Belvo vs Lunch Flow Platform API
Belvo
belvo.comLunch Flow Platform API
lunchflow.appSide by side
| Figure | Belvo | Lunch Flow Platform API |
|---|---|---|
| Price from | $1,000/mo | $2.92/mo |
| Free plan | Yes | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 6 |
| Spec score · Bank Connectivity Software | 8.5 (#3) | 7.9 (#16) |
| Spec score · Financial Data APIs | 8.5 (#3) | 7.9 (#12) |
| Integrations | Belvo says its platform connects with retail and business bank accounts and official employment and fiscal records. | Official destinations include Lunch Money, Actual Budget, Google Sheets, YNAB, MCP, CSV/OFX export, and the REST API. |
| 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. | The security guide says data is encrypted with AES-256 and that Lunch Flow never sees bank passwords or receives full account numbers. |
| Support | The pricing page lists standard support by email and premium support through Slack and video conference. | The Platform API documentation directs users with questions or issues to [email protected]. |
Plans
Lunch Flow Platform API
- Individual$5.49 a month
- Individual$34.99 a year
- Developers & teamsPriced on request
- For individuals (monthly)$5.49 a month
- For individuals (annual)$34.99 a year
- For developers & teamsPriced on request
In their own words
Belvo
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.
Lunch Flow Platform API
Lunch Flow Platform API has no write-up on Specifiction yet; its figures are above.