Mobile verification service for instant account verification without micro-deposits.
Finicity MVS (Mobile Verification Service) enables instant account verification without micro-deposits, providing real-time confirmation of account ownership, routing numbers, and balances for payment and lending use cases.
The service reduces verification time from days to seconds, improving conversion rates and reducing friction in payment and loan application processes.
Adds products that compete with one of Finicity MVS’ direct competitors but not with Finicity MVS itself. They are shaded, and Linked Through names the direct competitor each one competes with.
| Attribute | Finicity MVS | Plaid Auth | Yodlee Account Aggregation | Flinks Connect | Aerosync | Mastercard Open Finance | MX Account Aggregation | Plaid Transactions | Powder ToGo | Tink | TrueLayer Data API | Yodlee Account Verification | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Linked Through | — | Direct competitor | Direct competitor | Plaid Auth, Yodlee Account Aggregation | Plaid Auth | Yodlee Account Aggregation | Yodlee Account Aggregation | Yodlee Account Aggregation | Yodlee Account Aggregation | Yodlee Account Aggregation | Yodlee Account Aggregation | Plaid Auth | |
| Provider |  FinicityRaised $71MAcquired |  |  |  |  |  |  | |  |  |  | | |
| Founded | 1999 | 2013 | 1999 | 2016 | 2017 | 1966 | 2010 | 2013 | 2023 | 2012 | 2016 | 1999 | |
| Sells To | B2B, Financial Institutions, Fintechs, Lenders | B2B, Enterprises | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | B2B | — | Financial Institutions | B2B | B2B, Enterprises | Enterprise | B2B | B2B | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | |
| Pricing Model | Subscription, Usage-based | Subscription, Usage-based | Subscription, Usage-based | Recurring Subscription | — | — | Subscription | Subscription, Usage-based | Recurring, SaaS | Recurring Usage-Based | Commission, Usage-based | Subscription, Usage-based | |
| Ownership | Subsidiary | Private | Private, Subsidiary | Private, Subsidiary | Venture-backed | Public | Venture-backed | Private | Venture-backed | Subsidiary | — | Private, Subsidiary |
Provider FinicityRaised $71MAcquired
Founded 1999
Sells To B2B, Financial Institutions, Fintechs, Lenders
Pricing Model Subscription, Usage-based
Ownership Subsidiary
Provider
Founded 2013
Sells To B2B, Enterprises
Pricing Model Subscription, Usage-based
Ownership Private
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private, Subsidiary
Linked Through Plaid Auth, Yodlee Account Aggregation
Provider
Founded 2016
Sells To B2B
Pricing Model Recurring Subscription
Ownership Private, Subsidiary
Linked Through Plaid Auth
Provider
Founded 2017
Sells To —
Pricing Model —
Ownership Venture-backed
Linked Through Yodlee Account Aggregation
Provider
Founded 1966
Sells To Financial Institutions
Pricing Model —
Ownership Public
Linked Through Yodlee Account Aggregation
Provider
Founded 2010
Sells To B2B
Pricing Model Subscription
Ownership Venture-backed
Linked Through Yodlee Account Aggregation
Provider
Founded 2013
Sells To B2B, Enterprises
Pricing Model Subscription, Usage-based
Ownership Private
Linked Through Yodlee Account Aggregation
Provider
Founded 2023
Sells To Enterprise
Pricing Model Recurring, SaaS
Ownership Venture-backed
Linked Through Yodlee Account Aggregation
Provider
Founded 2012
Sells To B2B
Pricing Model Recurring Usage-Based
Ownership Subsidiary
Linked Through Yodlee Account Aggregation
Provider
Founded 2016
Sells To B2B
Pricing Model Commission, Usage-based
Ownership —
Linked Through Plaid Auth
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private, Subsidiary
Real-time account verification service enabling instant verification of account ownership, balance, and routing numbers without micro-deposits.
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Flinks Upload detects fraud in bank statements and void cheques, returning verified structured data plus a decision verdict.
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Real-time account verification service enabling instant verification of account ownership, balance, and routing numbers without micro-deposits.
Verifies bank account status and ownership in real time for payments and account funding.
User verification and multi-factor authentication APIs for signup and login security.
Live Verify validates bank accounts and balances to prevent payment fraud.
Plaid Identity Verification confirms consumer identity during account onboarding.
Melissa Phone Verification checks mobile and landline numbers for accuracy and deliverability.
Middesk product verifying US businesses and their owners through one API.
Identity verification and KYC/AML compliance APIs for financial services.
Online identity verification with quick integration for fintech and regulated companies.
TrueWire verifies wire transfer activity in real time to catch wire fraud before funds move.
Open-banking bank-linking product that connects and verifies customer bank accounts and returns permissioned financial data through one integration.
Socure Verify automates identity verification and KYC decisions during regulated customer onboarding.
TrueACH screens ACH transactions in real time to stop fraudulent debits and account-drain attempts.
Trulioo product automating global KYB verification and beneficial owner checks.
FaaS is Flutterwave's embedded finance API suite for fintechs and platforms.
Flinks Upload detects fraud in bank statements and void cheques, returning verified structured data plus a decision verdict.
Confirms that a consumer-provided name, social security number and date of birth match issuing-authority records.
Verifies government identity documents and selfies with liveness checks and fake-identification detection.
Self-serve tier of RiskOS giving developers pre-built identity, fraud and compliance workflows on usage-based pricing.
Identity verification and KYC platform for regulated industries in Europe.
