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APIs · head to head

MX Technologies vs Prisma

MX Technologies logo

MX Technologies

APIs

US financial data aggregation with heavy transaction cleansing and enrichment

From
On request
Rated
-
Full reviewWebsite
Prisma logo

Prisma

APIs

Modern ORM and API client for Node.js and TypeScript

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Prisma has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • They diverge on capability: MX Technologies covers Account aggregation, Prisma covers ORM.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which MX Technologies and Prisma actually diverge.

Attributes where MX Technologies and Prisma differ
AttributeMX TechnologiesPrisma
Starting priceOn requestFree
Pricing modelquoteusage-based
Free tierNoYes
PlatformsAPI, WebNode.js, TypeScript
FoundedUnknown2016

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 MX Technologies

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

Only in Prisma

  • ORM
  • Query builder
  • Auto-migrations
  • Node.js
  • TypeScript
  • GraphQL
  • REST APIs
  • Node.js support

What people use each for

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

MX Technologies

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

Prisma

  • Using a type safe ORM and query layer against a Postgres databasenot MX Technologies
  • Adding a managed connection pool and edge cache in front of an existing databasenot MX Technologies

Where each one falls short

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

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.

Prisma

  • Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
  • Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
  • Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
  • Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
  • Cache tag invalidations are not included below the Pro plan and are billed per thousand above it

Pricing, plan by plan

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

Prisma

Free
  • FreeFree
    • 1M requests/month
    • 360 GB-hours memory
    • 4 vCPU-hours
  • Starter$10/month
    • 5M requests/month
    • 1M database operations ($8 per million overage)
    • 10 GB storage ($2/GB overage)
  • Pro$49/month
    • 20M requests/month
    • 10M operations ($2 per million overage)
    • 50 GB storage ($1.50/GB overage)
  • Business$129/month
    • 100M requests/month
    • 50M operations ($1 per million overage)
    • 100 GB storage

Which should you pick?

Choose MX Technologies if

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

Choose Prisma if

  • You need orm.
  • You want to start without paying.
  • You work on Node.js, TypeScript.
  • You also want query builder.
Prisma review

Questions people ask

Is MX Technologies or Prisma better?
Neither clearly leads. MX Technologies starts at On request and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, MX Technologies or Prisma?
Prisma has a free tier; the other does not. Paid plans start at On request for MX Technologies and Free for Prisma.
Does MX Technologies or Prisma run on more platforms?
MX Technologies runs on API, Web. Prisma runs on Node.js, TypeScript.
Can I use Prisma for free?
Yes. Prisma has a free tier, so you can try it without paying. MX Technologies starts at On request.
What is MX Technologies best used for?
MX Technologies is most often used for a credit union building a personal finance view in its own app that needs its own transaction descriptions made readable, a lender using cash flow underwriting that needs categorised income and expense data rather than raw transaction strings, a bank wanting account verification and balance checks before initiating ach debits to reduce returns, a fintech that already aggregates data elsewhere and licenses only the enrichment layer to clean what it has. Of those, a credit union building a personal finance view in its own app that needs its own transaction descriptions made readable and a lender using cash flow underwriting that needs categorised income and expense data rather than raw transaction strings are not what Prisma is typically brought in for.
What can MX Technologies do that Prisma cannot?
MX Technologies covers Account aggregation, Transaction cleansing, Categorisation, Merchant resolution. Prisma covers ORM, Query builder, Auto-migrations, Node.js.

Answered from the vendors’ own pages

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.

Prisma: How much does Prisma cost?

Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.

Source
MX Technologies: Does it cover Europe?

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

Prisma: What is Prisma's overage pricing?

Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.

Source
MX Technologies: Is pricing published?

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

Prisma: Does Prisma include data transfer costs?

No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.

Source
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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