Method Financial

Method Financial is a connectivity platform that links consumer credit and liability accounts—such as credit cards, auto loans, student loans, and mortgages—to enable real-time account data intelligence and embedded payments. It solves the problem of accessing up-to-date liability information and initiating payments across financial institutions without requiring users to share login credentials or manual account details.

The platform offers three core products: Connect, Data, and Pay. Connect uses a single authentication method to link accounts across over 20,000 financial institutions. Data provides real-time enriched information including balances, transactions, due dates, payoff quotes, credit limits, and APR ranges, along with push notifications for changes. Pay enables embedded payments such as balance transfers, loan payoffs, and bill pay, with real-time settlement and confirmations. The platform is accessed via APIs and SDKs, with a Dashboard for managing integrations.

Method is designed for fintechs, consumer lenders, personal finance apps, banks, credit unions, auto lenders, and commerce platforms. It is available through a developer portal with API documentation and a changelog; the website does not specify a free plan, trial, or pricing model.