Plaid vs. flowpilot Comparison


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About Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services.	About flowpilot offers 100% transparency in all financial matters. With just a few clicks you can connect the bank and accounting department and plan your future cash flow. Based on meaningful scenarios, you make better business decisions, supported by smart tools and artificial intelligence. flowpilot connects your bank accounts on a daily basis and also processes them with your accounting. Thanks to consolidated data, you can work absolutely error-free. Much better than the competition: You test our software for free and get to know all the features in the product demo. After that, you remain flexible, because flowpilot can be canceled on a monthly basis. flowpilot is developed in Berlin by German financial experts. We have specialized in the needs of local medium-sized companies. All data remains in secure clouds "Hosted in Germany". No matter what question or concern you have - our support team is always there for you personally.
Platforms Supported Windows Supported Mac Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Plaid works with over 12,000 companies, from cutting-edge startups to fintechs like Venmo and SoFi, several of the Fortune 500, and many of the largest banks to empower people with more choice and control over how they manage their money.	Audience Companies seeking a solution to connect the bank and their accounting departments
Support Phone Support Supported 24/7 Live Support Not Supported Online Not Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing Free Test for free Free Version Supported Free Trial Not Supported	Pricing $99.00/month 1 User included. Any additional user 1999 Euro per month. Free Version Not Supported Free Trial Supported
Reviews/Ratings Overall 4.4 / 5 ease 4.5 / 5 features 4.0 / 5 design 3.7 / 5 support 3.7 / 5 Read all reviews	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software
Pros & Cons from Real Users Pros Good at what it does, fairly easy to set up and offers a lot of flexible customization features for bringing people into your financial apps. I have dabbled in the business side of plaid but as a customer it was easy to use. This review is more for businesses to hear what a customer thinks. I like how this works with cards. It's nice to be able to trust where you are putting your card info. PLAID is quick and easy to use when connecting your bank accounts. Support response time is quick and efficient, something solutions are not found immediately though. Plaid was able to integrate banks that were not currently available. The time frame was six months but the integration process happened in three months. That was great as we can offer our services to more customers. Plaid has the vast majority of major banks, not so much smaller banks and credit unions. I'm a huge fan of how easy Plaid's API makes it to enable connecting different payment sources from different banks. The user logs in with the same online banking credentials they normally do, and the data stays where it's supposed to. Cons Not a lot to hate about Plaid, I think the pricing can start to creep up if you have lots of users connecting their banks. Nothing major. Have had issues with Discover not being accepted randomly until try 3. The back-end for companies could use some work it is very confusing. Submitting tickets are confusing and difficult. It is near impossible to get a ticket entered without having to deep dive into the transactions and finding request codes. There is no search option on their website to see if the bank institution is available through plaid. This would make it easier to let customers know right away instead of creating a fake application and searching on a live application. Nothing, really. From a user experience perspective Plaid's doesn't leave much to be desired.
Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Supported	Training Documentation Not Supported Webinars Not Supported Live Online Supported In Person Supported
Company Information Plaid Founded: 2013 United States plaid.com	Company Information flowpilot Founded: 2017 Germany flowpilot.io
Alternatives FISPAN	Alternatives Banker's Dashboard Deluxe
Alviere Hive Alviere	SAP S/4HANA SAP
Finicity Mastercard	Plaid
Codat	Centime
Yodlee View All	Epicor Financials Epicor Software View All
Categories Authentication Supported Bank Verification Supported Plaid offers a modular suite of account linking, risk, and money movement products to make bank payments more successful and scalable than ever. Plaid offers the full suite of Auth products—instant Auth with 95% coverage of U.S. bank accounts and database Auth for broader reach—along with Identity to verify account ownership. Signal, our payment risk platform, provides the choice of real-time balance checks or machine learning transaction risk scores, all delivered through a hosted rules engine with a no-code UI so risk insights can be acted on immediately. Transfer is Plaid’s multi-rail payment solution, supporting ACH, RTP, FedNow, and Request for Payment, with Signal embedded for built-in risk decisioning. This unified suite makes it easier to connect accounts, manage risk, and move money with confidence. Banking Supported Crypto APIs Supported eCommerce Integration Supported Embedded Finance Supported Financial Data APIs Supported Financial Reporting Supported Financial Risk Management Supported Financial Services Supported Fraud Detection Supported Plaid offers comprehensive tools to confirm identities and reduce fraud. Plaid Identity Verification (IDV) lets clients authenticate their customers through document checks, liveness detection, and data source verification. Monitor lets clients detect whether their customers are on government watchlists through sanction, PEP, and watchlist screening for anti-money laundering compliance. Plaid Protect is an AI-powered fraud intelligence platform that helps detect and stop fraud across the entire user journey—from the first interaction to the point of a transaction. Built on top of Plaid's network of a billion device connections across over 7,000 apps, Protect helps businesses prevent the toughest fraud including ATOs, first party fraud and synthetic identities. Identity Verification Supported Plaid offers comprehensive tools to confirm identities and reduce fraud. Plaid Identity Verification (IDV) lets clients authenticate their customers through document checks, liveness detection, and data source verification. Monitor lets clients detect whether their customers are on government watchlists through sanction, PEP, and watchlist screening for anti-money laundering compliance. Plaid Protect is an AI-powered fraud intelligence platform that helps detect and stop fraud across the entire user journey—from the first interaction to the point of a transaction. Built on top of Plaid's network of a billion device connections across over 7,000 apps, Protect helps businesses prevent the toughest fraud including ATOs, first party fraud and synthetic identities. Income Verification Supported Loan Servicing Supported Plaid Consumer Report helps lenders harness FCRA-compliant cash flow data, offering income insights, asset verification, and real-time account activity to power more confident decisions. By leveraging Plaid’s unique network insights, lenders gain a holistic view of borrower financial stability which can be used throughout the entire lending lifecycle. With a market-ready risk score - Plaid LendScore - financial institutions can underwrite more accurately, approve more qualified borrowers, and reduce losses with smarter, data-driven assessments. Mobile Banking Supported Online Banking Supported Open Banking Supported Open Finance Supported Unified APIs Supported	Categories Budgeting Supported Financial Management Supported Financial Reporting Supported Financial Risk Management Supported Financial Services Supported
Financial Services Features Analytics Supported Branch Optimization Supported Channel Management Supported Compliance Management Supported Customer Engagement Supported Performance Management Not Supported Risk Management Supported Show More Features Banking Features ATM Management Not Supported Compliance Tracking Not Supported Corporate Banking Not Supported Credit Card Management Supported Credit Union Not Supported Investment Banking Supported Multi-Branch Supported Online Banking Supported Private Banking Not Supported Retail Banking Not Supported Risk Management Supported Securities Management Not Supported Transaction Monitoring Supported Online Banking Features Brokerage Not Supported Cash Management Supported Chat / Messaging Not Supported Credit Card Management Not Supported Electronic Statements Not Supported Fraud Detection Supported Loan Management Supported Marketing Automation Not Supported Retail Banking Supported Single Sign On Supported Transaction Monitoring Supported	Financial Reporting Features "What If" Scenarios Supported Audit Trail Not Supported Balance Sheet Supported Cash Management Supported Consolidation / Roll-Up Not Supported Forecasting Supported General Ledger Supported Income Statements Supported Multi-Company Not Supported Multi-Department / Project Supported Profit / Loss Statement Supported Financial Risk Management Features Compliance Management Not Supported Credit Risk Management Supported For Hedge Funds Not Supported Liquidity Analysis Supported Loan Portfolio Management Not Supported Market Risk Management Not Supported Operational Risk Management Supported Portfolio Management Not Supported Portfolio Modeling Not Supported Risk Analytics Benchmarks Supported Stress Tests Not Supported Value At Risk Calculation Not Supported Financial Services Features Analytics Supported Branch Optimization Supported Channel Management Not Supported Compliance Management Not Supported Customer Engagement Not Supported Performance Management Supported Risk Management Supported Show More Features Budgeting Features "What If" Scenarios Supported Asset Planning Supported Balance Sheet Supported Capital Asset Planning Not Supported Cash Management Supported Consolidation / Roll-Up Not Supported Forecasting Supported General Ledger Supported Income Statements Not Supported Multi-Company Not Supported Multi-Department / Project Not Supported Profit / Loss Statement Not Supported Project Budgeting Not Supported Run Rate Tracking Not Supported Version Control Supported Financial Management Features Budgeting & Forecasting Supported Cash Management Supported Consolidation / Roll-Up Not Supported Currency Management Supported Financial Reporting Supported Investment Management Supported Project Management Supported Revenue Recognition Supported Risk Management Supported Tax Management Supported
Integrations Accounting Seed Supported BI Book Supported Cratoflow Supported Docyt Supported EMB Supported Fintech Sandbox Supported FirstOfficer Supported FutrOS Supported GiveForms Supported Kudos Supported Lithic Supported MeridianLink Opening Supported Modern.ai Supported Neofin Supported Numeric Supported Ocrolus Supported Perfect HOA Supported Seam AI Supported Sila Supported Unit Supported Show More Integrations View All 205 Integrations	Integrations Accounting Seed Not Supported BI Book Not Supported Cratoflow Not Supported Docyt Not Supported EMB Not Supported Fintech Sandbox Not Supported FirstOfficer Not Supported FutrOS Not Supported GiveForms Not Supported Kudos Not Supported Lithic Not Supported MeridianLink Opening Not Supported Modern.ai Not Supported Neofin Not Supported Numeric Not Supported Ocrolus Not Supported Perfect HOA Not Supported Seam AI Not Supported Sila Not Supported Unit Not Supported Show More Integrations
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