Merge vs Plaid
Merge
merge.dev
Plaid
plaid.comSide by side
| Figure | Merge | Plaid |
|---|---|---|
| Price from | $650/mo | — |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 3 | 4 |
| Spec score · Payroll APIs | 7.6 (#4) | 7.4 (#8) |
| Spec score · Unified Api | 7.6 (#11) | 7.4 (#17) |
| Spec score · Unified APIs Software | 7.4 (#10) | 7.3 (#14) |
| Support | The pricing comparison lists email support for Launch and email plus chat support for Professional and Enterprise. | Plaid customers can use self-service resources and its Dashboard AI assistant; enhanced support tiers may be available to Custom plan customers. |
Plans
Plaid
- TrialFree
- CustomPriced on request
- GrowthPrice not published
- Pay as You GoPrice not published
In their own words
Plaid
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.