Method
Also a provider — view Method’s profile →“Can a soft-pull-based liability graph plus payoff rails become the default connectivity layer for consumer debt, the way Plaid did for deposit accounts?”
Founded2021
FoundersJose Bethancourt, Marco del Carmen, Mit Shah
Latest roundSeries B, 2025
IndustryInfrastructure / Open banking
The story
Founded 2021 by GradJoy alumni who hit the wall of screen-scraping and manual paperwork when trying to build debt-repayment UX. Method's wedge is a soft-credit-pull-based liability discovery approach (no bank login credentials) plus rails to pay creditors directly, positioning it as the 'Plaid for liabilities & payoffs'. Expanded from lender/PFM use cases into commerce (card-on-file for checkout & loyalty) in 2026.
Product timeline
2021
Method founded by ex-GradJoy team to fix consumer liability connectivity· pivot
2024
Launched Method Data — instant debt portfolio retrieval via phone number· banking
2025
Raised $42M Series B led by Emergence Capital· banking
2026
Launched Method for Commerce — card connectivity for checkout & loyalty· banking
The stack
3 layers disclosed in Method’s embedded-finance stack
Payments / PSP
Method Pay (self-operated)checkout
Banking / BaaS
in the full report
Card network
in the full report
Accounting gap: none
5 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.