--- description: ¿Qué es y para qué sirve Plaid? Lee opiniones verificadas, descubre sus características, precios de planes, ventajas y desventajas. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: ¿Qué es Plaid? - Reseñas, precios y funciones - Capterra México 2026 --- Breadcrumb: [Inicio](/) > [Software de préstamos comerciales](/directory/30537/commercial-loan/software) > [Plaid](/software/174384/plaid) # Plaid Canonical: https://www.capterra.mx/software/174384/plaid Página: 1 de 5\ Siguiente: [Página siguiente](https://www.capterra.mx/software/174384/plaid?page=2) > Plaid es una plataforma tecnológica que permite a las aplicaciones conectarse con las cuentas bancarias de los usuarios. > > Veredicto: 100 usuarios lo han valorado con **4.4/5**. De los mejores valorados en **Probabilidad de recomendación**. ----- ## Vista rápida ### ¿Quién usa Plaid? Asset, de Plaid, es ideal para originadores de préstamos que buscan digitalizar el proceso de préstamo y crear una mejor experiencia para el prestatario. ## Estadísticas y valoraciones rápidas | Métrica | Calificación | Detalles | | **En general** | **4.4/5** | 100 Opiniones | | Facilidad de uso | 4.5/5 | Basado en las opiniones generales | | Asistencia al cliente | 4.3/5 | Basado en las opiniones generales | | Relación calidad-precio | 4.4/5 | Basado en las opiniones generales | | Funciones | 4.5/5 | Basado en las opiniones generales | | Porcentaje de recomendaciones | 80% | (8/10 Probabilidad de recomendación) | ## Sobre el proveedor - **Empresa**: Plaid - **Ubicación**: San Francisco, EE. UU. - **Constitución**: 2012 ## Contexto comercial - **Modelo de precios**: (versión gratuita disponible) - **Público objetivo**: Trabajador autónomo, 2-10, 11-50, 51-200, 201-500, 501-1,000, 1,001-5,000, 5,001-10,000, 10,000+ - **Despliegue y plataformas**: Cloud, SaaS, Web, Android (móvil), iPhone (móvil), iPad (móvil) - **Idiomas admitidos**: alemán, danés, español, estonio, francés, inglés, italiano, letón, lituano, neerlandés, noruego, polaco, portugués, rumano, sueco - **Países disponibles**: Alemania, Bélgica, Canadá, Dinamarca, España, Estados Unidos, Estonia, Francia, Irlanda, Italia, Letonia, Lituania, Noruega, Países Bajos, Polonia, Portugal, Reino Unido, Suecia ## Funciones - Autenticación - Autenticación multifactor - Banca en línea - Banca para comercios minoristas - Base de datos de propiedades - Biometría - Contratación de personal - Creación de informes financieros - Creación de informes y estadísticas - Creación de informes/análisis - Cumplimiento tributario - Declaración de ganancias/pérdidas - Distribución automática de fondos - Entorno de desarrollo integrado - Evaluación de riesgos - Filtro de reclamaciones - Gestión de carteras de préstamos - Gestión de documentos - Gestión de la conformidad - Gestión de nóminas - Gestión de prestatarios - Gestión de reclamaciones - Gestión de riesgos - Gestión del mantenimiento - Gestión financiera - Informes de nómina - Interfaz gráfica de usuario - KYC Compliance - Lector de tarjeta móvil - Liveness Detection - Métodos de autenticación múltiple - Métricas de rendimiento - Onboarding del usuario - Pagos electrónicos - Pagos móviles - Panel de comunicaciones - Procesamiento de pagos ACH - Procesamiento de tarjetas de crédito - Propiedades comerciales - Real-Time Monitoring - Real-Time Reporting - Seguimiento de alquileres - Seguimiento de estado - Seguimiento de inversiones - Supervisión de transacciones - Transferencia electrónica de fondos - Verificación de antecedentes - Verificación de datos - Verificación de elegibilidad para el seguro - Verificación de identidad … y 36 características más ## Integraciones (en total: 31) - ASTRA - Adyen - Airwallex - Alchemy - Alloy - Alpaca - Atomic - Checkbook - Checkout.com - Codat - Dwolla - F5 Silverline Managed Services - Finix - Gusto - HighNote … y 16 integraciones más ## Opciones de asistencia - E-mail/Help Desk - Preguntas frecuentes/foro - Base de conocimientos ## Categoría - [Software de préstamos comerciales](https://www.capterra.mx/directory/30537/commercial-loan/software) ## Categorías relacionadas - [Software de préstamos comerciales](https://www.capterra.mx/directory/30537/commercial-loan/software) - [Software de gestión de riesgos integrado](https://www.capterra.mx/directory/31545/integrated-risk-management/software) - [Software de gestión de carteras](https://www.capterra.mx/directory/20010/investment-management/software) - [Software de creación de aplicaciones](https://www.capterra.mx/directory/32016/app-building/software) - [Software de autenticación de usuario](https://www.capterra.mx/directory/31218/authentication/software) ## Alternativas 1. [NetSuite](https://www.capterra.mx/software/135757/netsuite) — 4.2/5 (2006 reviews) 2. [Ondato](https://www.capterra.mx/software/201476/ondato) — 4.8/5 (13 reviews) 3. [PayPal](https://www.capterra.mx/software/179251/paypal) — 4.6/5 (26337 reviews) 4. [authorize.net](https://www.capterra.mx/software/54911/authorizenet) — 4.5/5 (216 reviews) 5. [Tipalti](https://www.capterra.mx/software/136904/tipalti) — 4.6/5 (174 reviews) ## Opiniones ### "Easy to Use Transaction Portal" — 5.0/5 > **Marc** | *19 de abril de 2026* | Marketing y publicidad | Valoración de la recomendación: 10.0/10 > > **Puntos a favor**: A few easy steps and you are done with the set up. I have used it both as a client and now as a user. > > **Puntos en contra**: The process for selecting accounts, but it is still kind of easy. I mean i dont think i was stumped at any point. > > No negative issues come to mind. I just found the set up and implementation easy. I was initially nervous and thought i would need help. I didn't. ----- ### "Convenient but could be more transparent" — 4.0/5 > **Dallas** | *30 de junio de 2025* | Biotecnología | Valoración de la recomendación: 8.0/10 > > **Puntos a favor**: -Most connections are stable and don’t need frequent re-linking. -Works with most major services like Venmo, Robinhood, Mint, and many more -Login details are not stored on Plaid’s servers > > **Puntos en contra**: -Not every institution is available, especially local or regional ones. -There’s no single place for users to manage or revoke app permissions across all Plaid-connected apps > > Ive used Plaid a bunch of times to link my bank account to different apps like budgeting tools, investing platforms. Most of the time, it works smoothly. Way better than having to enter everything manually. That said, it’s not perfect. Some smaller banks or credit unions aren’t supported, and sometimes you have to reconnect accounts if the link breaks. Also, it’s not always super clear what data the app is getting access to. Security-wise, I feel pretty good about it. They don’t store your login info, and everything seems encrypted and secure. Still, I wish there were more user-facing tools to manage connections across different apps in one place. Overall, Plaid makes connecting your bank to apps fast and easy. It mostly just works, which is kind of the point. A few more transparency and control features would make it better ----- ### "Great for financial integrations but occasional connection issues" — 4.0/5 > **Usuario verificado** | *1 de abril de 2026* | Biotecnología | Valoración de la recomendación: 10.0/10 > > **Puntos a favor**: I liked how easy it makes connecting bank accounts to apps. The whole process is pretty quick and smooth and it works with a huge number of banks which is really helpful. It saves a lot of time compared to manually entering details or verifying accounts. I also like that it feels secure and widely trusted since a lot of popular app use it. Overall it just makes financial integrations much simpler for both users and developers. > > **Puntos en contra**: One thing I didn’t like is that sometimes bank connections can break or not sync properly, especially with smaller banks. It can be a bit frustrating when data is delayed or missing and you don’t realize it right away. Also, for businesses, pricing and setup can feel a little complex depending on the use case. There are also some concerns people have around sharing financial data, even though it’s generally secure. > > My experiance with Plaid has been mostly positive. It’s a very useful platform for connecting financial data and powering apps like payments, budgeting, and investing tools. The API capabilities are pretty strong and allow companies to build advanced financial features without dealing with banks directly. That said, it’s not always perfect and sometimes requires extra handling for edge cases or connection issues. But overall it’s a reliable and widely used solution in the fintech space. ----- ### "It’s convenient, but it could use some work" — 3.0/5 > **Jamie** | *18 de enero de 2026* | Alimentación y bebidas | Valoración de la recomendación: 3.0/10 > > **Puntos a favor**: The take away from plaid is having all of your immediate banking information and verification at your fingertips. And it’s fairly easy to use. > > **Puntos en contra**: A few cons that I have about plat is the fact that you cannot verify Cash app or PayPal 70% of people use those platforms however they’re not compatible with plaid. Another thing that I disliked is that you’re begging information is linked to that number until you physically remove it. I’ve had instances where I had a new number and I had to verify my bank through Platt and someone else else’s banking information popped up. > > Although my overall experience with plaid is about 75% it’s a wonderful platform to verify your banking information fairly quickly. I just worry about other people that may have an old number of mine having access to my old banking information. ----- ### "Easy to use\!" — 5.0/5 > **Savannah** | *17 de marzo de 2026* | Salud, bienestar y deporte | Valoración de la recomendación: 10.0/10 > > **Puntos a favor**: This was an easy way to securely link our business bank account to the software that will take payments from customers. The process was very efficient\! > > **Puntos en contra**: We have not experienced any cons while using this to connect our bank account securely to the system that accepts payments from our customers. > > It has been a positive experience\! Our information has been kept secure while connecting us to the intended platform. ----- Página: 1 de 5\ Siguiente: [Página siguiente](https://www.capterra.mx/software/174384/plaid?page=2) ## Enlaces - [Ver en Capterra](https://www.capterra.mx/software/174384/plaid) ## Esta página se encuentra disponible en los siguientes idiomas | Local | URL | | de | | | de-AT | | | de-CH | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-IL | | | en-IN | | | en-NZ | | | en-SG | | | en-ZA | | | es | | | es-AR | | | es-CL | | | es-CO | | | es-CR | | | es-DO | | | es-EC | | | es-MX | | | es-PA | | | es-PE | | | fr | | | fr-BE | | | fr-CA | | | fr-LU | | | it | | | nl | | | nl-BE | | | pt | | | pt-PT | | ----- ## Datos estructurados