Flinks vs Powens
Flinks
flinks.com
Powens
powens.comSide by side
| Figure | Flinks | Powens |
|---|---|---|
| Price from | $250/mo | — |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 10 | 1 |
| Spec score · Bank Connectivity Software | 7.8 (#19) | 8.2 (#8) |
| Spec score · Financial Data Aggregation Platforms | 7.9 (#5) | 8.2 (#2) |
| Spec score · Financial Data APIs | 7.8 (#15) | 8.2 (#6) |
| Founded | 2016 | The company says it was founded as Budget Insight in 2012 and rebranded as Powens in 2022. |
| Headquarters | Toronto, Canada | Paris, France |
| Integrations | Flinks says fintechs can integrate with 500+ financial apps. | For business account aggregation, Powens says it connects to PSP wallets such as PayPal, Stripe and GoCardless. |
| Payments | Pay supports account validation, funding, loan repayments, and PAD authorization; its listed rails include Interac e-Transfer and EFT. | Its Accounts & Payments products include payment accounts and IBANs, instant SEPA transfers, direct debit and pay by bank. |
| Security | Flinks lists SOC 2, AES-256 hardware encryption, HTTPS 256-bit encryption, IP whitelisting, and daily automated and manual application security testing. | Powens says it is ISO 27001 certified and that its security and compliance frameworks are independently tested and audited each year. |
| Support | All customers can submit tickets through the Support portal, and Scale plan customers and above receive a dedicated customer success representative. | Enterprise plans include a dedicated account manager and priority assistance from integration and technical support teams. |
| What it does | Flinks combines financial connectivity, intelligence, and payments to help businesses deliver financial experiences. | Powens describes itself as an Open Finance and embedded payments platform that connects financial data and payment workflows through APIs. |
Plans
Flinks
- Flinks Enrich Starter$250 a month
- Flinks Connect Starter$500 a month
- Flinks Upload Starter$500 a month
- Flinks Enrich Scale$1,100 a month
- Flinks Connect Scale$1,250 a month
- Flinks Upload Scale$1,500 a month
- Flinks Connect EnterprisePriced on request
- Flinks Enrich EnterprisePriced on request
- Flinks PayPriced on request
- Flinks Upload EnterprisePriced on request
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.