Bank Connections

A bank connection is an authorized link between Finta and one of your financial accounts. Once connected, Finta automatically syncs your transactions, balances, and other financial data to your destinations. You can connect as many accounts as your plan allows and route them to different destinations based on how you want to organize your data.

Providers

Finta supports four providers. The right one depends on where your accounts are and what type of data you need.

Provider	Region	What it connects	How it syncs
Plaid	US, Canada	Thousands of banks, credit cards, investment and loan accounts	Webhook-triggered when your bank reports new activity
GoCardless	Europe, UK	Banks via open banking across the UK and Europe	Adaptive schedule based on each bank’s available request window
Mercury	US	Mercury business bank accounts	Webhook-triggered with an active webhook; hourly otherwise
Stripe	Global	Charges, customers, invoices, subscriptions, Issuing transactions	Webhook-triggered for supported events

When to use which provider

Plaid is the default for US and Canadian bank accounts. It covers the widest range of institutions including checking, savings, credit cards, investments, and loans.
GoCardless is for European and UK bank accounts. It uses open banking, which means your bank authorizes Finta directly (no screen-scraping).
Mercury is for Mercury customers who want a direct integration with webhook-triggered updates.
Stripe is for syncing your Stripe business data. It pulls in charges, customers, products, prices, subscriptions, and invoices.

How automatic syncs work

After connecting an account, Finta keeps your data in sync automatically. See How Finta syncs your data for the full provider schedule, first-sync behavior, and manual-sync options. Webhook-driven (Plaid, Mercury, Stripe): Plaid sends update notifications that trigger a sync. Direct Mercury connections use webhooks when Finta has an active Mercury webhook, and Stripe sends webhooks for supported events. Mercury connections without an active webhook sync hourly. Timing still depends on when the provider reports the activity. Scheduled (GoCardless): Finta schedules each connection around the request window reported by the bank. The interval varies, and Finta never schedules the next request more than 24 hours later.

Start a bank connection

You can open the same connection flow in three places:

During onboarding, select Choose your bank.
On the Accounts page, select Add Bank Connection.
While choosing accounts for a new destination, select the add-account button.

Finta checks your subscription and connection limit before starting a new connection. If those checks cannot load, select Try again. If your plan is inactive or has reached its connection limit, the dialog links to the relevant billing or account-management page. Existing connections are not changed. Choose a country, then search by institution name or website. Mercury and Stripe appear as direct integrations when they are available. Search results name the provider used for each institution. If a search has no match, check the spelling, clear the search, or request coverage. A result marked Not supported cannot be connected today. You can request that institution or search for another one. If Finta does not cover banks in the selected country, change the country or request coverage. For Plaid institutions, Finta checks Plaid’s aggregate institution health when you select a result. If a data type you choose has delayed updates, the dialog explains that its first data may take longer to arrive. You can still connect, leave the dialog, and keep setting up Finta. After a failed bank sign-in, Finta may also show an aggregate login warning. That warning describes recent Plaid traffic for the institution, not the cause of your individual sign-in failure. You can try anyway, choose another institution, or leave and return later. If Plaid has no current status or the status check fails, Finta shows the normal connection and recovery path without claiming an outage. Health checks are cached briefly, so they are guidance, not an instant or guaranteed availability report. Finta does not send institution availability notifications or recovery emails. Your bank or provider owns its sign-in, verification, and consent screens. Finta does not receive or store your bank password. Closing Finta’s dialog does not remove an existing connection. After a connection is saved, its first data import can continue in the background. You can keep using Finta and finish destination setup without waiting for that import.

Troubleshoot a connection attempt

Recovery screens keep your country, institution, requested data, and original entry when it is safe to do so. Choose Get help to see the next step for the current stage. The help form fills in the known context and asks for one optional note.

What happened	What to do
You canceled the provider’s sign-in	Continue from the saved setup, change the source, or leave. Cancellation is not an error.
The institution rejected the sign-in	Check the same sign-in on the institution’s site, then start a fresh authorization if it works there. Finta never receives your password.
A verification code failed	Request a new code and use the newest one. If the provider says the security method is unsupported, select Contact support or Choose another institution instead of repeating the attempt.
The institution is reporting login problems	Try anyway, choose another institution, or return later. This warning describes aggregate institution traffic, not your account.
The provider timed out	Try once more. If it times out again, return later or ask for help.
The provider rate-limited the request	Keep your choices and try again later. Finta does not state a wait time unless the provider supplies one.
The authorization expired	Start a fresh provider session. Finta keeps its setup choices and never reuses the expired return.
The return link is invalid, used, or belongs to another account	Start from Accounts. Finta shows no details from the other attempt.
The provider approved access but Finta could not confirm the save	Select View connected accounts before authorizing again. If the connection is absent, get help.

When you send a help request, Finta strips recognized provider tokens, callback links, account identifiers, and structured provider payloads from the note. Never include a bank password or one-time code. Finta shows Sent to support only after the support service accepts the request. The confirmation says Finta will email after reviewing it and does not promise a response time. If sending fails, the note stays in the form so you can retry or email help@finta.io.

After a connection is saved

A saved connection, readable accounts, and a completed first sync are separate states. Finta shows the accounts as soon as the provider makes them readable. The status chip beside the connection then reports one of these data states:

First sync pending: No requested data is ready yet.
Partial data: Some data is usable while the rest is still arriving.
First sync complete: The provider evidence for the requested data is complete.
Import delayed: Data is still incomplete after Finta’s server classifies the import as delayed.
Sync failed: The connection stays saved, and you can retry the data sync or get help.

You can leave the connection flow and keep using Finta in every state. Once an account appears, you can select it while creating a destination even if its first data sync is still pending. The status never advances because a browser timer elapsed, and Finta does not give an estimated arrival time. If the saved connection has no accounts, check the Accounts page first and get help if it remains empty. Do not connect the same institution again unless support asks you to, since another attempt may create a duplicate.

Finish setup or organize an account

The saved screen always gives you a direct next step. During onboarding, select Continue setup. From Accounts, select Done. If you connected the account while creating a destination, select Back to destination to return to that destination’s account step. These actions stay available while the first sync is pending, partial, delayed, or failed. Select a readable account on the saved screen to change its display name. From the Accounts entry, you can also choose which of your existing destinations receive that account. A rename only changes how the account appears in Finta and your destinations. It does not rename anything at your bank. If an account edit fails, the connection remains saved and the form keeps your unsaved name and destination choices. Retry the edit or cancel it to keep the previous settings. The connection flow does not create new destinations; set one up separately, then return to the account editor. Select Connect another account to return to source selection. Finta keeps your country, clears the prior search, and keeps the connection you just saved available to review. Finishing the second connection still returns to the place where you originally opened the flow.

Getting Started

Account & Settings