Fintoc vs Powens
Fintoc
fintoc.com
Powens
powens.comSide by side
| Figure | Fintoc | Powens |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 2 | 1 |
| Spec score · Bank Connectivity Software | 8.0 (#12) | 8.2 (#8) |
| Founded | 2020 | The company says it was founded as Budget Insight in 2012 and rebranded as Powens in 2022. |
| Headquarters | Santiago, Chile | Paris, France |
| Security | Fintoc states that it is certified to ISO 27001 and PCI DSS Level 1. | Powens says it is ISO 27001 certified and that its security and compliance frameworks are independently tested and audited each year. |
| Support | The site directs users to WhatsApp support and product documentation for help. | Enterprise plans include a dedicated account manager and priority assistance from integration and technical support teams. |
| What it does | Fintoc unifies payment infrastructure so businesses can receive, move, and reconcile money. | Powens describes itself as an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs. |
| Who it serves | Fintoc describes its products for businesses managing online payments and collections, and says more than 1,200 companies trust it. | Powens lists lending, accounting and invoicing, wealth management, property management, cashback and rewards, retail banking, and payments among its target sectors. |
Plans
In their own words
Powens
Powens is an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs. Its aggregation service syncs accounts, transactions, savings, loans, and investments from more than 1,800 banks across 12 EU countries. Accounts refresh daily, while available transaction history varies by bank from 3 to 24 months; live connections can be maintained for six months with daily refreshes. Payment services include IBAN accounts, Direct Debit, Pay by Bank, and instant SEPA transfers through one API and dashboard. Powens says beneficiaries receive funds from its instant SEPA transfers within 10 seconds. It also offers real-time bank identity checks and Spanish IBAN ownership verification. Developers can access API documentation, integration guides, SDKs, connection widgets, an admin console, and a free self-service sandbox. Pricing is on request. Enterprise plans include dedicated hosting and can include an account manager and priority technical and integration support. Powens lists Android, iOS, web, and API access, and says it was founded as Budget Insight in 2012 before adopting the Powens name in 2022.