Plaid 2026: Benefits, Features & Pricing

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Overview
Pricing and Plans
Features
Integrations
User Reviews

Overview

Plaid

4.4

(86)

Pricing

Pricing available upon request

About Plaid

Plaid is a cloud-based financial solution that helps users establish a connection between applications and bank accounts to access banking data. It allows to authenticate accounts, check balances, verify identity, validate income, verify assets and more.

Designed to facilitate both lenders and borrowers, Plaid offers secure access to the bank information. It offers a host of features including transaction history, Automated Clearing House (ACH) authentication, real-time account balance, assets verification, employer verification and more. Additionally, it allows verifying email, mailing address, phone number and generating reports in JavaScript Object Notation (JSON) and Portable Document Format (PDF).

Providing information on geolocation, merchant, and categories, Plaid directly integrates with any digital loan application to provide real-time updates. Pricing of the offering is based on the number of instances and per month basis. Support is extended via online help desk.

Plaid Screenshots

Plaid Pricing and Plans

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Plaid Features

Popular features found in Financial Services
Billing & Invoicing
Financial Management
For Financial Institutions
Reporting/Analytics
Risk Management
Transaction Monitoring
More features of Plaid
Access Management
ACH Payment Processing
Activity Monitoring
Address Validation
Age Verification
AML Compliance
Anomaly Detection
API
Applicant Tracking
Audit Management
Authentication
Auto Loans
Automated Decisioning/Underwriting
Automatic Funds Distribution
Background Screening
Bank Reconciliation
Behavioral Analytics
Behavior Tracking
Biometrics
Borrower Management
Budgeting/Forecasting
Business Loans
Candidate Profiles
Cash Flow Management
Cash Management
Check Fraud Detection
Claims Management
Claims Scrubbing
Client Management
Commercial Properties
Compliance Management
Compliance Tracking
Consent Management
Contact Database
Core Banking
Credit Card Processing
Credit Check
Credit Reporting
Credit Risk Management
Criminal History Verification
CRM
Cryptocurrency Processing
Customer Data Management
Customer Experience Management
Custom Fraud Rules
Customizable Templates
Dashboard
Data Import/Export
Data Management
Data Security
Data Synchronization
Data Verification
Debt Management
Digital Asset Management
Direct Deposit
Document Management
Duplicate Detection
Electronic Funds Transfer
Electronic Payments
Enterprise Risk Management
Expense Tracking
Financial Analysis
Financial Reporting
Financial Risk Reporting
For Banking
For eCommerce
For Insurance Industry
Fraud Detection
Geolocation
Graphical User Interface
Identity Verification
Income & Balance Sheet
Instant Check
Insurance Eligibility Verification
Integrated Development Environment
Internal Fraud Monitoring
Investment Management
Investments Tracking
KYC Compliance
Lending Management
Lifecycle Management
Liveness Detection
Loan Management
Loan Origination
Loan Portfolio Management
Loan Processing
Loan Servicing
Maintenance Management
Mobile Access
Mobile Card Reader
Mobile Payments
Monitoring
Mortgages
Multi-Factor Authentication
Multiple Authentication Methods
Multiple Payment Options
Onboarding
Online Applications
Online Banking
Online Payments
Online Wallets
Optical Character Recognition
Outsource Processing
P2P Payments
Payment Fraud Prevention
Payment Tracking
Payroll Management
Payroll Reporting
PEP Screening
Performance Management
Performance Metrics
Portfolio Analysis
Pre-Qualification
Profit/Loss Statement
Property Database
Real-Time Analytics
Real-Time Data
Real-Time Monitoring
Real-Time Reporting
Recurring Invoicing
Recurring/Subscription Billing
Rent Tracking
Reporting & Statistics
Retail Banking
Revenue Management
Risk Alerts
Risk Analysis
Risk Assessment
Risk Reporting
Risk Scoring
Secure Data Storage
Status Tracking
Stock Management
Student Loans
Tax Compliance
Tenant Screening
Third-Party Integration
Transaction History
User Onboarding
Watch List
Web/Mobile App Development

Plaid Integrations

MeridianLink Opening

Codat

Dwolla

Turnkey Lender

Ocrolus

Riskified

See all 17 integrations

Plaid User Reviews

Overall Rating

4.4

Ratings Breakdown

64%

21%

Secondary Ratings

Ease of Use

4.5

Value for money

4.4

Customer support

4.3

Functionality

4.4

Sean C.

Verified reviewer

Automotive

2-10 employees

Used weekly for less than 12 months

Review source

Reviewed February 2026

Great software

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Plaid is a fantastic banking and payment tool, helping to seamlessly integrate bank accounts safely. Customer support is also fantastic

Cons:

No real downsides to note. Any small issue I had was easily remedied by customer support and no issues further happened

Verified

Reviewer

Non-Profit Organization Management

11-50 employees

Used weekly for less than 12 months

Review source

Reviewed January 2026

Plaid Helps Our HOA

Our overall experience with Plaid has been very good. It enables us to seamlessly link our bank accounts with our HOA software.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Plaid enables us to link our HOA software with our bank accounts. It is easy to use, and it is a great value because we can use it free of charge! Plaid enables us to process payments and transfer funds between accounts.

Cons:

I can't think of a negative for using Plaid. Once we connected our bank accounts to our HOA software, it is basically invisible.

Reasons for switching to Plaid

We wanted online accounting with our HOA software.

Jamie H.

Verified reviewer

Food & Beverages

2-10 employees

Used daily for more than 2 years

Review source

Reviewed January 2026

It’s convenient, but it could use some work

Although my overall experience with plaid is about 75% it’s a wonderful platform to verify your banking information fairly quickly. I just worry about other people that may have an old number of mine having access to my old banking information.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The take away from plaid is having all of your immediate banking information and verification at your fingertips. And it’s fairly easy to use.

Cons:

A few cons that I have about plat is the fact that you cannot verify Cash app or PayPal 70% of people use those platforms however they’re not compatible with plaid. Another thing that I disliked is that you’re begging information is linked to that number until you physically remove it. I’ve had instances where I had a new number and I had to verify my bank through Platt and someone else else’s banking information popped up.

Tristan M.

Verified reviewer

Computer Software

Self-Employed

Used daily for less than 12 months

Review source

Reviewed January 2026

Good experience

My overall experience with plaid is good as it’s been a helpful experience for my financial situations.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

I’ve been using this software for a year now for my tech business for linking making it very easy for Payments and transfers.

Cons:

What I like least about plaid is the support where I needed help with a transaction and didn’t get much help.

Jamie L.

Verified reviewer

Child Day Care Services

2-10 employees

Used monthly for less than 12 months

Review source

Reviewed January 2026

Plaid keeps your identity safe, easily!

My overall experience with Plaid has been great! I know my information is safe when I need to log in to third party banking and the ease of use is fantastic!

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

What I like most about Plaid is the ease of use, especially when logging into secure online banking from third parties. I can be sure my information is safe when I use Plaid.

Cons:

I have no complaints about Plaid. Plaid is a great program to use when needing secure online banking authorization.

Catheryn S.

Verified reviewer

Utilities

Self-Employed

Used weekly for less than 12 months

Review source

Reviewed February 2026

Fast and Secure

Plaid is an Easy, safe, secured reliable and accessible form of bill payment. I would encourage others who maybe looking tor the features to give it a try.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

confident using Plaid because it encrypts connections and doesn’t permanently store bank login info. once connected, the payment process — including ACH-based bill payments — generally works without major hassles and avoids repeated manual input.

Cons:

Smaller banks and credit unions are not supported through here and that can be difficult to navigate

Verified

Reviewer

Civic & Social Organization

501-1000 employees

Used monthly for less than 2 years

Review source

Reviewed December 2025

Great software!

Ratings Breakdown

Ease of use

Functionality

Pros:

Super easy to use and great user interface, can connect multiple platforms very easily and fairly quickly.

Cons:

Sometimes repetitive in setting up account connections, I find myself often doing the same actions and confirming several times.

Adashia F.

Verified reviewer

Health, Wellness and Fitness

Self-Employed

Used monthly for more than 2 years

Review source

Reviewed February 2026

Decent for connecting bank accounts and doing money transfers.

Decent for connecting bank accounts and doing money transfers. I have not used it for anything else.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

VALUE FOR MONEY - free to use as a consumer EASE OF USE - decent PAYMENT PROCESSING - good BANKING - good MONEY TRANSFER - good

Cons:

Sometimes the platform does not work or connect bank accounts correctly. Other than that, I have no cons about the platform.

Bre N.

Verified reviewer

Construction

11-50 employees

Used monthly for less than 2 years

Review source

Reviewed February 2026

Must give it a try

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Ease of use for banking purposes. It is great to have when needing to sign into banking for payment processing reasons.

Cons:

I did not “not” like anything about plaid. I really enjoy using this service. Would recommend to friends and family.

Leahya W.

Verified reviewer

Aviation & Aerospace

1001-5000 employees

Used monthly for free trial

Review source

Reviewed December 2025

Convenient, but not upfront with consumers

Ratings Breakdown

Ease of use

Functionality

Pros:

Plaid allows seamless transition between bank accounts and financial service products. Plaid incorporates both verification and account linking in the fastest manner possible.

Cons:

The only issue I have with Plaid is that it does not make it clear that they store data on consumer spending. This causes disgruntled consumers, which cannot be fixed after the information has been taken.

Showing 1 - 10 of 86 Reviews

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