![]() OAuth allows YNAB to access your account and transaction data without you having to provide your online banking credentials to an intermediary-in this case MX, Plaid, or TrueLayer. Some financial institutions enable Direct Import connections through a method called OAuth. During this process, YNAB does not view or store your bank credentials, and instead relies upon our partners and their industry-leading security precautions to ensure your information is safe. You can learn more about MX, Plaid, and TrueLayer’s individual security policies and practices on their websites. You authorize the aggregator to carry out this process on YNAB’s behalf. In the context of YNAB, data aggregation is the process of collecting your accounts and transaction data from your financial institution and transmitting it to YNAB. In order to provide Direct Import services, we partner with financial data aggregation specialists MX, Plaid, and TrueLayer. We use a PCI certified payment provider ( Recurly) to process our credit cards, and have engineered our payment forms in such a way that your payment details are sent directly to Recurly’s systems rather than ours, further increasing security. PCI is an arduous security standard that companies must adhere to when processing credit cards.
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