Freedom251 › Bank Connectivity Software
Pluggy
What Pluggy is
Pluggy provides Open Finance infrastructure for businesses building financial products for customers in Brazil. Its API connects to more than 220 financial institutions, and Data Connectors can return balances, statements, credit card details, investments, identity, loans, and linked-account data. Pluggy standardizes institution data into a common schema and offers REST and webhook delivery. Enrichment features include transaction categorization, merchant identification, and recurring-payment detection. Its Payments product supports Pix initiation, one-time charges, recurring Pix Automatic payments, and cash management. Developers can use SDKs for Node, Python, .NET, and Java, plus an authorization widget and sandbox. Pluggy says connections are encrypted and access credentials are not shared with third parties; it also states its Brazilian payment institution is authorized by the Central Bank of Brazil as a Payment Transaction Initiator. The free Meu Pluggy connector is for personal finance and allows five active connections per account holder, without commercial guarantees such as an SLA or contract. Commercial plans list Dados at 2.50 BRL a month and Pagamentos at 500 BRL a month; the listed minimums are R$ 2.500/mês and R$ 500/mês, respectively.
Who it suits
The commercial API suits businesses building financial products for their own customers in Brazil. Meu Pluggy is a personal finance portal for individual account holders.
What it does well
- API connects to more than 220 financial institutions.
- Data is normalized into a common schema.
- REST and webhook delivery are offered.
- SDKs are listed for four languages.
- Payments supports Pix initiation and recurring Pix Automatic.
What to know first
- Free connector allows five active connections per account holder.
- Free connector has no commercial SLA or contract.
- Listed plans have monthly minimums.
- Refresh frequency is on demand.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Dados | A partir de R$ 2.500/mês; mínimo mensal com volume incluso · Open Finance + acesso direto · dados bancários e investimentos · webhooks e enriquecimento · suporte técnico por ticket | 2.50 BRL a month |
| Pagamentos | A partir de R$ 500/mês; mínimo mensal com volume incluso · Iniciação de Pix · cobranças únicas · Pix Automático · cash management | 500 BRL a month |
As pluggy.ai lists them, read 7 Oct 2026. The maker's own page has the final word.
Verdict
Pluggy combines financial data connections, enrichment, and Pix payment capabilities in one API offering. Businesses should distinguish the commercial API plans from the limited free Meu Pluggy connector.
Facts from Pluggy's own pages
- Audience
- The commercial API is aimed at businesses building financial products for their own customers, while Meu Pluggy is a personal finance portal. · pluggy.ai, 7 Oct 2026
- Compliance
- Pluggy states that its Brazilian payment institution is authorized by the Central Bank of Brazil as a Payment Transaction Initiator (ITP). · pluggy.ai, 7 Oct 2026
- Coverage
- Pluggy says its API connects to more than 220 financial institutions in Brazil. · pluggy.ai, 7 Oct 2026
- Data
- The Data Connectors product returns balances, statements, credit card details, investments, identity, loans, and linked-account data. · pluggy.ai, 7 Oct 2026
- Developer tools
- The developer page lists SDKs for Node, Python, .NET, and Java, a Pluggy Connect authorization widget, and a sandbox. · pluggy.ai, 7 Oct 2026
- Enrichment
- Its enrichment features include transaction categorization, merchant identification, and automatic recurring-payment detection. · pluggy.ai, 7 Oct 2026
- Founded
- 2019 · pluggy.ai, 28 Sept 2026
- Headquarters
- São Paulo, Brazil · pluggy.ai, 28 Sept 2026
- Integrations
- Pluggy lists Conta Azul, Nibo, MarketUP, Kamino, Cloud Gym, TOTVS, Ottimizza, Bom Controle, F360, and Granatum as customer platforms. · pluggy.ai, 7 Oct 2026
- Limit
- The free Meu Pluggy connector has a limit of five active connections per account holder and lacks commercial guarantees such as an SLA and contract. · pluggy.ai, 7 Oct 2026
- Normalization
- Pluggy standardizes data from institutions into a common schema and offers REST and webhook delivery. · pluggy.ai, 7 Oct 2026
- Payments
- Its Payments product supports Pix initiation, one-time charges, recurring Pix Automatic payments, and cash management. · pluggy.ai, 7 Oct 2026
- Product
- Pluggy provides Open Finance infrastructure for software to read financial data and move money in Brazil through one API. · pluggy.ai, 7 Oct 2026
- Security
- Pluggy says its connection is encrypted and that users’ access credentials are not shared with third parties. · pluggy.ai, 7 Oct 2026
- Support
- Pluggy offers ticket support and a Discord community, with specialized technical support and ticket SLA for Pro and Enterprise customers. · pluggy.ai, 7 Oct 2026
Where Pluggy stands on Freedom251
- Bank Connectivity Software#13 of 71
- Financial Data APIs#11 of 28