Plaid is a financial services company that enables applications to connect with users' bank accounts. It provides tools for developers to create...
Custom pricing
Best Belvo Alternatives ranked by AI · updated Aug 2026
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Belvo provides open-finance APIs for connecting bank accounts and accessing financial data across Latin America. Its products support account aggregation, transaction analysis, identity checks, and income-related use cases for fintechs.
Top 6 Belvo alternatives
2
Palenca
Palenca
Palenca provides APIs for accessing employment, income, and work-platform data, with a focus on workers and financial services in Latin America. Fintechs...
Pros
- Strong coverage of Latin American employment and gig-work platforms
- Designed for income and employment verification through a single API
- Useful for underwriting workers with nontraditional or variable income
Cons
- Geographic coverage is narrower than global providers such as Plaid
- Custom pricing and enterprise onboarding may not suit small teams
- Platform coverage can vary by country and worker account
Custom pricing
3
Finch
Finch
Finch provides APIs for connecting to employment, payroll, and HR systems, with normalized workforce data and write capabilities for selected workflows. It...
Pros
- Deep focus on employment and payroll connectivity
- Supports both data retrieval and selected write operations
- Strong fit for benefits, finance, and workforce applications
Cons
- Coverage is concentrated on employment and payroll use cases
- Some write operations depend heavily on the connected provider
- Pricing is not publicly listed
4
Argyle
Argyle
Argyle provides consumer-permissioned employment and income data through APIs for lenders, insurers, and financial services companies. It focuses on payroll, employment, and...
Pros
- More specialized than Heron Data for employment and payroll verification
- Supports ongoing income and employment monitoring workflows
- Designed for lending and other verification-heavy financial use cases
Cons
- Narrower than Heron Data for bank-account and transaction aggregation
- Payroll-source coverage varies by employer and provider
- Enterprise pricing and onboarding are required
5
Truv
Truv
Truv offers income and employment verification APIs that connect applicants to payroll and employment sources. It serves lenders, property managers, and other...
Pros
- Focused specifically on income and employment verification workflows
- Supports both instant data connections and document-based verification
- Useful for lending, tenant screening, and benefits eligibility
Cons
- U.S.-centric coverage is less suitable for Latin American worker data
- Not designed as a general-purpose financial data platform
- Verification quality depends on source connectivity and user matching
Custom pricing
6
Pinwheel
Pinwheel
Pinwheel provides payroll connectivity APIs for account switching, direct-deposit setup, and access to payroll-related data. It is aimed at banks, fintechs, and...
Pros
- Strong payroll connectivity and direct-deposit workflows
- Can help fintechs reach paycheck-based customers directly
- Useful for recurring-income products and account funding
Cons
- Less focused on passive employment verification
- Primarily targets U.S. payroll ecosystems
- Direct-deposit functionality may be unnecessary for underwriting use cases
Custom pricing
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