Best API Banking for Developers in USA in 2025

Plaid Payments is a solution for businesses to quickly and securely connect customer accounts, verify transactions, and move money using a variety of payment rails (ACH, RTP, FedNow). It is designed to reduce payment costs, increase conversion, and enhance security and compliance.

Mastercard Open Finance enables businesses and consumers to control and share their financial data securely, facilitating a wide range of digital finance experiences. The platform supports account-to-account payments, account opening, personal finance management, business cashflow optimization, and smarter lending, all through secure API connections.

Payment Galaxy consolidates payment processing for banks into a single, intelligent hub. It automates compliance, supports real-time payments, and integrates with any core, GL, AML, or fraud system using APIs. The platform is composable, ISO 20022-native, and cloud-based, offering no-code configuration, universal message support, and intelligent orchestration.

Alloy's platform enables financial institutions and fintechs to automate and customize KYC, KYB, AML, and fraud checks, providing a comprehensive and centralized view of customer risk. It integrates with over 200 data solutions and policies, allowing organizations to test, launch, and scale new products while maintaining compliance and reducing fraud.

Corporate & Institutional Banking at Bank of America delivers data and technology-driven solutions for managing business operations, optimizing liquidity, managing risk, and supporting institutional investing. The offering is designed for large corporations, multinational companies, and institutional investors, providing access to global markets, research, and a range of financial products and services.