Belvo
belvo.com
What it is
Belvo provides open finance infrastructure for companies connecting customer accounts, interpreting financial data, and moving money in Latin America. It connects retail and business bank accounts with official employment and fiscal records. Banking data includes real-time account information and up to 24 months of standardized, categorized transactions. Additional data features cover transaction categorization, income verification, recurring expense detection, and risk insights. Payment products include recurring direct debit collections in Mexico and one-tap Pix payments in Brazil. Developers can build integrations through the API, developer hub, quickstart guide, and API reference. Connection methods include a hosted widget, API, regulated open finance consent flow, and institution credentials; refreshes are scheduled. Data is encrypted with AES 256 and RSA 2048 at rest and TLS 1.2 in transit, with TLS 1.3 supported. Belvo lists ISO/IEC 27001:2022 certification and PCI DSS Level 1 compliance. Sandbox access is free; production requires a paid plan. Launch costs $1,000 a month, while Growth pricing is custom.
Spec sheet
- Product
- Belvo provides open finance infrastructure for companies to connect to users’ accounts, understand financial data, and move money.Read 4 Oct 2026 · belvo.com
- Audience
- Belvo identifies banks, financial services, lenders, insurers, e-commerce and retail businesses, and digital wallets among the industries it serves.Read 4 Oct 2026 · belvo.com
- Integrations
- Belvo says its platform connects with retail and business bank accounts and official employment and fiscal records.Read 4 Oct 2026 · belvo.com
- Security
- Belvo says data at rest is encrypted with AES 256 and RSA 2048, while data in transit uses TLS 1.2 with TLS 1.3 supported.Read 4 Oct 2026 · belvo.com
- Compliance
- Belvo states that it holds ISO/IEC 27001:2022 certification and is a PCI DSS Level 1 compliant service provider.Read 4 Oct 2026 · belvo.com
- Support
- The pricing page lists standard support by email and premium support through Slack and video conference.Read 4 Oct 2026 · belvo.com
- Headquarters
- Mexico City, Mexico; São Paulo, BrazilRead 28 Sep 2026 · belvo.com
- Founded
- 2019Read 28 Sep 2026 · belvo.com
- Company
- Belvo says Pablo Viguera and Oriol Tintoré founded the company in 2019.Read 4 Oct 2026 · belvo.com
- Banking data
- Its banking data product offers real-time, categorized account data and up to 24 months of standardized, categorized transaction data.Read 4 Oct 2026 · belvo.com
- Data insights
- Belvo offers transaction categorization, income verification, recurring expense detection, and risk insights based on banking data.Read 4 Oct 2026 · belvo.com
- Developer access
- Belvo provides an API, developer hub, quickstart guide, and API reference for building integrations.Read 4 Oct 2026 · belvo.com
- Hosting
- Belvo says its platform is hosted on AWS and configured for high availability.Read 4 Oct 2026 · belvo.com
- Limits
- The banking product page states that transaction history access is available for up to 24 months.Read 4 Oct 2026 · belvo.com
- Markets
- Belvo describes its platform as powering financial services in Latin America.Read 4 Oct 2026 · belvo.com
- Payments
- Its payment offerings include recurring direct debit collections in Mexico and one-tap Pix payments in Brazil.Read 4 Oct 2026 · belvo.com
Plans and prices
Strong points and limits
Strong points
- Free sandbox for testing and evaluation
- Up to 24 months of transaction history
- Mexico direct debit and Brazil Pix payments
- API, widget, and consent-flow connections
- AES 256 and RSA 2048 encryption at rest
Limits
- Production access requires a paid plan
- Launch costs $1,000 a month
- Transaction history is limited to 24 months
Who it suits
Belvo suits banks, lenders, insurers, retailers, e-commerce companies, digital wallets, and other financial services operating in Latin America. Developers can use its API and hosted connection methods.
Verdict
Belvo covers account connectivity, categorized financial data, risk insights, and regional payment methods through one API-focused platform. Its free sandbox allows evaluation, but real-customer production use requires paid access.
Where Specifiction places it
- Bank Connectivity Software#3 of 718.5
- Financial Data APIs#3 of 288.5