Plaid Auth
Provider 
Founded 2013
Sells To Enterprises
Pricing Model Subscription
Ownership Private
Plaid Auth
Service
Plaid Auth verifies bank account ownership and enables instant micro-deposits.
- Currently Offered
Plaid Auth verifies bank account ownership and enables instant micro-deposits.
Plaid Auth verifies bank account ownership and enables instant micro-deposits for ACH payments. It replaces the traditional two-day micro-deposit wait by confirming account details in real time, supporting Same-Day ACH and instant payment rails.
Auth integrates directly with Plaid Link and supports both Auth (account and routing number) and Instant (real-time verification) modes, reducing failed payments by up to 30% compared to manual entry.
Adds products that compete with one of Plaid Auth’s direct competitors but not with Plaid Auth itself. They are shaded, and Linked Through names the direct competitor each one competes with.
| Attribute | Plaid Auth | Aerosync | Flinks Connect | Yodlee Account Verification | |
|---|---|---|---|---|---|
| Provider | |  |  |  | |
| Founded | 2013 | 2017 | 2016 | 1999 | |
| Sells To | Enterprises | — | B2B | Financial Institutions, Fintechs, Lenders, Wealth Management Firms | |
| Pricing Model | Subscription | — | Recurring Subscription | Subscription, Usage-based | |
| Ownership | Private | Venture-backed | Private | Private |
Provider
Founded 2013
Sells To Enterprises
Pricing Model Subscription
Ownership Private
Provider
Founded 2017
Sells To —
Pricing Model —
Ownership Venture-backed
Provider
Founded 2016
Sells To B2B
Pricing Model Recurring Subscription
Ownership Private
Provider
Founded 1999
Sells To Financial Institutions, Fintechs, Lenders, Wealth Management Firms
Pricing Model Subscription, Usage-based
Ownership Private
Payment verification platform enabling ACH account verification and payment enablement.
Mobile verification service for instant account verification without micro-deposits.
ACH account verification service providing instant account validation for payment and lending workflows.
Verifies bank account status and ownership in real time for payments and account funding.
TrueACH screens ACH transactions in real time to stop fraudulent debits and account-drain attempts.
Fintech-grade omni-channel account opening (in-branch/mobile/desktop/call center) from first click to funded in minutes, with 400+ risk checks and self-service config.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
Bank-payment service using open-banking account-to-account transfers as a lower-cost alternative to cards with same-day settlement.
Open banking API providing secure financial data access across thousands of institutions.
Embeddable account linking widget simplifying financial account connections across Open Banking and non-Open Banking institutions.
Open banking data API providing account information, transaction data, and insights across European and global financial institutions.
GoCardless ACH Pull automatically collects payments from customer bank accounts over the ACH network for US merchants.
Banking platform that connects small-business financial accounts to deliver cash flow and identity insights.
TrueChecks delivers real-time check-fraud detection for banks and credit unions through a shared deposit-fraud database.
Payment verification platform enabling ACH account verification and payment enablement.
Mobile verification service for instant account verification without micro-deposits.
ACH account verification service providing instant account validation for payment and lending workflows.
Verifies bank account status and ownership in real time for payments and account funding.
TrueACH screens ACH transactions in real time to stop fraudulent debits and account-drain attempts.
Fintech-grade omni-channel account opening (in-branch/mobile/desktop/call center) from first click to funded in minutes, with 400+ risk checks and self-service config.
Live Verify validates bank accounts and balances to prevent payment fraud.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
Bank-payment service using open-banking account-to-account transfers as a lower-cost alternative to cards with same-day settlement.
Open banking API providing secure financial data access across thousands of institutions.
Embeddable account linking widget simplifying financial account connections across Open Banking and non-Open Banking institutions.
Open banking data API providing account information, transaction data, and insights across European and global financial institutions.
Pay-by-bank acceptance product letting businesses take account-to-account payments through branded checkout, SDK, API, or payment link.
AI risk-and-fraud product for pay by bank, combining adaptive models, configurable guardrails, and reputation-based routing.
GoCardless ACH Pull automatically collects payments from customer bank accounts over the ACH network for US merchants.
Banking platform that connects small-business financial accounts to deliver cash flow and identity insights.
TrueChecks delivers real-time check-fraud detection for banks and credit unions through a shared deposit-fraud database.
