Fintoc vs Tink
Fintoc
fintoc.com
Tink
tink.comSide by side
| Figure | Fintoc | Tink |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 2 | 2 |
| Spec score · Bank Connectivity Software | 8.0 (#12) | 6.9 (#43) |
| Founded | 2020 | 2012 |
| Headquarters | Santiago, Chile | Stockholm, Sweden |
| Security | Fintoc states that it is certified to ISO 27001 and PCI DSS Level 1. | Tink states that its systems are SOC 2 Type II compliant for the Security and Availability Trust Service Criteria. |
| Support | The site directs users to WhatsApp support and product documentation for help. | Enterprise customers can contact support through the support portal at any time, while Tink does not guarantee response or resolution times for customers without an Enterprise agreement. |
Plans
In their own words
Tink
Tink is an open banking platform for businesses that need payment services and enriched financial data. Its API connects to European banks and financial institutions, with stated reach across more than 3,000 connections in Europe. Use cases include customer onboarding, account top-ups, invoice settlement, ecommerce, affordability assessment, risk decisions and consumer engagement. Tink Payments lets users authenticate and initiate bank payments and transfers. Data Enrichment categorises transactions, detects recurring activity and forecasts upcoming transactions. Risk Signals examines account data, live balances, transaction history and payment velocity for account-to-account payment risk. Developers get a single API integration, SDKs, guides, references and sample projects. Supported data includes current and savings accounts, cards, investments, pensions, loans, mortgages, identity and transaction records. A free account provides sandbox test data before an Enterprise upgrade. Tink says its systems are SOC 2 Type II compliant and offers authentication flows under its PSD2 licence. The platform serves 19 European markets.