
Plaid vs. MX vs. Finicity: Which Bank-Data Aggregator Sits Behind Your Accounting Feed?
MX enriches transactions best, Finicity leads lending verification, and Plaid connects the most banks — pick your feed by where you bank, not by brand.
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MX enriches transactions best, Finicity leads lending verification, and Plaid connects the most banks — pick your feed by where you bank, not by brand.

Stripe is cheapest online at 2.9% + 30¢, Square wins in person with free POS and next-day payouts, and PayPal costs most but converts best.

BNPL fees netted at the source understate revenue and break the IRS Form 1099-K tie-out — book gross sales with a refund liability instead.

Monarch suits couples, YNAB suits overspenders, Simplifi is the easy Quicken exit — and plain-text tools win on privacy.

Embedded cards underwrite from live sales data instead of your FICO score — faster approval, but floating limits and exit terms to read first.

Bluevine now onboards foreign-resident US business owners fully remotely — but every foreign-owned LLC still owes Form 5472 or faces a $25,000 penalty.

Klarna earned $9M in Q2 2026 on $1.04B of revenue, but a $69M loan-sale gain did the work; $11.7B of deposits equal 120% of its $9.8B loan book.

Nubank earned $1.06B in Q2 2026, its first $1B quarter: 138.9M customers at a $1 monthly cost to serve, a 22.9% NIM and $6.59B of loss allowances.

Stripe Atlas founders can open a Rho business account before the IRS issues their EIN — route startup costs through it to keep Section 195 deductions clean.

Revolut Business Scale costs $180/month ($1,680/year) in 2026, not the $119 roundups quote — plus price history and Grow-vs-Scale break-even math.

Airwallex bundles billing at no added cost while Stripe Billing charges 0.7% of subscription volume — but the FX spread, 0.4–0.7 points wider, costs more.

Rippling's Business Banking pairs same-day payroll with 2.25% APY checking — judge the custody, lock-in, and fine print before switching.