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APIs · head to head

MX Technologies vs Zeplo

MX Technologies logo

MX Technologies

APIs

US financial data aggregation with heavy transaction cleansing and enrichment

From
On request
Rated
-
Full reviewWebsite
Zeplo logo

Zeplo

APIs

Message queue as a URL prefix, adding retries and delays to any HTTP request

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zeplo 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.; Zeplo zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • They diverge on capability: MX Technologies covers Account aggregation, Zeplo covers URL prefix interface.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

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

Attributes where MX Technologies and Zeplo differ
AttributeMX TechnologiesZeplo
Starting priceOn requestFree
Pricing modelquotePer month by request count
Free tierNoYes
PlatformsAPI, WebWeb, Cloud

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 Zeplo

  • URL prefix interface
  • Retries with backoff
  • Delayed delivery
  • Cron scheduling
  • Concurrency limits
  • Deduplication keys
  • Request logs
  • Team workspaces

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

Zeplo

  • A Vercel or Cloudflare Workers application that needs retried background jobs without deploying a separate always-on workernot MX Technologies
  • A team that wants a webhook receiver protected by a concurrency limit so a burst does not overwhelm a downstream APInot MX Technologies
  • A small product needing cron jobs against HTTP endpoints without adding a scheduler to its infrastructurenot MX Technologies
  • A developer adding idempotent retries to an unreliable third-party API call with a one-line URL changenot 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.

Zeplo

  • Zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • The free Developer tier includes only 500 requests a month and one team member, so it is a demonstration allowance rather than a usable free plan for anything real.
  • Overage on the Developer tier is 20 US dollars per 100,000 requests, two hundred times the marginal rate on the Company tier, so exceeding the free allowance without upgrading is expensive.
  • Team members cost 15 US dollars each beyond the plan allowance, which is an odd charge on an infrastructure product billed by request volume.
  • Log retention is 30 days on both published tiers, so anything requiring longer audit trails on job execution has to be logged separately.

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

Zeplo

Free
  • DeveloperFree
    • 500 requests a month included
    • $20 per additional 100,000 requests
    • 1 team member
  • Company$39/month
    • 1,000,000 requests a month included
    • $10 per additional million requests
    • Up to 3 team members
  • Enterprise$undefined/month
    • Volume discounts
    • Custom team size
    • Support with SLA

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 Zeplo if

  • You need url prefix interface.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want retries with backoff.
Zeplo review

Questions people ask

Is MX Technologies or Zeplo better?
Neither clearly leads. MX Technologies starts at On request and Zeplo at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, MX Technologies or Zeplo?
Zeplo has a free tier; the other does not. Paid plans start at On request for MX Technologies and Free for Zeplo.
Does MX Technologies or Zeplo run on more platforms?
MX Technologies runs on API, Web. Zeplo runs on Web, Cloud.
Can I use Zeplo for free?
Yes. Zeplo 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 Zeplo is typically brought in for.
What can MX Technologies do that Zeplo cannot?
MX Technologies covers Account aggregation, Transaction cleansing, Categorisation, Merchant resolution. Zeplo covers URL prefix interface, Retries with backoff, Delayed delivery, Cron scheduling.

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.

Zeplo: How does Zeplo work?

You prefix your endpoint URL with zeplo.to and add query parameters for retries, delay, cron or concurrency. No SDK or broker is needed.

MX Technologies: Does it cover Europe?

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

Zeplo: What does it cost?

Free for 500 requests a month; 39 US dollars a month for a million requests, then 10 dollars per additional million.

MX Technologies: Is pricing published?

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

Zeplo: Is it suitable for critical jobs?

It is a small vendor in your execution path with no published SLA below Enterprise, so weigh that against the convenience.

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.

Zeplo: Does it work with serverless platforms?

Yes, that is its main use, covering Vercel, Cloudflare Workers, Netlify and similar environments that lack long-running workers.

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