

    %

    Rating breakdown
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend8.29/10
    Rating distribution

    5

    4

    3

    2

    1

    34

    10

    6

    1

    4

    Pros
    I have found Plaid to be an outstanding platform overall, and it has considerably improved my ability to manage my finances.
    I love how robust their integrations are across many different payment/banking platforms.
    I like that it’s a secure website for you banking and to login to your account.
    Cons
    Lagging, crashing, stalling, slow, redundant, repetitive, exhausting.
    WaveApps.com reliance on Plaid a horrible decision.
    Sometimes it takes months to remedy a problem. By the time a user's issue is rectified, they may have given up and terminated their accounts.

    Plaid FAQs

    Q. What type of pricing plans does Plaid offer?

    Plaid has the following pricing plans:
    Starting from: $0.00/month
    Pricing model: Free, Subscription

    These products have better value for money


    Q. Who are the typical users of Plaid?

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


    Q. What languages does Plaid support?

    Plaid supports the following languages:
    English, Danish, Dutch, Estonian, French, German, Italian, Latvian, Lithuanian, Norwegian (Bokmal), Polish, Portuguese, Romanian, Spanish, Swedish


    Q. Does Plaid support mobile devices?

    Plaid supports the following devices:
    Android, iPad, iPhone


    Q. Does Plaid offer an API?

    Yes, Plaid has an API available for use.


    Q. What other apps does Plaid integrate with?

    Plaid integrates with the following applications:
    Adyen, Alpaca, VoPay, Turnkey Lender, VGS, Ocrolus, Riskified, MeridianLink Opening, Stripe, Vesta, Atomic, Codat, Gusto, Dwolla, Finix, TrueNorth, Airwallex, Checkbook, Roll by ADP


    Q. What level of support does Plaid offer?

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

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