Pluggy.ai

What is Pluggy.ai?

Pluggy is a powerful Open Finance API that gives businesses and developers seamless access to financial data and payment capabilities across Brazil’s banking ecosystem. Built for the modern fintech era, Pluggy connects your app or platform directly to users’ bank accounts—safely and with user consent—so you can understand financial behavior, automate transactions, and create personalized experiences.

Whether you're building an ERP, investment app, lending platform, or personal finance tool, Pluggy handles the complexity of Open Finance so you don’t have to. With just one integration, you get real-time access to balances, transactions, investments, credit cards, and more—from Nubank to major banks—plus features like Pix Automatic, payment initiation, and data enrichment.

What are the features of Pluggy.ai?

• Pluggy Connect Widget: A ready-to-use UI that lets users securely link their bank accounts in minutes—no complex frontend work needed.
• Pix Automático: Enable recurring debit payments via Pix from any bank to any bank, turning subscriptions into reliable revenue.
• Data Enrichment: Transform raw transaction data into meaningful insights like income patterns, spending categories, and financial health scores.
• Payment Initiation: Trigger instant Pix payments directly within your app for faster checkouts, account funding, or bill payments.
• Pluggy API: Full programmatic access to accounts, transactions, investments, identity, and credit data through a clean, developer-friendly REST API.
• Meu Pluggy: Give end-users a simple dashboard to manage their data-sharing consents and connected accounts.
• Portability Solutions: Streamline pension and credit portability with automated document collection and user verification.

What are the use cases of Pluggy.ai?

• ERP Banking Integration: Turn your enterprise resource planning system into a full financial hub with live cash flow visibility and automated payments.
• Recurring Billing Platforms: Replace failed credit card charges with reliable bank-to-bank recurring debits using Pix Automático.
• Lending & Credit Scoring: Assess borrower risk accurately by analyzing 12+ months of real bank transaction history.
• Personal Finance Apps: Offer users a 360° view of their money—checking, credit cards, investments—all in one place.
• Wealth Management Tools: Automatically sync client investment portfolios and income streams to deliver tailored advice.
• Onboarding Automation: Speed up KYC and account opening by fetching verified user identity and bank data instantly.

How to use Pluggy.ai?

• Sign up for a free Pluggy developer account at pluggy.ai and get your Client ID and Client Secret.
• Install the Pluggy SDK (npm install pluggy-sdk) or call the REST API directly using your credentials.
• Embed the Pluggy Connect Widget to let users securely connect their bank accounts with OAuth-style consent.
• Use API endpoints like GET /accounts, GET /transactions, or POST /payment-initiations to fetch data or trigger actions.
• Implement webhooks to receive real-time updates when new transactions or balance changes occur.
• Test everything in sandbox mode before going live—Pluggy provides mock bank connections for safe development.