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APIs · head to head

Apollo GraphQL vs MX Technologies

Apollo GraphQL logo

Apollo GraphQL

APIs

GraphQL platform and API orchestration layer for building unified graphs

From
Free
Rated
-
Full reviewWebsite
MX Technologies logo

MX Technologies

APIs

US financial data aggregation with heavy transaction cleansing and enrichment

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Apollo GraphQL has a free tier, so it costs nothing to try first.
  • Each has a real cost: Apollo GraphQL pricing beyond the Developer tier requires contacting sales, making cost comparison harder for mid-size teams.; MX Technologies coverage is United States focused, so any product with European or other international users runs a second aggregator and reconciles two data models, which removes most of the single vendor argument.
  • They diverge on capability: Apollo GraphQL covers Apollo Connectors, MX Technologies covers Account aggregation.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Apollo GraphQL and MX Technologies actually diverge.

Attributes where Apollo GraphQL and MX Technologies differ
AttributeApollo GraphQLMX Technologies
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
Platformsweb, apiAPI, Web

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Apollo GraphQL

  • Apollo Connectors
  • GraphOS Router
  • Schema registry
  • Schema checks
  • Response caching
  • Audit logging

Only in MX Technologies

  • Account aggregation
  • Transaction cleansing
  • Categorisation
  • Merchant resolution
  • Account verification
  • Balance and funds checks
  • Data enhancement APIs
  • Consent and connection management

What people use each for

The jobs each tool is most often brought in to do.

Apollo GraphQL

  • Federating multiple backend services into one GraphQL APInot MX Technologies
  • Wrapping legacy REST APIs for frontend consumptionnot MX Technologies
  • Enterprise API governance with schema checks and audit logsnot MX Technologies
  • Reducing frontend over-fetching and under-fetching of datanot MX Technologies

MX Technologies

  • A credit union building a personal finance view in its own app that needs its own transaction descriptions made readablenot Apollo GraphQL
  • A lender using cash flow underwriting that needs categorised income and expense data rather than raw transaction stringsnot Apollo GraphQL
  • A bank wanting account verification and balance checks before initiating ACH debits to reduce returnsnot Apollo GraphQL
  • A fintech that already aggregates data elsewhere and licenses only the enrichment layer to clean what it hasnot Apollo GraphQL

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Apollo GraphQL

  • Pricing beyond the Developer tier requires contacting sales, making cost comparison harder for mid-size teams.
  • Adopting GraphOS effectively requires buy-in to the GraphQL paradigm, which is a larger architectural shift than adding a REST gateway.
  • The free plan's 1-day data retention and 60 req/min self-hosted router limit make it unsuitable for production use.
  • Volume-based per-request pricing can become expensive at very high request volumes compared to flat-rate API gateways.

MX Technologies

  • Coverage is United States focused, so any product with European or other international users runs a second aggregator and reconciles two data models, which removes most of the single vendor argument.
  • Nothing is published on price and contracts are enterprise shaped, so a small fintech cannot estimate cost or start building without a sales process, unlike self-serve competitors.
  • Data enhancement is the differentiator and is licensed separately from aggregation, so the quoted aggregation price is not the price of the product people actually buy it for.
  • Categorisation and merchant resolution are statistical and get business to business and unusual transactions wrong more often than consumer retail, so lending decisions built on categorised data need their own review layer.
  • As the United States moves to regulated API access, connection quality depends on what each institution exposes, and the long tail of small banks and credit unions remains the weakest part of any aggregator including this one.

Pricing, plan by plan

Apollo GraphQL

Free
  • FreeFree
    • Up to 3 developers
    • 1-day data retention
    • Community support
  • Developer$5/month
    • $5 per million requests with volume discounts
    • $50 usage credit for new signups
    • Up to 10 developers
  • Standard$undefined/month
    • Up to 30 developers
    • 90-day data retention
    • Standard support with SLA
  • Enterprise$undefined/month
    • Unlimited developers
    • 18-month data retention
    • 24x7x365 support with SLA

MX Technologies

On request
  • MX Platform$undefined/year
    • Priced by connected users, API calls and modules
    • Data enhancement licensed separately from aggregation
    • Enterprise contracts aimed at financial institutions

Which should you pick?

Choose Apollo GraphQL if

  • You need apollo connectors.
  • You want to start without paying.
  • You work on web, api.
  • You also want graphos router.
Apollo GraphQL review

Choose MX Technologies if

  • You need account aggregation.
  • You work on API, Web.
  • You also want transaction cleansing.
MX Technologies review

Questions people ask

Is Apollo GraphQL or MX Technologies better?
Neither clearly leads. Apollo GraphQL starts at Free and MX Technologies at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Apollo GraphQL or MX Technologies?
Apollo GraphQL has a free tier; the other does not. Paid plans start at Free for Apollo GraphQL and On request for MX Technologies.
Does Apollo GraphQL or MX Technologies run on more platforms?
Apollo GraphQL runs on web, api. MX Technologies runs on API, Web.
Can I use Apollo GraphQL for free?
Yes. Apollo GraphQL has a free tier, so you can try it without paying. MX Technologies starts at On request.
What is Apollo GraphQL best used for?
Apollo GraphQL is most often used for federating multiple backend services into one graphql api, wrapping legacy rest apis for frontend consumption, enterprise api governance with schema checks and audit logs, reducing frontend over-fetching and under-fetching of data. Of those, federating multiple backend services into one graphql api and wrapping legacy rest apis for frontend consumption are not what MX Technologies is typically brought in for.
What can Apollo GraphQL do that MX Technologies cannot?
Apollo GraphQL covers Apollo Connectors, GraphOS Router, Schema registry, Schema checks. MX Technologies covers Account aggregation, Transaction cleansing, Categorisation, Merchant resolution.

Answered from the vendors’ own pages

Apollo GraphQL: What does Apollo GraphQL cost?

The Free plan supports up to 3 developers at no cost. Developer plan starts at $5 per million requests with a $50 signup credit, while Standard and Enterprise require contacting sales for custom pricing.

Source
MX Technologies: What does MX do that Plaid does not?

It sells transaction cleansing, categorisation and merchant resolution as a first class product, including on data you already hold, which is why financial institutions rather than startups are its core customers.

Apollo GraphQL: Is there a free plan and what are its limits?

Yes, the Free 'Forever Free' plan supports up to 3 developers, 1-day data retention for checks and insights, and a self-hosted router capped at 60 requests per minute.

Source
MX Technologies: Does it cover Europe?

No. MX is United States focused. European coverage requires a different provider such as Tink.

Apollo GraphQL: How is usage metered on paid plans?

Standard requests are billed per million operations with tiered volume discounts, starting at $5.00/million for the first 250M and dropping to $3.00/million beyond 5B, with similar tiered pricing for subscription update events.

Source
MX Technologies: Is pricing published?

No. Contracts are quoted by connected users, call volume and modules, with enhancement licensed separately from aggregation.

MX Technologies: Does it use screen scraping?

It uses direct bank APIs where institutions expose them and credential based connections elsewhere. The credential path is being deprecated across the industry, and coverage quality now tracks which banks have real APIs.

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