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Tracked since2026
0 reviews trackedThe Bottom Line
Entry price
Paid plans only
Biggest pro
Best-in-class verification
Biggest con
Enterprise pricing
TL;DR - Finicity
- Mastercard-owned open banking platform
- Industry-leading verification products
- Strong focus on lending use cases
Pricing: Paid only
Best for: Enterprises & pros
What is Finicity?
Finicity, now a Mastercard company (acquired in 2020), provides open banking APIs for financial data access, income and employment verification, and asset verification. The platform is particularly strong in lending use cases, helping lenders verify borrower information instantly. Finicity connects to over 16,000 financial institutions and is known for its verification accuracy and compliance focus. Their VOA (Verification of Assets) and VOIE (Verification of Income and Employment) products are industry standards.
Pros & Cons
Pros
- Best-in-class verification
- Strong lending focus
- Mastercard ownership
- Regulatory compliance
- High accuracy
Cons
- Enterprise pricing
- Lending-focused
- Less consumer fintech focus
- Complex integration
Key Features
Asset verification (VOA)Income verification (VOIE)16,000+ FI connectionsLending data solutionsCash flow analysisBank statement reportsConsumer consent frameworkMastercard backing
Pricing Plans
Pricing checked Jul 7, 2026
Enterprise
Custom
Contact sales
- VOA/VOIE access
- 16,000+ FI connections
- Cash flow analysis
- Dedicated support
- Compliance assistance
Reviews
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Finicity FAQ
How does Finicity support lending use cases?
Finicity provides open banking APIs that enable instant verification of borrower information, such as income, employment, and assets. Its Verification of Assets (VOA) and Verification of Income and Employment (VOIE) products are specifically designed to streamline the lending process.
Which teams benefit most from using Finicity?
Finicity is best suited for financial institutions, particularly those in the lending sector, that require robust data and verification solutions. Its focus on compliance and accuracy makes it valuable for teams managing risk and regulatory requirements.
How does Finicity compare to Plaid?
Finicity, like Plaid, offers open banking APIs for financial data access, but Finicity has a particularly strong focus on lending use cases and verification accuracy. It is known for its industry-standard VOA and VOIE products, which are critical for lenders.
What kind of limitations should potential users consider with Finicity?
Potential users should note that Finicity is primarily lending-focused and may have less emphasis on broader consumer fintech applications. Its integration can also be complex, and it operates on an enterprise pricing model.
How is Finicity priced?
Finicity is a paid product and does not offer a permanently free tier. Its pricing model is structured for enterprise clients, aligning with its comprehensive data and verification solutions for financial institutions.
Can Finicity connect to a wide range of financial institutions?
Yes, Finicity connects to over 16,000 financial institutions, providing extensive access to financial data. This broad connectivity supports its capabilities in income, employment, and asset verification.
Source: finicity.com