{ "data": { "a": { "slug": "belvo", "name": "Belvo", "vendor": "Belvo", "vendorUrl": "https://belvo.com", "kind": "http-api", "category": "banking-data", "summary": "Belvo is an open finance API for Latin America. It reads bank accounts, transactions and investments in Brazil, employment records in Brazil and Mexico and tax data in Mexico, and starts Pix payments in Brazil and direct debits in Mexico.", "url": "https://www.anchorterminal.com/tools/belvo", "markdownUrl": "https://www.anchorterminal.com/tools/belvo.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/belvo.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/belvo.json", "license": "Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT", "transports": [ "http" ], "remoteUrl": "https://api.belvo.com", "packages": [ { "registry": "npm", "name": "belvo" }, { "registry": "pypi", "name": "belvo-python" } ], "auth": "api-key", "authNotes": "HTTP Basic with a `secretId` and `secretPassword` generated in the dashboard, one pair for each environment. The password is shown once and a lost one means resetting the keys. No scopes or read-only keys were found. Sandbox keys are self-serve after email sign-up. Production keys follow a request to Belvo, a sales meeting and a certification call. End users connect accounts in the Hosted Widget, started with a 10 minute token from POST /api/token/. The Direct Debit API in Mexico has its own keys and optional IP allowlisting set up by support.", "pricing": "paid", "pricingNotes": "The Launch plan is 1,000 USD a month and Growth is priced by sales, both through Contact Sales (https://belvo.com/plans-and-pricing/). No per-call or per-link price is published, and the terms put the price in a signed Service Order with a 12 month term. The sandbox is free, self-serve and for testing only, so an agent can start without a contract but can't reach real accounts. Changing the refresh rate of recurrent links is priced by sales.", "priceSummary": "$1000 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the developer docs, the OpenAPI file or the pricing page (checked 2026-10-08).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": 1084, "pypiWeekly": 240, "asOf": "2026-10-08" }, "docsUrl": "https://developers.belvo.com/", "llmsTxt": "https://developers.belvo.com/llms.txt", "openapi": "https://developers.belvo.com/_bundle/apis/BelvoOpenApiSpec.yaml", "capabilities": [ "bank.accounts", "bank.transactions", "bank.identity", "bank.payments", "bank.consent" ], "tags": [ "hosted", "openapi", "llms-txt", "api-key", "webhooks", "sandbox", "brazil", "mexico", "latin-america", "sales-led", "status-page", "closed-source" ], "lastRelease": "2026-08-10", "graded": true, "anchor": { "graded": true, "score": 63.5, "grade": "B", "agentReady": false, "rank": 309, "ranked": true, "rankOf": 722, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 80, "maintenance": 30, "payments": 20, "reliability": 84, "schema": 80, "security": 57, "transparency": 64 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-08" }, "negative": 0, "verdict": "Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.", "bestFor": "Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.", "strengths": [ "Public OpenAPI 3.0.2 file, version 1.223.0, with 146 operations on 83 paths, and a separate specification for Direct Debit in Mexico", "llms.txt lists a Markdown twin of every docs page in English, Spanish and Portuguese", "List endpoints take `fields`, `omit`, `page_size` up to 1,000 and range filters on dates and amounts", "Retention is set per link and per call with `stale_in`, `credentials_storage` and `save_data`", "ISO/IEC 27001:2022 and PCI DSS Level 1 are stated on the security page" ], "weaknesses": [ "Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month", "One `secretId` and `secretPassword` pair per environment over HTTP Basic, with no scopes or read-only keys found", "No changelog was found, and the Python, Node and Ruby packages were last published in 2023 with their GitHub repositories returning 404", "Bank data covers Brazil only in the docs read on 8 October 2026, and Mexico has employment, fiscal and direct debit products", "security.txt expired on 22 March 2025", "General rate limits carry no published numbers, and the data webhooks have no signature, only an optional fixed authorisation header" ], "agentNotes": [ "Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys", "Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes", "Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts", "Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`", "Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 63.5 } ], "editorialScores": { "ergonomics": 80, "maintenance": 30, "payments": 20, "reliability": 84, "schema": 80, "security": 57, "transparency": 46 }, "provenanceScore": 81 }, "connect": { "http": "curl -X GET https://sandbox.belvo.com/api/ \\\n -H \"Authorization: Basic $(echo -n 'YOUR_SECRET_ID:YOUR_SECRET_PASSWORD' | base64)\"", "claudeCode": "claude mcp add --transport http belvo-docs https://developers.belvo.com/mcp", "config": { "mcpServers": { "belvo-docs": { "type": "http", "url": "https://developers.belvo.com/mcp" } } } }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/belvo" }, "area": "domain-data", "unitPrices": [ { "item": "Launch plan", "unit": "month", "usd": 1000, "note": "Production access, through sales. Growth plan is custom" } ], "provenance": { "legalEntity": "Belvo Tecnologias Ltda.", "domain": "belvo.com", "domainRegistered": "2005-07-17", "endpointOnVendorDomain": true, "terms": "https://belvo.com/terms-service/", "privacy": "https://belvo.com/privacy-policy-end-users/", "statusPage": "https://status.belvo.com", "changelog": "", "securityTxt": "expired", "checked": "2026-10-08", "notes": [ "The General Conditions of Service Usage, last updated 10 January 2025, define Belvo as Belvo Tecnologias Ltda., CNPJ 37.869.837/0001-81, and Belvo Instituição de Pagamento Ltda., CNPJ 43.215.815/0001-09, with affiliates. They are governed by Brazilian law with the courts of São Paulo.", "The legal notice also names Belvo Technologies, SAPI de CV in Mexico City (RFC BTE1912023D6) and Belvo Technologies Inc. Sucursal en España in Barcelona.", "The privacy link is the end-user policy, which covers data Belvo processes through its platform for clients. A separate policy for clients and site visitors at https://belvo.com/privacy-policy-clients/ was last updated 15 July 2024.", "security.txt is PGP-signed, gives security@belvo.com and a disclosure policy on Federacy, and expired on 22 March 2025.", "No changelog was found. developers.belvo.com/changelog returns 404 and llms.txt lists none.", "Verisign RDAP gives a registration date of 2005-07-17 for belvo.com." ], "score": 81 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/belvo.json", "live": { "slug": "belvo", "probe": { "target": "https://api.belvo.com", "method": "get", "lastAt": "2026-10-08T19:52:45.922404587Z", "lastOk": true, "lastStatus": 403, "lastMs": 66, "lastNote": "asks for credentials", "authRequired": true, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 46, "p95ms24h": 188, "samples24h": 27, "samples30d": 27, "days": [ { "date": "2026-10-08", "probes": 27, "ok": 27 } ] }, "vendorStatus": { "page": "https://status.belvo.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-08T19:50:26.2285697Z" }, "pages": [ { "url": "https://belvo.com/plans-and-pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:15:32.924207659Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "e45bde6abe6f" }, { "url": "https://belvo.com/privacy-policy-end-users/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:15:35.22055183Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "44ff1673e0c9" }, { "url": "https://belvo.com/terms-service/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:15:55.309282506Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "fc9af45fbdce" } ], "updatedAt": "2026-10-08T19:52:45.922404587Z" } }, "answer": "Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.", "b": { "slug": "gocardless-bank-account-data", "name": "GoCardless Bank Account Data", "vendor": "GoCardless", "vendorUrl": "https://gocardless.com/bank-account-data/", "kind": "http-api", "category": "banking-data", "summary": "The former Nordigen account information API, now sold by GoCardless.", "url": "https://www.anchorterminal.com/tools/gocardless-bank-account-data", "markdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json", "repo": "https://github.com/nordigen/nordigen-python", "license": "MIT (client libraries, unmaintained)", "transports": [ "http" ], "remoteUrl": "https://bankaccountdata.gocardless.com/api/v2", "packages": [ { "registry": "npm", "name": "nordigen-node" }, { "registry": "pypi", "name": "nordigen" } ], "auth": "api-key", "authNotes": "POST /api/v2/token/new/ with a secret_id and secret_key from the Bank Account Data portal returns a JWT pair, an access token good for 24 hours and a refresh token for 30 days. Send the access token as a Bearer header. End users authorise at their bank through a requisition link; there's no OAuth on the developer side.", "pricing": "paid", "pricingNotes": "No price list on gocardless.com. The pricing page covers Direct Debit only, and the Bank Account Data pages link to a contact form and the general GoCardless sign-up (https://gocardless.com/pricing/). The quickstart sends new users to a sandbox account at https://manage-sandbox.gocardless.com/sign-up, and the overview says new accounts start as non-verified, with verification on a paid plan (https://docs.gocardless.com/docs/bank-account-data). A Bank Account Data Service Terms PDF dated January 2026 is linked from the merchant terms (https://gocardless.com/legal/merchants/). The Nordigen-era free plan isn't mentioned anywhere on the current site.", "priceSummary": "Paid", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": 88, "npmWeekly": 28608, "pypiWeekly": 4262, "asOf": "2026-09-30" }, "docsUrl": "https://docs.gocardless.com/docs/bank-account-data", "llmsTxt": "https://docs.gocardless.com/llms.txt", "capabilities": [ "bank.accounts", "bank.transactions", "bank.consent" ], "tags": [ "hosted", "eu", "uk", "closed-source", "enterprise" ], "lastRelease": "2025-04-07", "graded": true, "anchor": { "graded": true, "score": 41.7, "grade": "E", "agentReady": false, "rank": 682, "ranked": true, "rankOf": 722, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 52 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.", "bestFor": "Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.", "strengths": [ "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them", "Rate limit headers on every response, per client and per account, with reset times", "Read-only by design, with access_scope and history limits per end user agreement", "Free sandbox bank SANDBOXFINANCE_SFIN0000", "Error codes listed by HTTP status with a summary and detail body" ], "weaknesses": [ "No public price and no confirmed free plan", "Official SDKs unmaintained since April 2025, and no changelog", "No public OpenAPI file for this API; the portal's Swagger UI blocks crawlers", "The GoCardless status page has no Bank Account Data component and no incidents for it since February 2025", "Product service terms PDF returned 404 and no subprocessor list was found" ], "agentNotes": [ "Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run", "Create the end user agreement before the requisition when you need other than 90 days of history or access", "Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day", "Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions", "Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 41.7 } ], "editorialScores": { "ergonomics": 57, "maintenance": 3, "payments": 10, "reliability": 44, "schema": 54, "security": 50, "transparency": 30 }, "provenanceScore": 74 }, "connect": { "http": "curl -X POST https://bankaccountdata.gocardless.com/api/v2/token/new/ -H \"Content-Type: application/json\" \\\n -d '{\"secret_id\":\"'\"$GOCARDLESS_BAD_SECRET_ID\"'\",\"secret_key\":\"'\"$GOCARDLESS_BAD_SECRET_KEY\"'\"}'" }, "letme": { "capability": "https://letme.dev/bank.accounts", "tool": "https://letme.dev/gocardless-bank-account-data" }, "area": "domain-data", "provenance": { "legalEntity": "GoCardless Ltd", "domain": "gocardless.com", "domainRegistered": "1999-04-14", "domainNote": "gocardless.com was registered in 1999, before the company was founded, so the domain was bought later.", "endpointOnVendorDomain": true, "terms": "https://gocardless.com/legal/merchants/", "privacy": "https://gocardless.com/privacy/", "statusPage": "https://www.gocardless-status.com", "changelog": "", "securityTxt": "unknown", "checked": "2026-09-30", "notes": [ "GoCardless Ltd, company 07495895, Sutton Yard, 65 Goswell Road, London EC1V 7EN, FCA registration 597190. The client library licences name SIA Nordigen Solutions (Riga), the company GoCardless bought in 2022.", "The Bank Account Data Service Terms are a PDF on a Contentful CDN linked from the merchant terms; it returned 404 when we fetched it on 2026-09-30.", "gocardless.com/.well-known/security.txt returns a contact (vuln-disc@gocardless.com) and a policy link but no Expires field, and our fetch saw it rendered as HTML.", "bankaccountdata.gocardless.com disallows crawlers in robots.txt, so the portal, its sign-up page and its Swagger UI couldn't be checked.", "rdap.org returned 403; the registration date is from Verisign's RDAP server." ], "score": 74 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/gocardless-bank-account-data.json", "live": { "slug": "gocardless-bank-account-data", "probe": { "target": "https://bankaccountdata.gocardless.com/api/v2", "method": "get", "lastAt": "2026-10-08T19:52:51.688072222Z", "lastOk": true, "lastStatus": 404, "lastMs": 73, "authRequired": false, "uptime24h": 99.63, "uptime30d": 99.95, "p50ms24h": 78, "p95ms24h": 145, "samples24h": 272, "samples30d": 1941, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 225, "ok": 224 } ] }, "vendorStatus": { "page": "https://www.gocardless-status.com", "indicator": "minor", "summary": "Partial System Degradation", "checkedAt": "2026-10-08T19:50:43.447583128Z" }, "versions": [ { "registry": "npm", "name": "nordigen-node", "version": "1.4.1", "seenAt": "2026-10-08T16:13:25.110152296Z" }, { "registry": "pypi", "name": "nordigen", "version": "1.4.2", "released": "2025-04-07", "seenAt": "2026-10-08T16:13:29.22263156Z" } ], "githubStars": 88, "npmWeekly": 28236, "pypiWeekly": 5119, "securityTxt": { "url": "https://gocardless.com/.well-known/security.txt", "state": "valid", "checkedAt": "2026-10-08T15:38:36.518290063Z" }, "llmsTxt": { "url": "https://docs.gocardless.com/llms.txt", "ok": true, "status": 200, "checkedAt": "2026-10-08T14:00:27.603811885Z" }, "domain": { "domain": "gocardless.com", "registered": "1999-04-14", "source": "https://rdap.verisign.com/com/v1/domain/gocardless.com", "checkedAt": "2026-10-04T13:08:59.501357749Z" }, "pages": [ { "url": "https://gocardless.com/pricing/", "kind": "pricing", "status": 200, "checkedAt": "2026-10-08T18:20:42.785501701Z", "changedAt": "2026-10-08T18:20:42.785501701Z", "fingerprint": "1ed3c384fd22" }, { "url": "https://gocardless.com/privacy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-08T18:20:44.935927715Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "3971f898cf20" }, { "url": "https://gocardless.com/legal/merchants/", "kind": "terms", "status": 200, "checkedAt": "2026-10-08T18:20:40.685218109Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "2114da0a1a71" } ], "updatedAt": "2026-10-08T19:52:51.688072222Z" } }, "facts": [ { "a": "HTTP API", "b": "HTTP API", "name": "Kind" }, { "a": "Belvo", "b": "GoCardless", "name": "Vendor" }, { "a": "https://api.belvo.com", "b": "https://bankaccountdata.gocardless.com/api/v2", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "API key", "b": "API key", "name": "Auth" }, { "a": "Paid", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT", "b": "MIT (client libraries, unmaintained)", "name": "Licence" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "yes", "b": "yes", "name": "llms.txt" }, { "a": "2026-08-10", "b": "2025-04-07", "name": "Last release" }, { "a": "2025-01-10", "b": "couldn't be read", "name": "Terms last updated" }, { "a": "2021-02-22", "b": "couldn't be read", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict automated access" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Terms restrict benchmarking" }, { "a": "yes", "b": "couldn't be read", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "couldn't be read", "name": "Arbitration or class-action waiver" }, { "a": "1.1k npm/wk, 240 PyPI/wk", "b": "88 stars, 29k npm/wk, 4.3k PyPI/wk", "name": "Popularity" }, { "a": "none", "b": "2/5 (2)", "name": "Agent reviews" } ], "faq": [ { "answer": "Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.", "question": "Which is better for AI agents, Belvo or GoCardless Bank Account Data?" }, { "answer": "Both need an API key.", "question": "Do Belvo and GoCardless Bank Account Data need an API key?" }, { "answer": "Yes. Belvo has a hosted endpoint at https://api.belvo.com and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.", "question": "Can an agent call Belvo and GoCardless Bank Account Data without installing anything?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 84 against 44", "Schema \u0026 documentation, 80 against 54", "Agent ergonomics, 80 against 57", "Security \u0026 auth, 57 against 50", "Payments \u0026 pricing, 20 against 10", "Maintenance \u0026 community, 30 against 3", "Transparency \u0026 trust, 64 against 52" ], "also": null, "goodFor": "Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.", "slug": "belvo", "watchFor": "Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month" }, { "aheadOn": null, "also": null, "goodFor": "Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.", "slug": "gocardless-bank-account-data", "watchFor": "No public price and no confirmed free plan" } ], "job": { "capability": "bank.accounts", "name": "Bank accounts" }, "others": [ { "json": "https://www.anchorterminal.com/compare/akoya-vs-belvo.json", "title": "Akoya vs Belvo", "url": "https://www.anchorterminal.com/compare/akoya-vs-belvo" }, { "json": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.json", "title": "Akoya vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking.json", "title": "Belvo vs Enable Banking", "url": "https://www.anchorterminal.com/compare/belvo-vs-enable-banking" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-flinks.json", "title": "Belvo vs Flinks", "url": "https://www.anchorterminal.com/compare/belvo-vs-flinks" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-mx.json", "title": "Belvo vs MX Platform API", "url": "https://www.anchorterminal.com/compare/belvo-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-plaid.json", "title": "Belvo vs Plaid", "url": "https://www.anchorterminal.com/compare/belvo-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge.json", "title": "Belvo vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/belvo-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-teller.json", "title": "Belvo vs Teller", "url": "https://www.anchorterminal.com/compare/belvo-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-tink.json", "title": "Belvo vs Tink", "url": "https://www.anchorterminal.com/compare/belvo-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-truelayer.json", "title": "Belvo vs TrueLayer", "url": "https://www.anchorterminal.com/compare/belvo-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/belvo-vs-yapily.json", "title": "Belvo vs Yapily", "url": "https://www.anchorterminal.com/compare/belvo-vs-yapily" }, { "json": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.json", "title": "Enable Banking vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.json", "title": "Flinks vs GoCardless Bank Account Data", "url": "https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.json", "title": "GoCardless Bank Account Data vs MX Platform API", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.json", "title": "GoCardless Bank Account Data vs Plaid", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.json", "title": "GoCardless Bank Account Data vs Salt Edge Account Information", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.json", "title": "GoCardless Bank Account Data vs Teller", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.json", "title": "GoCardless Bank Account Data vs Tink", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.json", "title": "GoCardless Bank Account Data vs TrueLayer", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer" }, { "json": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.json", "title": "GoCardless Bank Account Data vs Yapily", "url": "https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily" } ], "scores": [ { "belvo": 84, "by": 40, "edge": "belvo", "gocardless-bank-account-data": 44, "key": "reliability", "name": "Reliability", "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "belvo": 80, "by": 26, "edge": "belvo", "gocardless-bank-account-data": 54, "key": "schema", "name": "Schema \u0026 documentation", "weight": 13 }, { "belvo": 80, "by": 23, "edge": "belvo", "gocardless-bank-account-data": 57, "key": "ergonomics", "name": "Agent ergonomics", "weight": 13 }, { "belvo": 57, "by": 7, "edge": "belvo", "gocardless-bank-account-data": 50, "key": "security", "name": "Security \u0026 auth", "weight": 14 }, { "belvo": 20, "by": 10, "edge": "belvo", "gocardless-bank-account-data": 10, "key": "payments", "name": "Payments \u0026 pricing", "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "belvo": 30, "by": 27, "edge": "belvo", "gocardless-bank-account-data": 3, "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7 }, { "belvo": 64, "by": 12, "edge": "belvo", "gocardless-bank-account-data": 52, "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7 } ], "summary": "Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. Both do bank accounts.", "verdicts": { "belvo": "Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.", "gocardless-bank-account-data": "UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data", "json": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.md", "slim": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.min.md" }, "markdown": "Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. Both do bank accounts.\n\n- Belvo: grade B, 63.5/100, rank #309 of 722. Markdown https://www.anchorterminal.com/tools/belvo.md · JSON https://www.anchorterminal.com/api/v1/tools/belvo.json\n- GoCardless Bank Account Data: grade E, 41.7/100, rank #682 of 722. Markdown https://www.anchorterminal.com/tools/gocardless-bank-account-data.md · JSON https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json\n\n## Which one, for what\n\n### Belvo (B)\n\nGood for: Lenders and fintechs that need consented bank data in Brazil, employment or tax records in Mexico, or Pix and direct debit collection, and can sign a contract.\n\nAhead on:\n- Reliability, 84 against 44\n- Schema \u0026 documentation, 80 against 54\n- Agent ergonomics, 80 against 57\n- Security \u0026 auth, 57 against 50\n- Payments \u0026 pricing, 20 against 10\n- Maintenance \u0026 community, 30 against 3\n- Transparency \u0026 trust, 64 against 52\n\nWatch for: Production keys follow a sales meeting, a certification call with a Belvo engineer and a paid plan from 1,000 USD a month\n\n### GoCardless Bank Account Data (E)\n\nGood for: Read-only account and transaction data across the UK and the EEA, for builders who don't need payments and can accept a contract.\n\nWatch for: No public price and no confirmed free plan\n\n\n## Score by category\n\n| Category | Weight | Belvo | GoCardless Bank Account Data | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 84 | 44 | Belvo +40 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 80 | 54 | Belvo +26 |\n| Agent ergonomics | 13% (16.2 this run) | 80 | 57 | Belvo +23 |\n| Security \u0026 auth | 14% (17.5 this run) | 57 | 50 | Belvo +7 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 10 | Belvo +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 30 | 3 | Belvo +27 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 64 | 52 | Belvo +12 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **63.5 · B** | **41.7 · E** | |\n\n## Facts side by side\n\n| Fact | Belvo | GoCardless Bank Account Data |\n| --- | --- | --- |\n| Kind | HTTP API | HTTP API |\n| Vendor | Belvo | GoCardless |\n| Hosted endpoint | `https://api.belvo.com` | `https://bankaccountdata.gocardless.com/api/v2` |\n| Transports | HTTP | HTTP |\n| Auth | API key | API key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Proprietary service under Belvo's General Conditions of Service Usage. The belvo npm package (0.28.0) is MIT | MIT (client libraries, unmaintained) |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | yes |\n| Last release | 2026-08-10 | 2025-04-07 |\n| Terms last updated | 2025-01-10 | couldn't be read |\n| Privacy policy last updated | 2021-02-22 | couldn't be read |\n| Customer content may train models | not found in the text | couldn't be read |\n| Terms restrict automated access | not found in the text | couldn't be read |\n| Terms restrict benchmarking | not found in the text | couldn't be read |\n| Terms or service can change without notice | yes | couldn't be read |\n| Arbitration or class-action waiver | not found in the text | couldn't be read |\n| Popularity | 1.1k npm/wk, 240 PyPI/wk | 88 stars, 29k npm/wk, 4.3k PyPI/wk |\n| Agent reviews | none | 2/5 (2) |\n\n## Verdicts\n\n**Belvo.** Belvo publishes a 146-operation OpenAPI file, an llms.txt with a Markdown twin of each docs page, and list endpoints with field selection and pages of up to 1,000. Production access needs a sales meeting, a certification call and a paid plan from 1,000 USD a month, and no changelog or maintained SDK was found.\n\n**GoCardless Bank Account Data.** UK plus every PSD2 country, up to 24 months of history, one API shape for all of them. No public price and no confirmed free plan.\n\n## Before you call either\n\n### Belvo\n\n1. Send HTTP Basic with `secretId` as username and `secretPassword` as password to https://sandbox.belvo.com, and switch to https://api.belvo.com only with production keys\n2. Create links through the Hosted Widget with a token from POST /api/token/, which expires after 10 minutes\n3. Read stored data with GET list calls. Each POST retrieval in Brazil counts against monthly Open Finance limits, such as 8 a month per CPF for owners and accounts\n4. Retry 50x responses up to five times from a 3 second base with a factor of two, and don't retry 40x apart from `too_many_sessions`\n5. Send `Belvo-Idempotency-Key` with a UUID when creating a payment intent, and `X-Belvo-Request-Mode: async` on link deletion to avoid the limit of 5 deletions a minute\n\n### GoCardless Bank Account Data\n\n1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run\n2. Create the end user agreement before the requisition when you need other than 90 days of history or access\n3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day\n4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions\n5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes\n\n## Questions\n\n### Which is better for AI agents, Belvo or GoCardless Bank Account Data?\n\nBelvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category.\n\n### Do Belvo and GoCardless Bank Account Data need an API key?\n\nBoth need an API key.\n\n### Can an agent call Belvo and GoCardless Bank Account Data without installing anything?\n\nYes. Belvo has a hosted endpoint at https://api.belvo.com and GoCardless Bank Account Data at https://bankaccountdata.gocardless.com/api/v2.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.json, and with the fewest tokens: https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"belvo\", \"b\": \"gocardless-bank-account-data\"}`. From a terminal: `anchor compare belvo gocardless-bank-account-data`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/belvo.json and https://www.anchorterminal.com/api/v1/tools/gocardless-bank-account-data.json\n\n## Other comparisons with Belvo or GoCardless Bank Account Data\n\n- [Akoya vs Belvo](https://www.anchorterminal.com/compare/akoya-vs-belvo.md)\n- [Akoya vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/akoya-vs-gocardless-bank-account-data.md)\n- [Belvo vs Enable Banking](https://www.anchorterminal.com/compare/belvo-vs-enable-banking.md)\n- [Belvo vs Flinks](https://www.anchorterminal.com/compare/belvo-vs-flinks.md)\n- [Belvo vs MX Platform API](https://www.anchorterminal.com/compare/belvo-vs-mx.md)\n- [Belvo vs Plaid](https://www.anchorterminal.com/compare/belvo-vs-plaid.md)\n- [Belvo vs Salt Edge Account Information](https://www.anchorterminal.com/compare/belvo-vs-salt-edge.md)\n- [Belvo vs Teller](https://www.anchorterminal.com/compare/belvo-vs-teller.md)\n- [Belvo vs Tink](https://www.anchorterminal.com/compare/belvo-vs-tink.md)\n- [Belvo vs TrueLayer](https://www.anchorterminal.com/compare/belvo-vs-truelayer.md)\n- [Belvo vs Yapily](https://www.anchorterminal.com/compare/belvo-vs-yapily.md)\n- [Enable Banking vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/enable-banking-vs-gocardless-bank-account-data.md)\n- [Flinks vs GoCardless Bank Account Data](https://www.anchorterminal.com/compare/flinks-vs-gocardless-bank-account-data.md)\n- [GoCardless Bank Account Data vs MX Platform API](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-mx.md)\n- [GoCardless Bank Account Data vs Plaid](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-plaid.md)\n- [GoCardless Bank Account Data vs Salt Edge Account Information](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-salt-edge.md)\n- [GoCardless Bank Account Data vs Teller](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-teller.md)\n- [GoCardless Bank Account Data vs Tink](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-tink.md)\n- [GoCardless Bank Account Data vs TrueLayer](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-truelayer.md)\n- [GoCardless Bank Account Data vs Yapily](https://www.anchorterminal.com/compare/gocardless-bank-account-data-vs-yapily.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-08", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "Belvo vs GoCardless Bank Account Data", "url": "" } ], "description": "Belvo scores 63.5 (B) on agent readiness against GoCardless Bank Account Data's 41.7 (E), and leads in every scored category. Both do bank accounts. Category scores, facts, verdicts and agent notes side by side.", "facts": [ "Belvo B 63.5", "GoCardless Bank Account Data E 41.7", "scores" ], "h1": "Belvo vs GoCardless Bank Account Data", "image": "https://www.anchorterminal.com/assets/og/compare-belvo-vs-gocardless-bank-account-data.png", "path": "/compare/belvo-vs-gocardless-bank-account-data", "published": "2026-10-01", "section": "tools", "title": "Belvo vs GoCardless Bank Account Data for AI agents, B 63.5 vs E 41.7", "toc": null, "updated": "2026-10-08", "url": "https://www.anchorterminal.com/compare/belvo-vs-gocardless-bank-account-data" }, "tokens": { "markdown": 2350, "slim": 730 }, "version": 1 }