Plaid
Payments, onboarding, lending, and financial data — all through one API platform.
- Also known as
- plaid
What is Plaid?
Plaid is an API platform that enables companies to connect to financial data, process payments, and build lending solutions through 12,000+ financial institutions across 20 countries.
Plaid pricing
Plans, per-tier features and add-ons, dated and linked to live pricing. Pricing changes often; always verify at source before you rely on it.
Three pricing models: one-time, subscription, and per-request. Limited Production free tier with 200 API calls per product.
Pay as You Go
Month-to-month plan with unlimited usage and no upfront commitments.
- Access to GA products
- Unlimited live API calls
- Link customization
- Standard pricing
Growth
12-month commitment with discounts and platform support.
- Everything in Pay as You Go
- Discounted product rates
- Platform support package
- Single Sign-On for Plaid Dashboard
- Account management
Custom
Contact salesFlexible plan with custom solutions and volume-based pricing for regulated industries.
- Everything in Growth
- Access to beta products
- Volume discounts
- Integration assistance
- Premium support
- Account management
Add-ons
- Layer
- Signal
- Transfer
- Consumer Report
- Protect
What Plaid does
The capabilities that matter for fintech infrastructure, normalised so it lines up with every alternative. “-” means we haven't confirmed it, not that it's missing.
- Primary capability
- Payments/acquiring
- Payments / acquiring
- ✓
- Card issuing
- ✗
- Banking-as-a-service / accounts
- ✗
- Data aggregation / open banking
- ✓
- Payouts / disbursements
- ✓
- Money movement rails (ACH, RTP, wire, card)
- ACH, RTP, FedNow
- Multi-currency / cross-border
- ✗
- Geographic coverage (countries / regions)
- 20 countries in Europe and US/Canada
- PCI DSS Level 1
- ✗
- SOC 1 / SOC 2 attestation
- SOC 2 (Type II)
- PSD2 / Open Banking licensed
- ✓
- SDK language coverage (Node, Python, Ruby, Java, Go)
- -
- Pricing model
- -
- Target segment
- Platform / marketplace
Platform & deployment
Independently observed- Web
- Cloud / SaaS
Integrations (1)
Independently observed- 12,000+ financial institutions
Plaid alternatives
Other fintech infrastructure we track, ranked by the same independent score.
- AdyenOne platform for payments, data, and financial productsmedium · 50%
- AirwallexTrusted Global Payments & Financial Platformlow · 34%
- YapilyOpen banking platform for frictionless financelow · 22%
- Modern TreasuryBuild Products That Move Moneylow · 43%
- TrueLayerEurope's leading open banking platformlow · 35%
- CurrencycloudMoving money shouldn't be hardlow · 13%
The Vioscale score: one lens on the evidence
Not user reviews and not a paid placement: a confidence-weighted blend of the independent signals below (adoption, activity, security posture, and more), which you can sort and re-weight yourself. Vendors can correct their listing but can never move their rank, and stars are weighted low as a vanity metric. It is one way to read the evidence for Plaid, not the verdict.
| Signal | Score | Weight | Contribution | Evidence |
|---|---|---|---|---|
| Security Posture | 65 | 30.00 | 1950.0 | ✓ |
| Integrations | 100 | 14.00 | 1400.0 | ✓ |
| Capabilities | 67 | 20.00 | 1342.4 | ✓ |
| Reliability | 50 | 16.00 | 800.0 | ✓ |
| Price Level | 80 | 8.00 | 640.0 | ✓ |
| Pricing Transparency | 25 | 12.00 | 300.0 | ✓ |
Computed . Re-weight it by intent, or see the full method.
All data & sourcesshow ↓
Every value we hold, with its source, retrieval date, and confidence. This is the evidence behind the score: don't trust it, verify it.
Features
| Attribute | Value | Evidence |
|---|---|---|
| Capabilities | {"capability":"payments","pci_dss_l1":false,"money_rails":"ACH, RTP, FedNow","card_issuing":false,"geo_coverage":"20 countries in Europe and US/Canada","baas_accounts":false,"multi_currency":false,"target_segment":"platform","soc_attestation":"soc2","data_aggregation":true,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true} | mediumsource · 2026-08-03 · 60% |
Integrations
| Attribute | Value | Evidence |
|---|---|---|
| Count | 12,000 | mediumsource · 2026-08-03 · 60% |
Pricing
Reliability
| Attribute | Value | Evidence |
|---|---|---|
| Status page | Yes | mediumsource · 2026-08-03 · 60% |