Argyle vs Plaid

Argyle provides income, employment, and asset verification using information consumers authorize it to obtain from payroll, bank, and document sources. Consumers can share current payroll and employment details, connect bank accounts to verify assets and income deposits, or upload paystubs and W-2s for processing. Doc VOI extracts income information and submits it to Freddie Mac’s AIM Check. The API offers standardized reports, granular datasets, real-time visibility, webhook alerts, and REST integration. Argyle names integrations for point-of-sale systems and mortgage loan origination systems, and is an authorized supplier for Fannie Mae’s Desktop Underwriter validation service and an approved provider for Freddie Mac AIM. The company says it covers about 90% of the U.S. workforce and returns more than 170 income data fields with supporting documents. Implementation can use the browser-based Argyle Console or a custom API integration. Argyle lists SOC 2 Type II, ISO 27001, RSA 4096 encryption, SHA-256 signing, and annual independent security audits. Pricing is on request.

Plaid connects financial accounts to apps and services people choose, and lets them manage those connections. Its products cover payments, fraud and risk, financial management, and onboarding. Plaid Link connects users to more than 12,000 financial institutions, while Transactions offers up to 24 months of categorized transaction data. Plaid Transfer processes bank payments through ACH, RTP, and FedNow. Available data includes account and routing numbers, balances, identity, transactions, investments, liabilities, income, and statements, with statements in PDF format. Connections can use credentials, OAuth, app-to-app OAuth, or manual and micro-deposit flows; refreshes are on demand. Developers can use official API libraries for Node, Python, Ruby, Java, and Go, plus Link SDKs for web and mobile. Plaid Portal lets users see connected apps, manage permissions, and disconnect accounts. Plaid lists SOC 2 Type 2, ISO 27001, and ISO 27701 certifications. Pricing is on request; there is no general free plan, though an eligible free Trial plan is listed for certain US and Canada teams created on or after April 15, 2026.