# Plaid

> Payments, onboarding, lending, and financial data — all through one API platform.

- **Canonical URI:** https://www.vioscale.ai/software/plaid
- **Category:** Fintech Infrastructure
- **Homepage:** https://plaid.com
- **Also known as:** plaid
- **Profile claimed by vendor:** no
- **Last updated:** 2026-08-03T09:27:05.991Z

## Vioscale score

**64.3 / 100**, confidence 63% (medium).

Composite of weighted, independently-sourced signals (no user reviews, no vendor payment).

| Signal | Score | Weight | Contribution | Evidence present |
|---|--:|--:|--:|:--:|
| price_level | 80 | 8 | 640 | ✓ |
| reliability | 50 | 16 | 800 | ✓ |
| capabilities | 67.1 | 20 | 1342.4 | ✓ |
| integrations | 100 | 14 | 1400 | ✓ |
| security_posture | 65 | 30 | 1950 | ✓ |
| pricing_transparency | 25 | 12 | 300 | ✓ |

## Pricing

_As of 2026-08-03, [verify at source](https://plaid.com). Independently observed._

Hybrid · Free tier

> Three pricing models: one-time, subscription, and per-request. Limited Production free tier with 200 API calls per product.

| Plan | Price | Free | Commitment |
|---|---|:--:|---|
| Pay as You Go | Pay only for what you use | - | monthly |
| Growth | 12-month commitment with volume discounts | - | annual |
| Custom | Contact sales | - | - |

### 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 sales)

Flexible 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**

## About

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.

_Independently observed._

## Platform & deployment

- **Platforms:** Web
- **Deployment:** Cloud / SaaS

## Integrations (1)

_Independently observed._

- 12,000+ financial institutions

## Capabilities

_The capabilities that matter for Fintech Infrastructure. "-" = undocumented, not absent._

| Capability | Supported |
|---|:--:|
| **Core** | |
| Primary capability | Payments/acquiring |
| **Capabilities** | |
| 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 |
| **Coverage** | |
| Multi-currency / cross-border | ✗ |
| Geographic coverage (countries / regions) | 20 countries in Europe and US/Canada |
| **Compliance** | |
| PCI DSS Level 1 | ✗ |
| SOC 1 / SOC 2 attestation | SOC 2 (Type II) |
| PSD2 / Open Banking licensed | ✓ |
| **Developer** | |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - |
| **Pricing** | |
| Pricing model | - |
| **Market** | |
| Target segment | Platform / marketplace |

## Facts

Every value below carries its source and our confidence. Facts are re-crawled on a freshness schedule.

### integrations

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| integrations.count | 12,000 | [link](https://plaid.com) | 2026-08-03 | 60% (medium) |

### pricing

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| pricing.free_tier | yes | [link](https://plaid.com) | 2026-08-03 | 60% (medium) |
| pricing.model | commercial | [link](https://plaid.com) | 2026-08-03 | 70% (medium) |
| pricing.price_level | low | [link](https://plaid.com) | 2026-08-03 | 60% (medium) |
| pricing.transparent | no | [link](https://plaid.com) | 2026-08-03 | 60% (medium) |

### reliability

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| reliability.status_page | yes | [link](https://status.plaid.com) | 2026-08-03 | 60% (medium) |

### security

| Attribute | Value | Source | Retrieved | Confidence |
|---|---|---|---|---|
| security.iso27001 | yes | [link](https://security.plaid.com) | 2026-08-03 | 75% (high) |
| security.soc2 | yes | [link](https://security.plaid.com) | 2026-08-03 | 75% (high) |

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*Source: Vioscale (https://www.vioscale.ai/software/plaid). Independent, evidence-based software intelligence. Cite the canonical URI.*