{"jtbd":{"id":"financial-account-linking","slug":"financial-account-linking","name":"Open Banking, Account Linking, Real-Time Balance Checks & ACH Verification","shortName":"Bank account linking & ACH verification"},"recommended":{"role":"depot_pick","id":"stripe","slug":"stripe","name":"Stripe","website":"https://stripe.com","editorialOverall":8.83,"scoreKind":"curated_estimate","scoreAsOf":"2026-10-28","price":{"available":true,"unavailableReason":null,"skus":[{"id":"stripe-card-processing-base","providerId":"stripe","sku":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","unit":"usd_per_transaction","amountUsd":0.3,"currency":"USD","asOf":"2026-10-28","sourceUrl":"https://stripe.com/pricing","qualifier":"Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume).","normalizationStatus":"unit_mismatch","normalizedUsdPerMillionTokens":null,"normalizationReason":"Fixed per-transaction fee ($0.30) plus 2.9% percentage of transaction value.","priceSortEligible":false,"verifiedAsOf":null,"sourceCheck":"amount_only","ageDays":1,"stale":false,"firstSeen":"2026-10-28","lastChanged":null,"frequentlyChanging":false}],"normalizedUsdPerMillionTokens":null,"normalizationStatus":"unit_mismatch","normalizationReason":"unit_mismatch"}},"priceComparison":{"skuKind":"none","unit":null,"comparison":"no comparable sourced unit for this job; chat input $/1M and other units were not borrowed","amountLabel":"Matching price","reportsUsdPerMillion":false,"matchedCandidates":0},"cheapestInput":null,"cheapest":null,"recommendedWorkloadQuote":{"providerId":"stripe","providerName":"Stripe","skuId":"stripe-card-processing-base","item":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","plan":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge) — Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume)","unit":"usd_per_transaction","amountUsd":0.3,"outputSkuId":null,"outputItem":null,"outputAmountUsd":null,"outputUnit":null,"sourceUrl":"https://stripe.com/pricing","asOf":"2026-10-28","pricingLastVerifiedAt":"2026-10-28","isFlagshipForJob":true,"differsFromFloorCheapest":false,"representativeQuote":{"skuId":"stripe-card-processing-base","item":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","plan":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge) — Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume)","amountUsd":0.3,"inputOrUnitUsd":0.3,"unit":"usd_per_transaction","outputUsd":null,"outputUnit":null,"sourceUrl":"https://stripe.com/pricing","asOf":"2026-10-28"},"estimatedTaskCost":{"tasks":1000,"retryAndToolOverheadMultiplier":1.15,"retryToolOverheadMultiplier":1.15,"unitsPerTask":1,"baseCostPer1kTasksUsd":300,"totalUsd":345,"estimatedTotalUsd":345,"perTaskUsd":0.345,"estimatedCostPerTaskUsd":0.345,"formula":"(1,000 tasks * 1 unit/task * 0.3/transaction) * 1.15 overhead","assumptions":"1,000 tasks @ 1 unit/call per task in job native unit with 1.15x retry overhead."}},"representativeQuote":{"skuId":"stripe-card-processing-base","item":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge)","plan":"Stripe Standard US Online Card Processing (2.9% + $0.30 per successful card charge) — Standard US online card processing: 2.9% + $0.30 per successful charge ($0.30 fixed fee + 2.9% of transaction volume; Stripe Billing 0.7% of Billing volume)","amountUsd":0.3,"inputOrUnitUsd":0.3,"unit":"usd_per_transaction","outputUsd":null,"outputUnit":null,"sourceUrl":"https://stripe.com/pricing","asOf":"2026-10-28"},"estimatedTaskCost":{"tasks":1000,"retryAndToolOverheadMultiplier":1.15,"retryToolOverheadMultiplier":1.15,"unitsPerTask":1,"baseCostPer1kTasksUsd":300,"totalUsd":345,"estimatedTotalUsd":345,"perTaskUsd":0.345,"estimatedCostPerTaskUsd":0.345,"formula":"(1,000 tasks * 1 unit/task * 0.3/transaction) * 1.15 overhead","assumptions":"1,000 tasks @ 1 unit/call per task in job native unit with 1.15x retry overhead."},"cheapestGoodEnough":{"band":{"rule":"editorial overall >= Depot Pick overall - 0.5","minOverall":8.33,"pickOverall":8.83,"points":0.5},"pick":null,"reason":"no_matching_sourced_price","cheaperButBelowBand":[]},"dates":{"scoreAsOf":"2026-10-28","scoreKind":"curated_estimate","priceVerifiedAsOf":null,"note":"scoreAsOf is when the editorial score was last set; priceVerifiedAsOf is the newest fact-check of the pick's price rows. They are separate: a fresh price check does not re-score."},"sourcedInputs":[],"pickIsPriceWinner":null,"priceWinnerReason":"no_comparison_no_candidate_has_matching_sourced_price","priceWinnerNote":"Nothing was compared. no comparable sourced unit for this job; chat input $/1M and other units were not borrowed pickIsPriceWinner is null.","excluded":3,"coverage":{"candidates":5,"withAnySourcedRow":2,"withSourcedInputUsdPerMillion":0,"withMatchingPrice":0,"excludedNoSourcedPrice":3,"excludedFromCheapestInput":5},"normalizedUsdPerMillionTokens":null,"normalizationReason":"input_and_output_are_not_blended","seo":{"published":false,"reason":"Only 0 candidate(s) have a matching Matching price (none). Need 3 before a crawlable price section. Quote JSON is still returned."},"skipTopPick":false,"matchedConstraints":[],"unsupportedConstraints":[],"routePlan":{"jtbdId":"financial-account-linking","primary":{"providerId":"stripe","name":"Stripe","overall":8.83,"scoreBand":{"low":8.3,"mid":8.8,"high":9.3,"halfWidth":0.5,"basis":"editorial_prior","display":"8.3–9.3 (editorial prior)"},"scoreLayers":{"editorialPrior":8.83,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-28","editorialPriorAsOf":"2026-10-28","role":"primary","reason":"Editorial Depot Pick for Open Banking, Account Linking, Real-Time Balance Checks & ACH Verification; healthy/eligible under caller constraints."},"omittedReason":null,"fallback":[{"providerId":"nango","name":"Nango","overall":8.17,"scoreBand":{"low":7.6,"mid":8.2,"high":8.8,"halfWidth":0.6,"basis":"editorial_prior","display":"7.6–8.8 (editorial prior)"},"scoreLayers":{"editorialPrior":8.17,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-28","editorialPriorAsOf":"2026-10-28","role":"fallback","reason":"Ranked fallback route for Open Banking, Account Linking, Real-Time Balance Checks & ACH Verification."},{"providerId":"workos","name":"WorkOS","overall":8.6,"scoreBand":{"low":8,"mid":8.6,"high":9.2,"halfWidth":0.6,"basis":"editorial_prior","display":"8.0–9.2 (editorial prior)"},"scoreLayers":{"editorialPrior":8.6,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-28","editorialPriorAsOf":"2026-10-28","role":"fallback","reason":"Ranked fallback route for Open Banking, Account Linking, Real-Time Balance Checks & ACH Verification."},{"providerId":"lithic","name":"Lithic","overall":8.74,"scoreBand":{"low":8.1,"mid":8.7,"high":9.3,"halfWidth":0.6,"basis":"editorial_prior","display":"8.1–9.3 (editorial prior)"},"scoreLayers":{"editorialPrior":8.74,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-28","editorialPriorAsOf":"2026-10-28","role":"fallback","reason":"Ranked fallback route for Open Banking, Account Linking, Real-Time Balance Checks & ACH Verification."},{"providerId":"stytch","name":"Stytch","overall":8.37,"scoreBand":{"low":7.8,"mid":8.4,"high":9,"halfWidth":0.6,"basis":"editorial_prior","display":"7.8–9.0 (editorial prior)"},"scoreLayers":{"editorialPrior":8.37,"measuredBenchmark":null,"verifiedOutcomeScore":null,"verifiedOutcomeCount":0,"accountRuntimeState":"unprobed"},"pricingLastVerifiedAt":"2026-10-28","editorialPriorAsOf":"2026-10-28","role":"fallback","reason":"Ranked fallback route for Open Banking, Account Linking, Real-Time Balance Checks & ACH Verification."}],"disqualified":[],"expectedRegret":{"scoreDeltaVsUnconstrainedPick":0,"unconstrainedPickId":"stripe","activePrimaryId":"stripe","summary":"0.00 score regret: unconstrained editorial pick satisfies all caller constraints."},"evidenceAgeDays":{"editorialScoreAgeDays":1,"pricingVerifiedAgeDays":1,"editorialPriorAsOf":"2026-10-28","pricingLastVerifiedAt":"2026-10-28"},"confidenceBand":{"low":8.3,"mid":8.8,"high":9.3,"halfWidth":0.5,"basis":"editorial_prior","display":"8.3–9.3 (editorial prior)"},"constraintsApplied":false,"matchedConstraints":[],"unsupportedConstraints":[],"malformedConstraints":[],"conflictingConstraints":[],"constraintDigest":"sha256:eb9d397ca67bcf6889704910eeb3a58796ea2ef5e54fb6289c71f6114f2c67a7","constraintBundle":{"schemaVersion":"agentdepot.constraints.v1","task":null,"jtbd":"financial-account-linking","constraintsRaw":"","constraintTokens":[],"constraintDigest":"sha256:eb9d397ca67bcf6889704910eeb3a58796ea2ef5e54fb6289c71f6114f2c67a7","matchedConstraints":[],"unsupportedConstraints":[],"malformedConstraints":[],"conflictingConstraints":[],"typedConstraints":[],"quotaExhausted":[],"degraded":[],"healthy":[],"budgetUsd":null,"maxLatencyMs":null,"region":null,"privacy":null,"exit":[],"existing":[],"existingSubscriptions":[],"requiredCapabilities":[],"switchingCost":null}},"freshness_state":"fresh","cite":"Depot Pick for financial-account-linking: stripe (asOf 2026-10-28). See GET /api/jtbds/financial-account-linking + GET /api/methodology.","asOf":"2026-10-28","honesty":["Recommended provider is the current Depot Pick from GET /api/decide. This quote does not change scores.","SKU rows come from data/pricing-rows.json via GET /api/pricing. Input and output stay on separate rows.","cheapestInput compares one native unit matching this job; non-token jobs never borrow chat $/1M rates.","pickIsPriceWinner is null when fewer than 2 candidates share a matching sourced unit price."],"links":{"decide":"/api/decide?jtbd=financial-account-linking","quote":"/api/quote?jtbd=financial-account-linking","pricing":"/api/pricing?provider=stripe","leaderboardPrice":"/api/leaderboards?jtbd=financial-account-linking&sort=price","humanPage":"/jtbds/financial-account-linking#quote","methodology":"/api/methodology"},"sourceConflicts":[],"volumeEstimateHint":"Add &volume=<number> for a plan-level monthly cost (GET /api/estimate?jtbd=financial-account-linking&workload=...)"}