Check vs Plaid

Check has no write-up on Specifiction yet; its figures are above.

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.