Method provides a unified API that lets fintech platforms, lenders, e‑commerce merchants, and digital banks connect to over 10,000 U.S. financial institutions with a single phone‑number authentication. The service delivers real‑time liability data—balances, transactions, due dates, credit limits, APRs, and payoff quotes—and includes an embedded payment engine for instant bill payments and balance transfers, all while handling security and compliance.
Funding
$42M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
+4Founders
Product
Problem
Consumers and fintech applications often struggle to obtain up-to-date liability account information because they must integrate with dozens of separate financial institutions, collect sensitive credentials, and manually reconcile balances and payment details. This fragmented approach leads to delayed data, high security overhead, and poor user experiences in lending, checkout, and bill‑pay flows.
Solution
Method offers a unified API that connects to over 10,000 U.S. financial institutions through a single phone‑number authentication step. The platform continuously syncs real‑time liability data—including balances, transactions, due dates, credit limits, APRs, and payoff quotes—directly from the source systems, eliminating the need for credential collection. Embedded payment capabilities allow applications to initiate bill payments and balance transfers without manual account numbers or instructions, delivering instant settlement confirmations. Developers can integrate connectivity, data retrieval, and payment initiation with a few API calls, while Method handles security, compliance, and evergreen connections, enabling end‑to‑end lending, checkout, and loyalty experiences.
Target Audience
Primary customers are fintech platforms, consumer lenders, e‑commerce merchants, and digital banking services that need seamless liability account connectivity and integrated payment capabilities for their end users.
Features
- Single authentication via phone number to link credit cards, student loans, auto loans, mortgages, and other liability accounts across 10,000+ institutions
- Real‑time data feeds delivering balances, transactions, due dates, payoff amounts, credit limits, APR ranges, and more
- Push notifications and attribute alerts for balance changes, new accounts, delinquencies, and over 300 additional data points
- Embedded payment engine that initiates bill payments and balance transfers to any U.S. biller or financial institution with instant settlement confirmation
- Evergreen connections that maintain up‑to‑date account information without re‑authentication
- Full security and privacy compliance managed by Method, removing the need for developers to handle sensitive credentials