US-incorporated open banking infrastructure provider, San Francisco HQ.
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Listed for transparency. Every product on this page is benchmarked against this baseline.
US-incorporated open banking infrastructure provider, San Francisco HQ.
All 3 alternatives ranked by compliance score, benchmarked against Plaid.
| Product | Score | Owner | CLOUD Act | Cert. | Pricing | Action |
|---|---|---|---|---|---|---|
|
Plaid
benchmark · US
|
1.0/5 | OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
SOC 2 no EU framework |
Freemium | your current |
|
Trustly
Sweden
|
VERIFIED SIGNALS
Jurisdiction
Transparency
|
OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
ISO/IEC 27001
SOC 2
|
Paid | View profile → |
|
Volt
United Kingdom
|
VERIFIED SIGNALS
Jurisdiction
Transparency
|
OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
— | Paid | View profile → |
|
GoCardless
United Kingdom
|
VERIFIED SIGNALS
Jurisdiction
Transparency
|
OWNERSHIP
Where ultimate control over the operating company sits.
|
CLOUD ACT EXPOSURE
How exposed customer data is to US authorities under the CLOUD Act.
|
— | Paid | View profile → |
Ranked by feature parity + compliance score. Migration friction is weighted higher than feature breadth.
Swedish open-banking A2A payment innovator (Trustly Group AB, 2008), $10B annual volume, 33+ markets; Nordic Capital + BlackRock PE owned.
London-based open-banking A2A real-time payments (Volt Technologies, 2019), FCA EMI, 2,500 banks across 31 territories; US-VC-led.
London-based UK direct-debit and recurring-payments specialist (FCA-authorised); Mollie acquisition announced Dec 2025.
For every product we read the public DPA, sub-processors document, hosting region declaration, and corporate ownership records. Each is timestamped. Compliance score is editorial, re-verified quarterly. We never accept self-attestation.
Reviewed by the EU Vetted editorial team · Editorial guidelines