Compare Mastercard Open Banking (formerly Finicity) and Plaid 
At a Glance
Market Segments
Small-Business (77.8% of reviews)
Small-Business (63.2% of reviews)
Entry-Level Pricing
varies by API and volume
No pricing available
Mastercard Open Banking (formerly Finicity)
Star Rating
(9)3.7 out of 5
Market Segments
Small-Business (77.8% of reviews)
Pros & Cons
Entry-Level Pricing
varies by API and volume
Browse all 3 pricing plansPlaid
Star Rating
(43)4.2 out of 5
Market Segments
Small-Business (63.2% of reviews)
Pros & Cons
Entry-Level Pricing
No pricing available
Learn more about PlaidMastercard Open Banking (formerly Finicity) vs Plaid
- Reviewers felt that Plaid meets the needs of their business better than Mastercard Open Banking (formerly Finicity).
- When comparing quality of ongoing product support, reviewers felt that Plaid is the preferred option.
- For feature updates and roadmaps, our reviewers preferred the direction of Plaid over Mastercard Open Banking (formerly Finicity).
Pricing
Entry-Level Pricing
Mastercard Open Banking (formerly Finicity)
Finicity Pay
varies by API and volume
Finicity Pay™ is our integrated set of data services that accurately verifies account details, account owner(s), and balances at lightning speed.
- Account Details
- Account Owner(s)
- Balances
Plaid
No pricing availableFree Trial
Mastercard Open Banking (formerly Finicity)
No trial information availablePlaid
No trial information availableRatings
Meets Requirements
8.1
7
8.5
33
Ease of Use
7.2
6
8.8
33
Ease of Setup
8.9
6
8.9
16
Ease of Admin
Not enough data
8.5
9
Quality of Support
7.0
5
7.9
29
Has the product been a good partner in doing business?
Not enough data
7.6
9
Product Direction (% positive)
8.1
6
8.2
32
Features by Category
Detection
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Analysis
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Administration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Fraud Detection
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Platform Additional Functionality
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
9.7
5
Not enough data
Not enough data
Platform Interoperability
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Mobile Banking
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Management
Not enough data
Not enough data
Not enough data
Not enough data
Functionality
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Integration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Administration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Payment Processing
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Administration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Payment Options
Not enough data
Not enough data
Not enough data
Not enough data
Security
Not enough data
Not enough data
Platform
Not enough data
Not enough data
Not enough data
Not enough data
Core Functionality
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Document Management
Not enough data
Not enough data
Not enough data
Not enough data
Interoperability
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Digital Mortgage Closing
Not enough data
Not enough data
Fraud Detection
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Compliance
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Monitoring
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Reporting
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Generative AI - Anti Money Laundering
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Anti Money Laundering
Not enough data
Not enough data
Not enough data
Not enough data
Integrations
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Support
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Connectivity
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Compliance
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Banking as a Service (BaaS)
Not enough data
Not enough data
Agentic AI - Core Banking Features
Not enough data
Not enough data
Identity Verification Functions - Identity Verification
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Risk & Fraud Prevention - Identity Verification
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Compliance & Governance - Identity Verification
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Categories
Categories
Shared Categories
Mastercard Open Banking (formerly Finicity) and Plaid are categorized as Identity Verification, Financial Data APIs, and Mobile Banking
Unique Categories
Mastercard Open Banking (formerly Finicity) is categorized as Payment Processing, Digital Mortgage Closing, Banking as a Service (BaaS), and Core Banking
Plaid is categorized as Unified APIs, Biometric Authentication, Anti-Money Laundering (AML), Address Verification, Fraud Detection, and Underwriting & Rating
Reviews
Reviewers' Company Size
Mastercard Open Banking (formerly Finicity)
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Plaid
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Information Technology and Services
22.2%
Marketing and Advertising
11.1%
Hospitality
11.1%
Food & Beverages
11.1%
Computer Software
11.1%
Other
33.3%
Financial Services
34.2%
Computer Software
10.5%
Accounting
5.3%
Banking
5.3%
Internet
5.3%
Other
39.5%
Discussions
Mastercard Open Banking (formerly Finicity) has no discussions with answers
Plaid has no discussions with answers
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