GoCardless Bank Account Data vs Salt Edge Account Information

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.

Salt Edge Account Information

5,000-plus banks in more than 50 countries, by Salt Edge's own count. Rate limit exceeded returns HTTP 406 RateLimitExceeded, not 429.

GoCardless Bank Account Data

1. Cache the access token for its 24 hours and use /api/v2/token/refresh/ rather than minting a new pair each run
2. Create the end user agreement before the requisition when you need other than 90 days of history or access
3. Read the per-account rate limit headers; on 429 wait for the account reset time, since some banks allow 4 calls a day
4. Poll /api/v2/accounts/{id}/ until status is READY before asking for transactions
5. Call the REST endpoints directly; the Nordigen SDKs still install but get no fixes

Salt Edge Account Information

1. Treat HTTP 406 with error_class RateLimitExceeded as a rate limit and back off; it isn't a content-negotiation error
2. Start with fakebank_simple_xf in country XF; it needs no bank sandbox
3. Sign requests from the start even in Test, so the move to Live doesn't change your client
4. Follow next_page from the meta block rather than building from_id URLs yourself
5. Revoke with PUT /api/v6/consents/{consent_id}/revoke when the user is done