Fintegration X Plaid
Plaid Partner
Plaid and Fintegration have joined forces to streamline the process
of building innovative fintech applications. This partnership
leverages Plaid's powerful financial data network and Fintegration's
expertise in fintech application development.
We enable businesses to seamlessly integrate financial services into their apps. Together, We aim to simplify access to financial information, enhance user experiences and drive innovation in fintech solutions.
Our Collaboration helps entrepreneurs and businesses build smarter,
efficient & connected FinTech products. Started in 2015,
Fintegration has done more than 20+ Plaid Integration Projects.
Fintegration X Plaid
We are happy to announce our partnership with Plaid. Fintegration is an official integration partner of Plaid Fintech. We provide various services like Plaid Mobile App Development, DevOps/ ServerOps, Backend & API Development and Web Application development.
Instant Bank Verification
Instant Bank Verification primarily collects ACH payments without micro-deposits. Useful for businesses & marketplaces.
Payments & Refunds
ACH Payments Enablement with an Instant Bank Verification. Managing Refunds on Dashboard.
Assets & Statements
We have implemented Plaid to retrieve up to 1 year of historical transactions and PDF asset reports perfect for underwriting purposes.
KYC & Fraud
Plaid provides unique KYC, Identity and Fraud detection solutions. For any AML and PEP compliance, we can help build with Plaid APIs.
Plaid Full-Stack Integration & Optimisation Service
Plaid powers thousands of fintech applications, but building and maintaining a high-quality Plaid
integration requires more than just copy-pasting Link code
We help fintech teams audit, fix, and support their Plaid integrations to ensure seamless account
linking, optimized API usage, and reliable data syncing across products like Transactions, Identity,
Income, Liabilities, and Investments.
This service is structured in 3 clear stages so you can take quick, focused action, whether you’re fixing existing issues or preparing for production scale.
Transcations
Bank transactions, categorisation, data enrichment, and spending analysis can be done with transaction data from Plaid.
Income Analysis
Plaid provides income data insights from the transactions. Lending and Underwriting can be done with that data.
Bookkeeping
Transactions, Income and Expense categorisation help bookkeepers with accounting & tax filing with automation.
Insights
Consumer Insights helps you understand customer cash flow & average bank balances per month. For alternate credit checks.
Plaid Integration - Our Packages
We offer flexible packages that cater to businesses at different stages of growth. Choose the package that fits your needs
Plaid Integration Audit
Duration: 1–2 Weeks
Pricing: Fixed – $1,200
We start with a comprehensive review of your existing Plaid implementation, focusing on stability, performance, and best practices.
What We Analyse:
• Use of /transactions/sync, /refresh, /get (are you syncing efficiently?)
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• Token management & credential security
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• Webhook setup (DEFAULT_UPDATE, HISTORICAL_UPDATE)
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• API usage volume vs redundancy
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• Link flow UX (completion rates, fallback issues)
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• Error handling & retry logic
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• Use of Plaid’s broader ecosystem (Assets, Income, Liabilities, etc.)
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• Review of technical implementation & Test scenario
Deliverable:
• Audit Report PDF with:
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â—¦ Summary of current architecture & flows
â—¦ Identified issues & pain points
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â—¦ Actionable recommendations with priority tags (P0, P1, P2, P3)
â—¦ Data modelling guidance to support future scalabilit
Common Problems We Solve
1. Broken or incomplete data pipelines:
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We fix misuse of transactions/get, lack of refresh, and missing sync logic, ensuring stable, up-to-date transaction data at scale.
2. Webhook failures and no retry system:
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We build reliable webhook processors with queueing, logging, and alerting.
3. Inefficient or expensive API usage:
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Replace polling with smart delta-syncing to reduce Plaid costs by 40–60%.
4. Insecure or mismanaged token logic:
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Protect your production environment with secure access token storage and refresh flows.
5. Low bank-linking success rate:
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We improve Plaid Link conversion via UX tweaks, institution pre-selection, and better fallback handling.
6. Underuse of Plaid’s ecosystem:
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Unlock full value from Identity, Income, Liabilities, and Investments for compliance, insights, and product growth.
7. Plaid Security Guidelines
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Helping customers pass the production access by guiding them to impelement architecture and infrastructure set up required for Plaid production access
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Fintegration | Verified Plaid Integration Case Studies (20+ Customers)
1. Rental Company ACH Payments Integration
​Integrated Plaid Auth and Balance APIs to enable secure ACH transfers for real estate rent
collection with real-time account verification
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2. Frank Spend – Personal Finance Layer
Used Plaid Transactions and Identity APIs to deliver spend categorization, account insights, and a unified personal finance dashboard for users.
3. Solstice Money – Personal Finance App
Fixed core mobile app issues and integrated Plaid for transaction sync, expense mapping, and asset tracking across linked bank accounts.
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4. Bank Data Sync Tool for US Payment Platform
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Used Plaid + MX + Meld to build a secure bank data transfer and transaction management dashboard, powering payment flows across multiple institutions.
5. Subscription Payment Stack
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Built a subscription billing solution using Plaid Auth + Chargebee + Stripe to verify user accounts, validate balances, and trigger automated billing.
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6. Personal Wealth Management App (Singapore)
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Enabled integration with Plaid to sync bank accounts, income, expenses, assets, and liabilities into a single personal wealth dashboard.
7. Vendor Enrollment Platform (USA)
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Integrated Plaid for instant bank account verification, streamlining vendor onboarding and enhancing operational and financial visibility.
Successful Plaid Implementations
Our journey with Plaid integration has led to numerous successful implementations. Below are some highlighted use cases where our team's proficiency in Plaid integration has driven significant value for our clients:
Personal Finance Management App
We developed a comprehensive personal finance management application that leverages Plaid's capabilities to aggregate user financial data across multiple institutions. This solution offers users a unified view of their financial health, facilitating better budgeting and investment decisions.
Lending & Underwriting Process for a FinTech
For a growing FinTech startup, we implemented a Plaid integration that streamlined their lending process. By automating income verification and account balance checks, we significantly reduced processing times and improved customer experience.
SaaS Payment Integration
For a SaaS platform, we integrated Plaid's payment processing features, streamlining the payment gateway for a seamless checkout experience. This integration offered a range of payment options to customers, while ensuring top-tier security to protect financial transactions.
Plaid Dashboard - Bookkeepers
We specialize in building advanced dashboards that seamlessly integrate with Plaid's suite of financial products, including Transactions, Investments, Balance, Income, Assets, Liabilities, and Payment Initiation. Our platform offers real-time data visualization, automated categorization, secure access, and detailed financial insights, empowering businesses to streamline their financial operations and provide enhanced value to their users.
Personal Finance Application
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We specialize in developing intuitive and powerful personal finance applications that help users manage their finances with ease. Our Plaid Integration solutions include features like budgeting tools, real-time account tracking, expense categorization, financial goal setting, and more. With secure integrations to major financial institutions, we deliver comprehensive insights that empower users to take control of their financial future.
