Belvo alternatives
10 products compared · Updated October 16, 2026
The short answer
For Latin America-focused open finance, Belvo remains the strongest choice. If you need US coverage, Plaid is the best alternative. For European operations, TrueLayer or Tink are solid options, with TrueLayer excelling in payments and Tink in data aggregation.
Your shortlist, at a glance
Read the comparisons ↓
PlaidNot publishedUS-based fintechs and developers that need bank data connections and payments for consumer apps.
TrueLayerNot publishedEuropean ecommerce, iGaming, and financial services teams that want to replace card payments with instant bank transfers.
TinkCustom quoteEuropean fintechs and banks that need PSD2-compliant data aggregation and payment initiation across multiple countries.
Salt EdgeNot publishedTeams operating internationally that need broad bank coverage beyond Latin America and require both data and payment capabilities.
YapilyCustom quoteEuropean fintechs and enterprises that need open banking data and Pay by Bank payments across the UK and EU, particularly for business accounts.- FFlinksCustom quoteLenders, fintechs, and financial institutions in North America that need bank data access, fraud detection, and A2A payments.
ProntoNot publishedRiders and drivers in Mexican second-tier cities who want a local ride-hailing app with no driver commissions.- FFinicitySee websiteFinancial data solutions
- NNordigenNot publishedTeams that already use Nordigen and need a backup option while the site is down.
TokenNot publishedBanks and payment platforms in Europe and the UK that need Pay by Bank infrastructure with high acceptance and no chargebacks.
About Belvo and its alternatives
Belvo is an open finance API platform for Latin America. It connects to banking, employment, and fiscal data, and offers account-to-account payments like direct debit and Pix. It is known for clean data, AI-powered insights, and scale, with over 80 million accounts connected.
When comparing alternatives, weigh pricing structure, regional coverage, integrations, support, and contract terms. Some platforms publish no pricing and require sales contact. Others have usage-based plans or minimum commitments. Check which regions each platform covers, as most alternatives focus on Europe or North America, not Latin America.
Explore the alternatives
- Not published
1.Plaid
Best for: US-based fintechs and developers that need bank data connections and payments for consumer apps.
- Pricing
- Not published
- Category
- Finance & Accounting
Plaid is a US-focused open finance platform that connects apps to bank accounts for data access and payments. Choose it over Belvo if your users are in the US and you need broad bank coverage there, rather than Latin America.
Where it is strong
- Large network: 12,000 financial institutions across 20 countries.
- Pay-as-you-go plan with no upfront commitment.
- Free sandbox and limited production testing available.
Where it falls short
- Pricing is not transparent. You must contact sales for rates.
- No mention of Latin American coverage, so not a fit for Latam-focused use cases.
- Pricing:
- Pricing is not published on the site. Plans start with a free sandbox and a Limited Production tier with up to 200 API calls per product.
- Not published
2.TrueLayer
Best for: European ecommerce, iGaming, and financial services teams that want to replace card payments with instant bank transfers.
- Pricing
- Not published
- Category
- Finance & Accounting
TrueLayer is an open banking platform focused on Pay by Bank payments and payouts across Europe. Choose it instead of Belvo if your priority is instant bank payments and payouts rather than open finance data aggregation for Latin America.
Where it is strong
- Pay by Bank payments reduce card fraud and cut transaction costs.
- Payouts and refunds are sent in seconds, improving cash flow.
- Add-ons like Verification and Signup+ combine onboarding with payments.
Where it falls short
- Limited to Europe, so not suitable for Latin America operations.
- No published pricing, so you must contact sales for a quote.
- Pricing:
- Pricing is not published on the site.
- Switching from Belvo:
- Moving from Belvo means replacing open finance data and direct debit APIs with TrueLayer's payment-focused APIs, which may require rebuilding integrations.
- Custom quote
3.Tink
Best for: European fintechs and banks that need PSD2-compliant data aggregation and payment initiation across multiple countries.
- Pricing
- Custom quote
- Category
- Finance & Accounting
Tink is a European open banking platform that connects to 6000+ banks and offers enriched financial data through one API. Choose it over Belvo if your business operates in Europe and needs PSD2-compliant data access or account-to-account payments.
Where it is strong
- 6000+ bank connections across Europe
- Operate under Tink's PSD2 license or use your own
- SOC 2 Type II compliant
Where it falls short
- Pricing only available by contacting sales
- Several products like Income Check and Payment Initiation are Enterprise-only
- Pricing:
- Pricing is not published on the site. Existing customers see plans starting with a base price of 'Contact us', and new prospects must contact sales for personalized quotes.
- Switching from Belvo:
- Moving from Belvo to Tink means re-integrating your data and payment flows through Tink's API, and you will need to contact Tink's sales team for pricing and access.
- Not published
4.Salt Edge
Best for: Teams operating internationally that need broad bank coverage beyond Latin America and require both data and payment capabilities.
- Pricing
- Not published
- Category
- Finance & Accounting
Salt Edge is a global open banking platform with connections to over 5,000 banks worldwide. You would choose it over Belvo if you need coverage outside Latin America, especially for data aggregation, payments, and compliance across multiple regions.
Where it is strong
- Global reach with 5,000+ bank connections
- Combines data aggregation, payments, and compliance in one platform
- Strong focus on regulatory compliance across regions
Where it falls short
- Pricing is not transparent, likely requires sales contact
- May be overkill for startups focused only on Latin America
- Pricing:
- Pricing is not published on the site.
- Custom quote
5.Yapily
Best for: European fintechs and enterprises that need open banking data and Pay by Bank payments across the UK and EU, particularly for business accounts.
- Pricing
- Custom quote
- Category
- Finance & Accounting
Yapily is an open banking API platform covering 2,000 banks across 19 European countries, with both data and payment products. You would choose it over Belvo if your focus is Europe, especially the UK and Germany, and you need broad business account coverage or agent-ready APIs.
Where it is strong
- Covers 2,000 banks across 19 countries, with strong UK and Germany coverage
- Offers both data and payments in one integration, including Pay by Bank and recurring payments
- APIs and docs are designed for AI coding agents to build with directly
Where it falls short
- No published pricing, so you need to contact sales for any plan
- Coverage is limited to Europe, so it won't help if you need LatAm connections like Belvo
- Pricing:
- Pricing is not published on the site. You must speak with the team to get a tailored quote.
- Switching from Belvo:
- Moving from Belvo means re-integrating your data and payment flows with Yapily's API, which is a different set of endpoints and bank connections focused on Europe.
- FCustom quote
6.Flinks
Best for: Lenders, fintechs, and financial institutions in North America that need bank data access, fraud detection, and A2A payments.
- Pricing
- Custom quote
- Category
- Finance & Accounting
Flinks is an embedded finance platform for North America that connects to 15,000+ financial institutions, offers data enrichment, fraud detection, and A2A payments. Choose it over Belvo if your business operates in the US or Canada and needs bank connectivity with deep fraud detection and payment initiation in that region.
Where it is strong
- Access to 15,000+ financial institutions in North America
- AI-powered fraud detection that claims to catch 3x more fraud
- Includes A2A payments via Interac and EFT with built-in verification
Where it falls short
- Requires a 1-year term with monthly minimums, no pay-as-you-go
- No self-serve free trial, only a sandbox environment
- Pricing:
- Pricing is based on usage volume with a monthly minimum commitment and tiered rates. No specific numbers are published on the site.
- Switching from Belvo:
- Moving from Belvo to Flinks means reconnecting your bank data integrations to a North American network and adapting to a usage-based pricing model with monthly minimums.
- Not published
7.Pronto
Best for: Riders and drivers in Mexican second-tier cities who want a local ride-hailing app with no driver commissions.
- Pricing
- Not published
- Category
- E-commerce
Pronto is a Mexican ride-hailing app for passengers and drivers in second-tier cities. Choose it instead of Belvo if you are building a mobility service and need a local transport option, not financial data infrastructure.
Where it is strong
- 100% of driver earnings, no commission
- 4.9-star average from 12k reviews
- 24/7 availability and tracked trips
Where it falls short
- Only available in Mexico, not across Latam
- No open finance or payment APIs like Belvo
- Pricing:
- Pricing is not published on the site.
- FSee website
8.Finicity
Finance & Accounting
Finicity, now part of Mastercard, offers open banking data and verification services focused on North America. It supports income and account validation at scale. Compared with Belvo it lacks specialized Latin American fiscal and employment datasets plus regional instant payment options, lowering its fit for users targeting Belvo's LatAm ROI acceleration.
- NNot published
9.Nordigen
Best for: Teams that already use Nordigen and need a backup option while the site is down.
- Pricing
- Not published
- Category
- Finance & Accounting
Nordigen is an open banking data platform that lets you connect to bank accounts and pull transaction data. Its website is currently unreachable, so you cannot verify features, pricing, or current status. Choose it only if you already have a contract and need a fallback, but otherwise treat it as unavailable.
Where it is strong
- Known as a free open banking data provider in Europe.
- Offers bank account connectivity for transaction data.
- Has an API that can be integrated into financial apps.
Where it falls short
- Website is currently unreachable, so you cannot access docs or support.
- No published pricing or feature details are available right now.
- Pricing:
- Pricing is not published on the site.
- Not published
10.Token
Best for: Banks and payment platforms in Europe and the UK that need Pay by Bank infrastructure with high acceptance and no chargebacks.
- Pricing
- Not published
- Category
- Finance & Accounting
Token.io provides account-to-account payment infrastructure for banks, fintechs, and payment companies, focusing on Pay by Bank, variable recurring payments, and real-time payouts. Choose it over Belvo if your priority is A2A payments in Europe and the UK rather than open finance data aggregation across Latin America.
Where it is strong
- Reaches over 567 million bank accounts across the UK and Europe
- Average success rates above 95% in top markets
- Powers major clients like HSBC, Santander, and BNP Paribas
Where it falls short
- No published pricing, so you must contact sales
- Focused on payments, not on financial data or income verification like Belvo
- Pricing:
- Pricing is not published on the site.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about Belvo alternatives
Which alternative is best for Latin America?
Belvo itself is the strongest for Latin America, with coverage across the region and features like Pix. Among the alternatives, none match Belvo's Latam focus. If you must switch, consider a global platform like Salt Edge, but verify its Latam coverage.
Which alternative has the most transparent pricing?
Plaid is the most transparent, with a free sandbox and a Limited Production tier up to 200 API calls. Flinks shows usage-based pricing but requires a monthly minimum and a 1-year term. Most others, like TrueLayer and Tink, do not publish pricing.
Which alternative is best for payments?
TrueLayer and Token.io are strong for account-to-account payments in Europe. TrueLayer focuses on Pay by Bank and payouts. Token.io reaches over 567 million accounts with high success rates. For Latin America, Belvo's direct debit and Pix are unmatched.
Which alternative covers the US?
Plaid and Flinks cover North America. Plaid connects to 12,000 financial institutions across 20 countries, including the US. Flinks connects to 15,000+ institutions in the US and Canada. Both offer data and payments, but Flinks requires a longer contract.
Are there any free options?
Nordigen was known as a free open banking data provider in Europe, but its website is currently unreachable, so treat it as unavailable. Plaid offers a free sandbox and limited production testing. Belvo also has a free sandbox for testing.
Last updated October 16, 2026.