GoCardless Bank Account Data vs Stripe Financial Connections
GoCardless Bank Account Data
gocardless.comStripe Financial Connections
stripe.comSide by side
| Figure | GoCardless Bank Account Data | Stripe Financial Connections |
|---|---|---|
| Price from | Free | $0.30/mo |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 4 | 5 |
| Spec score · Bank Connectivity Software | 8.2 (#7) | 7.3 (#35) |
| Coverage | The solution is available in European Economic Area countries subject to PSD2, where GoCardless says it operates as an authorised AISP. | Stripe says it can instantly connect to over 97% of US bank accounts and retrieve data from 12,000 financial institutions. |
| Purpose | Bank Account Data API connects users’ bank accounts and provides account information from bank PSD2 APIs. | Financial Connections lets users securely share financial data with a business through an open banking integration. |
Plans
GoCardless Bank Account Data
- StandardFree
- AdvancedFree
- ProFree
- CustomPriced on request
Stripe Financial Connections
- Pay-as-you-go — balances$0.10, paid once
- Pay-as-you-go — transactions$0.30 a month
- Pay-as-you-go — account owners$1.50, paid once
- Pay-as-you-go — instant bank account verifications$1.50, paid once
- Custom pricingPriced on request
In their own words
GoCardless Bank Account Data
GoCardless Bank Account Data is an API for businesses that need account details and transaction data from connected bank accounts. It connects through bank PSD2 APIs and can return account holder names, account identifiers, IBANs, transaction dates, counterparties, descriptions and amounts, plus current and available balances. It can retrieve up to 24 months of transaction history, with continuous access lasting up to 90 days. Data refreshes on demand, and responses use JSON. To connect, an end user chooses a supported financial institution, accepts a GoCardless-hosted consent screen and authenticates through the institution. API requests use an authorization token created with a Bank Account Data portal user secret. GoCardless provides a quickstart guide and instructions for importing the API schema into Postman. Availability is limited to EEA countries subject to PSD2 where GoCardless operates as an authorized AISP. Banks may restrict requests to as few as four calls per account per day. Account verification is available only to paying customers; new accounts are unverified by default. The service is paid, with pricing on request, and is available via API and web.
Stripe Financial Connections
Stripe Financial Connections has no write-up on Specifiction yet; its figures are above.