Online and in-store lenders
Get real insight into client finances, identity and ability to repay
Underwriting, improved.

Start by validating client finances, including payroll, other loans, NSF transactions and housing costs. These along with other our other financial data can provide a real insight into finances before a costly credit check. Then verify client's are who they say they are by validating name, address, phone numbers, email addresses and other profile information. Doing so can drastically reduce your fraud rates online, where clients often input information and use documentation that isn't theirs.

Verify Bank Financials
Verify payroll, income, existing debt, NSF transactions and discretionary spending by analyzing financial account data.

Verify Bank Identity
Verify a client's legal name, address, email and telephone number using the profile information found on file with the bank.

Online Video Verficiation
Validate clients visually using our online video verification process. Clients need to have their face clearly visible while reading a secret code.

Online Video Verficiation
Validate clients visually using our online video verification process. Clients need to have their face clearly visible while reading a secret code.
Provider Comparison
  Flinks Plaid Helium
Minimum Pricing $500 CAD or more $500 USD or more Free to start
API Access Days to weeks Over 48h Instant access
Integration Support Extra Paid Service No support Free included support
Client Support Never Not Offered Yes, clients can reach out to us directly
Cost Expensive Very Expensive Less than the other guys
Supported Institutions Just 10 Only 20 Over 99% of clients in Canada
API Access for all features are included in your account
Underwrite with real bank data

Get the details of account balances, transactions, payroll, existing debt, NSF transactions and profile information in real-time to help you make better underwriting decisions

When Underwriting & Servicing
  Verify Account History
  Verify Profile Information
  Validate Identity with Video

  Get up to date information
  Send documents to the correct address
  Estimate likelihood of default
Integrate and get started quickly
We get it. It's hard to integrate things.

Choose from 3 different methods for integrating, with drop in JS or Simple Integration to complete backend for those looking for a more customized solution. All options are included with your API access so you can change your mind after.
Simple Quickstart
Zero configuration drop in iFrame, Emails or Portal to get your started

  Quick to implement
  Email links to clients
  Everything is integrated
  No libraries or server load
Quickstart JS API
Include a code snippet to get up and running in minutes

  Drop in code snippet
  Specify where to show
  Asyncrounous server calls
  Flexible design CSS
Access using HTTPS directly by your backend or in-house software

  Design your own UI
  Use with in-house backend services
  Programming samples included
  Access raw data
Signup for the starter package and get $1,000 in free calls.

Limited time offer for new clients only. Value based on 1k x $1.00 calls, to the Bank Authorization API.
Instant Access
Get your API Access Key and get complete online documentation to have your application up and running in minutes.
Easy Integration
Drop in frameworks make it quick and easy to get started. Choose from JS, iFrame or Direct API integrations.
No Pre-payment
Some providers require you to pre-pay up front hundreds or thousands of dollars. With us you only pay for what you use at the end of the month.
Gain access to the suite of verification API's in minutes

How to get started

It's easy to start integrating with us today. You can request a new API Access Key and get your product or service using our API's in minutes.

View the complete reference in the API Documentation

API Docs Quickstart

Get in touch with an integration specialist
We're here with you 7 days a week from 9am to 11pm EST
Give us a call at 1-855 6-Helium (643-5486) or email us at

  Estimate integration time
  Help you choose the right products
  Information on pricing

Start your loan application today

Get the money you need quickly without hassle