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APIs · head to head

MX Technologies vs Stainless

MX Technologies logo

MX Technologies

APIs

US financial data aggregation with heavy transaction cleansing and enrichment

From
On request
Rated
-
Full reviewWebsite
Stainless logo

Stainless

APIs

Generates client SDKs, API docs, and MCP servers from an OpenAPI spec

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stainless 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.; Stainless starter and Pro plan prices are not published and require contacting the company.
  • They diverge on capability: MX Technologies covers Account aggregation, Stainless covers SDK generation.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where MX Technologies and Stainless differ
AttributeMX TechnologiesStainless
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsAPI, Webweb, 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 Stainless

  • SDK generation
  • MCP server generation
  • Docs site generation
  • Webhooks and streaming support
  • Automated unit tests
  • Git integration

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

Stainless

  • Generating typed SDKs for a public APInot MX Technologies
  • Producing an MCP server from an existing OpenAPI specnot MX Technologies
  • Building an API documentation site alongside client librariesnot MX Technologies
  • Giving open-source APIs a free SDK generation pathnot 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.

Stainless

  • Starter and Pro plan prices are not published and require contacting the company.
  • The free plan caps APIs at 25 endpoints, which excludes larger production APIs.
  • Overage charges apply per SDK/endpoint/month once limits are exceeded, which can make costs unpredictable at scale.

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

Stainless

Free
  • FreeFree
    • Up to 5 generators (SDKs, docs, or MCP servers)
    • 5 seats
    • APIs with 25 or fewer endpoints
  • Starter$undefined/mo
    • Unlimited generators
    • Expanded seats
    • Private SDKs of any size
  • Pro$undefined/mo
    • Custom enterprise features and pricing
  • Enterprise$undefined/mo
    • Dedicated support
    • SOC 2 compliance reports
    • Purchase order/invoicing with negotiable terms

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 Stainless if

  • You need sdk generation.
  • You want to start without paying.
  • You work on web, api.
  • You also want mcp server generation.
Stainless review

Questions people ask

Is MX Technologies or Stainless better?
Neither clearly leads. MX Technologies starts at On request and Stainless at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, MX Technologies or Stainless?
Stainless has a free tier; the other does not. Paid plans start at On request for MX Technologies and Free for Stainless.
Does MX Technologies or Stainless run on more platforms?
MX Technologies runs on API, Web. Stainless runs on web, api.
Can I use Stainless for free?
Yes. Stainless 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 Stainless is typically brought in for.
What can MX Technologies do that Stainless cannot?
MX Technologies covers Account aggregation, Transaction cleansing, Categorisation, Merchant resolution. Stainless covers SDK generation, MCP server generation, Docs site generation, Webhooks and streaming support.

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.

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

Yes. The Free plan supports up to 5 generators, 5 seats, APIs with 25 or fewer endpoints, and 100 preview builds per month, with email support.

Source
MX Technologies: Does it cover Europe?

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

Stainless: Who owns the generated SDK code?

The generated SDK code is owned by the customer and published by Stainless under the Apache 2.0 license.

Source
MX Technologies: Is pricing published?

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

Stainless: What happens if I exceed my plan's endpoint limit?

Customers exceeding their endpoint limits are billed per SDK, per endpoint, per month for the overage.

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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