Payment Providers
Founded:
Headquarters:
Email:
...
Trusted by:
Major players in fintech, banking, payments, lending, and personal finance, including organizations that require secure financial data connectivity and seamless user experiences.
Credit Card Payments
Debit Card Payments
Bank Transfers
Digital Wallets
Mobile Payments
Cryptocurrency Payments
Buy Now, Pay Later (BNPL)
Direct Debit
METHODS
Payment Gateways
Payment Processors
Merchant Acquirers
Issuing Banks
Acquiring Banks
Peer-to-Peer (P2P) Payment Providers
White-Label Payment Providers
Crypto Payment Processors
TYPES
Payment Processing
Fraud Detection & Prevention
Recurring Billing & Subscriptions
Chargeback Management
Multi-Currency Support
Payment Tokenization
Compliance & Regulatory Support
Real-Time Transaction Monitoring
SERVICES
2013
Overview
Plaid is a leading financial technology company that enables seamless connections between consumer bank accounts and digital applications. Founded in 2013 and headquartered in San Francisco, Plaid powers the global shift toward open banking by providing secure APIs that help developers, financial institutions, and businesses build innovative digital finance experiences. Its platform supports a wide range of services, including payments, lending, personal finance, and wealth management, by giving users control over how their financial data is shared and used. Trusted by thousands of fintechs, banks, and enterprises worldwide, Plaid serves as the backbone for popular apps across North America, Europe, and beyond. With a focus on security, transparency, and compliance, Plaid empowers both businesses and consumers to interact with financial data safely and efficiently. By simplifying connectivity and enabling smarter money movement, Plaid is reshaping the way people engage with their finances in the digital economy.
Top Features
Bank Account Connectivity – Enables users to securely link their bank accounts to apps and services.
Instant Account Verification (IAV) – Quickly verifies bank account ownership to facilitate seamless transactions.
Transaction Data Access – Provides real-time insights into users’ financial activity, including spending patterns and income sources.
Income Verification – Confirms a user’s income by analyzing direct deposits and financial history.
Identity Verification – Ensures compliance and reduces fraud by validating user identity details.
Balance Checks – Allows apps to check real-time account balances to prevent overdrafts or failed transactions.
Payment Initiation – Enables direct bank-to-bank payments without requiring card details.
Fraud Detection & Risk Insights – Analyzes transaction data to detect suspicious activity and prevent fraud.
Multi-Bank Aggregation – Collects financial data from multiple banks, giving users a unified view of their finances.
Secure API Integrations – Provides developers with easy-to-use APIs to integrate Plaid’s financial data solutions into their apps.
Fees & Pricing
Account Linking: Free for consumers; businesses may incur service fees based on usage
Instant Account Verification (IAV): Fees apply per verification request, with volume-based discounts available
Transaction Data Access: Charged per connected account, with subscription-based pricing for ongoing data access
Balance Checks: Per-request fee applies, with bulk pricing for high-volume users
Identity Verification: Custom pricing based on verification volume and risk assessment needs
Payment Initiation: Fees per transaction, with reduced rates for high-volume merchants
Fraud Detection & Risk Insights: Custom pricing depending on risk analysis depth and transaction volume
Enterprise Solutions: Custom pricing tailored to business size, transaction volume, and integration complexity