Nova Credit vs Plaid: Features, Coverage and Pricing Compared (2026)

Key Features Compared

Nova Credit vs Plaid at a Glance, November 2026

Feature	Nova Credit	Plaid
Ratings
Fintech Index score	78 / 100	82 / 100Higher score
Overview
What it is	New York and San Francisco credit infrastructure company that helps lenders underwrite with cashflow, cross-border credit, and income data	San Francisco company whose APIs let apps and banks link bank accounts, verify identity and income, move money by bank transfer, and check for fraud
Who uses it	Banks, fintechs, auto lenders, and rental-housing operators; Chase, PayPal, and Yardi use Cash Atlas	More than 9,000 fintech apps, lenders, brokerages, and banks
Main products	Cash Atlas for cashflow underwriting, Credit Passport for cross-border credit history, and Income Navigator for income verification	Account linking, balance and ownership checks, identity and income verification, pay by bank, and fraud tools
Where it operates	United States, with credit history imported from other countries	United States and Canada, with some UK and EU coverage
Pricing
How pricing works	Priced by product and volume	Per connected account, per month, or per call, with a free sandbox and pay-as-you-go plan
Published prices	Quote only	Pay-as-you-go plan and free sandboxPay-as-you-go posted
Technology and compliance
Regulation and licensing	Consumer-permissioned credit and cashflow data, with compliance review at onboarding	Anti-fraud suite alongside account checks
App and platform	Data products delivered through a data partnership	Free sandbox; Limited Production allows 200 live calls per product
Integrations and partners	Lenders, banks, and tenant screening platforms	More than 12,000 financial institutions
Onboarding and support	Data partnership and compliance review	Self-serve start, with sales for larger plans
Company
Founded	2016	2013
Headquarters	New York and San Francisco	San Francisco, California
Ownership	Private company	Private company
Funding	~$35M Series D in October 2025 led by Socium Ventures to expand Cash Atlas and the broader Nova Credit Platform	~$1.3B raised, including a $575M round in 2025 led by Franklin Templeton, with a16z, NEA, Goldman Sachs, Citi Ventures, and Ribbit Capital among its investors
Key leader	Misha Esipov	Zach Perret
Scale	Raised a $35M Series D	Well over $500M of annual recurring revenue in 2025, up ~40%

Fintech Index Scores Compared

We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Nova Credit scores 78 and Plaid scores 82.

Criterion Scores Out of 100

Key Differences Between Nova Credit and Plaid

Products

Nova Credit's products are Cash Atlas, Credit Passport, and Income Navigator. Plaid covers account linking, balance and ownership checks, identity and income verification, pay by bank, and fraud tools.

Clients

Chase, PayPal, and Yardi use Nova Credit's Cash Atlas. Plaid serves more than 9,000 fintech companies.

Pricing

Plaid offers a free sandbox and a pay-as-you-go plan. Nova Credit prices by product and volume through sales.

Pros and Cons

Who Each Is Best For

Alternatives to Nova Credit and Plaid

These companies, all reviewed and rated on The Fintech Index, cover some of the same ground as Nova Credit and Plaid.

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Frequently Asked Questions