Side by side
Fintoc vs Pluggy
Both stand on bank connectivity software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free trial APIWeb
Fintoc combines checkout, recurring billing, payment methods, and reconciliation tools for online businesses. Its integrations and testing keys are useful, while currency limits and per-payment charges should be checked for your setup.
Visit Fintoc Free plan APIWeb
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.
Visit PluggyThe facts
| Fintoc | Pluggy | |
|---|---|---|
| Free plan | A free trial | Yes |
| Open source | Not published | Not published |
| Runs on | API, Web | API, Web |
| Lowest paid plan | Pagos por Transferencia: $135, paid once | Dados: 2.50 BRL a month |
| Plans published | 2 | 2 |
| Maker | Not published | Not published |
| Website | fintoc.com | pluggy.ai |
| On bank connectivity software | #17 of 71 | #13 of 71 |
Fintoc: what it does well
- Automatic payment routing and backup
- Recurring charges, retries, and reminders
- Plugins for four commerce platforms
- Test keys simulate payments and refunds
- States ISO 27001 and PCI DSS Level 1
What to know first
- No free plan is listed
- Plugin payments use Chilean pesos
- Listed payment charges are per approved transaction
- A free trial is offered, not a free plan
Pluggy: 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.
Alternatives to Fintoc Alternatives to Pluggy The whole list