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APIs · head to head

MX Technologies vs PubNub

MX Technologies logo

MX Technologies

APIs

US financial data aggregation with heavy transaction cleansing and enrichment

From
On request
Rated
-
Full reviewWebsite
PubNub logo

PubNub

APIs

Realtime communication platform for chat, IoT, and live data apps

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only PubNub 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.; PubNub free plan storage history is limited to 7 days, which is short for apps needing longer message retention.
  • They diverge on capability: MX Technologies covers Account aggregation, PubNub covers Pub/sub messaging.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where MX Technologies and PubNub differ
AttributeMX TechnologiesPubNub
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsAPI, Webweb, ios, android, api

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 PubNub

  • Pub/sub messaging
  • Presence tracking
  • Message persistence
  • Serverless Functions
  • File sharing
  • Encryption and access controls

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 PubNub
  • A lender using cash flow underwriting that needs categorised income and expense data rather than raw transaction stringsnot PubNub
  • A bank wanting account verification and balance checks before initiating ACH debits to reduce returnsnot PubNub
  • A fintech that already aggregates data elsewhere and licenses only the enrichment layer to clean what it hasnot PubNub

PubNub

  • Building realtime chat applicationsnot MX Technologies
  • Streaming live IoT sensor datanot MX Technologies
  • Adding presence indicators to collaborative appsnot MX Technologies
  • Running edge logic with serverless Functions on realtime eventsnot 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.

PubNub

  • Free plan storage history is limited to 7 days, which is short for apps needing longer message retention.
  • MAU-based pricing means costs scale directly with user growth, which can be less predictable than flat message-based pricing.
  • Pro-tier custom pricing above 50,000 MAU requires contacting sales rather than self-serve checkout.

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

PubNub

Free
  • FreeFree
    • Up to 200 MAU or 1M transactions
    • 1GB data storage (7 days)
    • 5 test Serverless Functions
  • Starter$98/month
    • 1,000 MAU included
    • User management
    • Insights
  • Pro$undefined/month
    • Custom MAU packages
    • Volume discounts
    • Enterprise-scale configurations

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 PubNub if

  • You need pub/sub messaging.
  • You want to start without paying.
  • You work on web, ios, android, api.
  • You also want presence tracking.
PubNub review

Questions people ask

Is MX Technologies or PubNub better?
Neither clearly leads. MX Technologies starts at On request and PubNub at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, MX Technologies or PubNub?
PubNub has a free tier; the other does not. Paid plans start at On request for MX Technologies and Free for PubNub.
Does MX Technologies or PubNub run on more platforms?
MX Technologies runs on API, Web. PubNub runs on web, ios, android, api.
Can I use PubNub for free?
Yes. PubNub 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 PubNub is typically brought in for.
What can MX Technologies do that PubNub cannot?
MX Technologies covers Account aggregation, Transaction cleansing, Categorisation, Merchant resolution. PubNub covers Pub/sub messaging, Presence tracking, Message persistence, Serverless Functions.

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.

PubNub: What does PubNub cost?

PubNub offers a free plan for up to 200 MAU or 1 million transactions, a Starter plan at $98/month for 1,000 MAU, and custom Pro pricing for larger volumes, e.g. around $550/month for 10,000 MAU.

Source
MX Technologies: Does it cover Europe?

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

PubNub: Is there a free plan, and what are its limits?

Yes, the free plan supports up to 200 monthly active users or 1 million transactions, includes 1GB of data storage retained for 7 days, and requires no credit card.

Source
MX Technologies: Is pricing published?

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

PubNub: How is usage metered?

PubNub bills primarily by Monthly Active Users, defined as a unique user who connects at least once in a billing cycle; messages are bundled into MAU pricing with no separate per-message fees, and overage is billed proportionally.

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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