{"id":92800,"date":"2025-11-28T01:24:00","date_gmt":"2025-11-28T00:24:00","guid":{"rendered":"https:\/\/www.emailvendorselection.com\/?p=92800"},"modified":"2025-12-08T15:53:59","modified_gmt":"2025-12-08T14:53:59","slug":"email-api-for-fintech","status":"publish","type":"post","link":"https:\/\/www.emailvendorselection.com\/email-api-for-fintech\/","title":{"rendered":"7 Best Email API Services for Fintech in 2026 (Reviewed)"},"content":{"rendered":"\n<p>Fintech moves fast, and so should your emails. Customers expect secure, lightning-fast email updates about their money. An email API designed for fintech makes that happen with dependable deliverability, strong security, and a setup that\u2019s built for high-volume reliability.<\/p>\n\n\n\n<p>Don\u2019t know where to start? You\u2019ve come to the right place!<\/p>\n\n\n\n<p>We\u2019ll cover why fintech companies need a specialized email API, how to choose the best email API provider for fintech and detailed reviews of the best fintech email APIs (Application Programming Interfaces).<\/p>\n\n\n\n<p><strong>Disclaimer<\/strong>: I work at Mailtrap, and I personally researched each service from this list and sent emails simulating real-world use cases, so you can expect a non-biased review.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Best_Fintech_Email_APIs_Overview\"><\/span>7 Best Fintech Email APIs: Overview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here\u2019s a brief overview of the 7 best email API providers:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a> offers the best email API for fintech companies with high sending volumes and a focus on high deliverability rates and in-depth analytics.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a> is a solid choice for fintech companies that need an email API without any over-the-top features.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a> offers an email API for fintech companies that need granular control over their infrastructure.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a> is best for fintech companies looking to send SMS messages on top of transactional emails.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a> is a solid fintech email API provider for enterprise users with dedicated developer teams.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a> is most suitable for fintech companies that are already in the AWS ecosystem.<\/li>\n\n\n\n<li><a href=\"#resend\" class=\"ek-link\">Resend<\/a> is a solid email API for fintech companies with strong developer teams who can use everything the platform has to offer.<\/li>\n<\/ul>\n\n\n\n<p>Also, here\u2019s a sneak peek for you and a quick breakdown of each email API provider:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Free plan<\/strong><\/td><td><strong>Pricing&nbsp;<\/strong><\/td><td><strong>SDKs<\/strong><\/td><td><strong>Compliance<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a><\/td><td>1,000 emails per month<\/td><td>From $15\/month<\/td><td>Node.js, PHP, Ruby, Python, Elixir, Java<\/td><td>GDPR, ISO 27001 (no SOC 2 yet), no HIPAA<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a><\/td><td>N\/A<\/td><td>From $25\/month<\/td><td>N\/A<\/td><td>GDPR, CASL, CCPA<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a><\/td><td>100 emails per day<\/td><td>From $19.95\/month<\/td><td>C#, Go, Java, Node.js, PHP, Python, Ruby<\/td><td>GDPR, SOC 2, ISO 27001, no HIPAA<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a><\/td><td>500 emails per day<\/td><td>From $7\/month<\/td><td>PHP. Node.js, Golang, Python, Ruby, Java, Laravel&nbsp;<\/td><td>GDPR, ISO 27001 (no SOC 2, no HIPAA)<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a><\/td><td>100 emails per day<\/td><td>From $15\/month<\/td><td>Python, Go, Node.js, PHP, Java, Ruby<\/td><td>GDPR, SOC 2, ISO 27001, HIPAA (with BAA)<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a><\/td><td>3,000 emails per month (during the first year)<\/td><td>$0.10 per 1,000 emails<\/td><td>Java, .NET, PHP, Python, Ruby, Go<\/td><td>GDPR, SOC 2, ISO 27001, HIPAA (via AWS BAA)<\/td><\/tr><tr><td>Resend<\/td><td>3,000 per month<\/td><td>From $20\/month<\/td><td>Node.js, PHP, Laravel, Python, Ruby, Go, Java, Rust, .NET<\/td><td>GDPR, SOC 2, ISO 27001 (no HIPAA)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Prices and features are relevant at the time of writing this article.<\/em><\/p>\n\n\n\n<p>Check out our review of <a href=\"https:\/\/www.emailvendorselection.com\/best-email-api\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">the best email API services<\/a> and <a href=\"https:\/\/www.emailvendorselection.com\/free-smtp-servers\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">free SMTP servers<\/a> to find more platforms.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_do_fintech_companies_need_a_specialized_email_API_service\"><\/span>Why do fintech companies need a specialized email API service?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An email API is a type of web API that allows you to send messages directly from your app\/project by integrating it with an email service provider (ESP), usually over <a href=\"https:\/\/www.emailvendorselection.com\/what-is-smtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">Simple Mail Transfer Protocol (SMTP)<\/a> or HTTPS.<\/p>\n\n\n\n<p>Since fintech businesses deal with financial and personal data, they need a specialized service for sending time-sensitive transactional emails.<\/p>\n\n\n\n<p>When I say transactional emails, I mean important emails like OTPs (one-time passwords), fraud alerts, new device logins, suspicious activity notifications, etc. These are all emails that must arrive in the recipients\u2019 inboxes on time. Any delivery issues can lose user trust and impact your platform\u2019s security.<\/p>\n\n\n\n<p>With that in mind, your ideal fintech API needs to be:<\/p>\n\n\n\n<ul>\n<li><strong>Reliable,<\/strong> so your important emails still get delivered during volume spikes.<\/li>\n\n\n\n<li><strong>Scalable<\/strong> to help you reach inboxes as your customer base expands.<\/li>\n\n\n\n<li><strong>Secure<\/strong> so the sensitive data you send via email stays safe during transmission.<\/li>\n\n\n\n<li><strong>Compliant<\/strong> with regulatory requirements like SOC 2 and <a href=\"https:\/\/gdpr-info.eu\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">GDPR<\/a> or standards like <a href=\"https:\/\/www.pcisecuritystandards.org\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">PCI DSS<\/a>, so your business doesn\u2019t face fines.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-choose-an-email-api-provider-for-fintech\"><span class=\"ez-toc-section\" id=\"How_to_choose_an_email_API_provider_for_fintech\"><\/span>How to choose an email API provider for fintech?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>I\u2019ll explain the criteria I used to evaluate <a href=\"https:\/\/www.emailvendorselection.com\/transactional-email-services\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">transactional email services<\/a> for fintech. You can also use it to do your own research and have an easier time choosing an API.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quality of email infrastructure provider: deliverability, reliability, scalability<\/h3>\n\n\n\n<p>The first thing I consider when reviewing a provider is its email infrastructure, which consists of the holy trinity: deliverability, reliability, and scalability.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Deliverability<\/h4>\n\n\n\n<p><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.emailvendorselection.com\/email-deliverability-guide\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"ek-link\">Email deliverability<\/a> is the API provider\u2019s ability to help you reach main inboxes. To help you achieve a high deliverability rate, providers use dedicated IPs, MTAs, separate streams, etc. <br><br>You want to make sure your payment confirmations, deposit alerts, invoices, 2FAs, and other emails get delivered without going to the spam folder or missing the recipient\u2019s inbox completely.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Reliability<\/h4>\n\n\n\n<p>I can&#8217;t know for sure if a provider\u2019s API is 100% reliable, without sending a large number of emails over a long period of time. However, I can get a better picture of it by browsing status pages like <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/status.sendgrid.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">this one<\/a> and user feedback on social media about the provider&#8217;s customer support team.<\/p>\n\n\n\n<p>A reliable fintech email API provider needs to offer:<\/p>\n\n\n\n<ul>\n<li>high delivery speeds, <\/li>\n\n\n\n<li>high email uptime, <\/li>\n\n\n\n<li>dedicated streams for transactional messages, and <\/li>\n\n\n\n<li>flexible retry logic.<\/li>\n<\/ul>\n\n\n\n<p>Reliability is especially important for companies that implement open banking frameworks, where sharing customer financial data between institutions requires a reliable infrastructure.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Scalability<\/h4>\n\n\n\n<p>When you increase your email sending load during market shifts, you need a scalable email infrastructure behind you so you don\u2019t experience any hiccups.&nbsp;<\/p>\n\n\n\n<p>That is, if you don\u2019t want to face any bottlenecks, your email API provider should offer a cloud-based infrastructure with multiple MTAs and dedicated IPs or streams, and support a high sending throughput. Additionally, I checked whether:<\/p>\n\n\n\n<ul>\n<li>Their team is available around the clock or not.<\/li>\n\n\n\n<li>They provide email deliverability consultations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Security&nbsp;<\/h3>\n\n\n\n<p>Considering that <a href=\"https:\/\/sendlayer.com\/blog\/dmarc-coverage-trends\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">41% of the banking institutions<\/a> lack DMARC protection, fintech companies must use email infrastructure that supports proper authentication and monitoring.<\/p>\n\n\n\n<p>That\u2019s why I checked each email API provider\u2019s security pages <a href=\"https:\/\/www.mailersend.com\/legal\/security-statement\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">like this one<\/a> to see how they handle encryption, authentication, access, and logging. Here\u2019s a summary:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Encryption &amp; transmission security<\/strong><\/td><td><strong>Authentication &amp; identity control<\/strong><\/td><td><strong>Account access &amp; user controls<\/strong><\/td><td><strong>Security event logging &amp; notifications<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a><\/td><td>Strong TLS enforcement, MTA-STS support<\/td><td>SPF, DKIM, DMARC alignment<\/td><td>MFA, RBAC, detailed audit logs<\/td><td>Detailed logs, customizable alerts<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a><\/td><td>Enforced TLS, opportunistic TLS fallback<\/td><td>SPF, DKIM, DMARC<\/td><td>Info not publicly disclosed<\/td><td>Email event webhooks<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a><\/td><td>Enforced TLS, MTA-STS<\/td><td>SPF, DKIM, DMARC<\/td><td>MFA, RBAC, SSO<\/td><td>Activity feed, email event webhooks<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a><\/td><td>Enforced TLS, MTA-STS support<\/td><td>SPF, DKIM, DMARC (automatic setup), OAuth login<\/td><td>MFA, team roles &amp; permissions (RBAC)<\/td><td>Email activity logs, webhook events for delivery, open, click, etc.<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a><\/td><td>Mandatory TLS, MTA-STS<\/td><td>SPF, DKIM, DMARC<\/td><td>MFA, granular user permissions<\/td><td>Detailed event logs, webhooks for notifications<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a><\/td><td>Opportunistic\/forced TLS, MTA-STS (manual setup)<\/td><td>SPF, DKIM, custom MAIL FROM, DMARC<\/td><td>IAM, MFA, CloudTrail integration<\/td><td>Extensive logs via CloudWatch\/CloudTrail<\/td><\/tr><tr><td>Resend<\/td><td>Enforced TLS (via AWS infrastructure), HTTPS API<\/td><td>SPF, DKIM, DMARC (automated setup), domain verification<\/td><td>MFA (via Supabase), team-based access control<\/td><td>Logs via Vercel\/AWS, webhook support for delivery status<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>All providers on this list support at least TLS 1.2 or TLS 1.3, DMARC alignment, and MFA, and have some form of event logs. A big bonus is that they all perform regular penetration tests and security reviews, although SMTP.com didn\u2019t have any public info.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Compliance<\/h3>\n\n\n\n<p>Non-compliance with GDPR can get you fined for <a href=\"https:\/\/gdpr-info.eu\/issues\/fines-penalties\/#:~:text=For%20especially%20severe%20violations%2C%20listed%20in%20Art.%2083(5)%20GDPR%2C%20the%20fine%20framework%20can%20be%20up%20to%2020%20million%20euros%2C%20or%20in%20the%20case%20of%20an%20undertaking%2C%20up%20to%204%20%25%20of%20their%20total%20global%20turnover%20of%20the%20preceding%20fiscal%20year%2C%20whichever%20is%20higher.\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">up to 20 million euros<\/a>. With this in mind, I carefully went over compliance pages like <a href=\"https:\/\/sendgrid.com\/en-us\/policies\/security\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">this one<\/a>, so you know what to expect from each email API provider\u2019s compliance.&nbsp;<\/p>\n\n\n\n<p>I also checked whether the providers have transparent data retention policies and how detailed their logs are, in case you might need them for auditing.<\/p>\n\n\n\n<p>For your convenience, I put them all in a table:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>GDPR<\/strong><\/td><td><strong>SOC 2<\/strong><\/td><td><strong>ISO 27001<\/strong><\/td><td><strong>HIPAA<\/strong><\/td><td><strong>Logging<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a><\/td><td>Adherent \/ DPA available<\/td><td>\ud83d\udd53 In progress<br><\/td><td>\u2705<\/td><td>\u274c<\/td><td>Detailed logs, customizable alerts<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a><\/td><td>Adherent \/ DPA available<\/td><td>Not specified<\/td><td>Not specified<\/td><td>BAA available<\/td><td>Not specified<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a><\/td><td>Adherent \/ DPA available<\/td><td>\u2705<\/td><td>\u2705<\/td><td>BAA available<\/td><td>Extensive audit logs<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a><\/td><td>Adherent \/ DPA available<\/td><td>\u2705<\/td><td>\u2705<\/td><td>BAA available<\/td><td>Activity feed, event webhooks<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a><\/td><td>Adherent \/ DPA available<\/td><td>\u2705<\/td><td>\u2705<\/td><td>BAA available<\/td><td>Detailed logs, webhooks for notifications<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a><\/td><td>Adherent \/ DPA available<\/td><td>\u2705 via AWS<\/td><td>\u2705<\/td><td>BAA available (via AWS)<\/td><td>Extensive logs via CloudWatch \/ CloudTrail<\/td><\/tr><tr><td>Resend<\/td><td>Adherent \/ DPA available<\/td><td>\u2705<\/td><td>\u2705<\/td><td>\u274c<\/td><td>Logs via integrations (e.g., AWS) \u2013 limited info<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Pricing comparison<\/h3>\n\n\n\n<p>I checked whether some of the most important features, like dedicated IPs or customer support, are locked away for high-tier plans or as add-ons. Or, even worse, if high deliverability is dedicated to expensive plans.<\/p>\n\n\n\n<p>I\u2019ve also made sure to compare the pricing limits between the email API service providers on this list, so here\u2019s a summary for your convenience:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>API provider<\/strong><\/td><td><strong>10,000 emails<\/strong><\/td><td><strong>50,000 emails<\/strong><\/td><td><strong>100,000 emails<\/strong><\/td><td><strong>250,000 emails<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a><\/td><td>$15<\/td><td>$20<\/td><td>$30<\/td><td>$200<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a><\/td><td>~$25<\/td><td>~$50<\/td><td>$80<\/td><td>$~200+<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a><\/td><td>$19.95<\/td><td>$35<\/td><td>$60<\/td><td>$200<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a><\/td><td>$13<\/td><td>$35<\/td><td>$68<\/td><td>$162.50<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a><\/td><td>$15<\/td><td>$35<\/td><td>$75<\/td><td>$215<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a><\/td><td>$1.00<\/td><td>$5.00<\/td><td>$10.00<\/td><td>$25.00<\/td><\/tr><tr><td>Resend<\/td><td>$20<\/td><td>~$35<\/td><td>~$60<\/td><td>~$150<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Code libraries<\/h3>\n\n\n\n<p>Code libraries are designed to help you integrate an email API with your app\/project in as little time as possible while having to do minimal coding.<br><br>So, for this article, I researched which providers offer code libraries or snippets for integration. And since we\u2019re talking about fintech, I\u2019ll be sure to look out for Java and C#, the major programming languages in this space.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quality of documentation<\/h3>\n\n\n\n<p>Trying to integrate an email API without comprehensive documentation is like shooting in the dark. That\u2019s why I made sure to check:<\/p>\n\n\n\n<ul>\n<li>How well is each provider\u2019s API documentation designed<\/li>\n\n\n\n<li>How many use cases does each API cover (e.g., transactional emails, attachments, templates, webhooks, etc.)<\/li>\n\n\n\n<li>Each API\u2019s GitHub repository to see if it\u2019s regularly updated and maintained<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Hosted countries<\/h3>\n\n\n\n<p>A common issue for <a href=\"https:\/\/www.emailvendorselection.com\/email-marketing-financial-services-banks\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">financial services and banks in email marketing<\/a> is the location of servers. Why? Well, if you need to deliver your emails super fast with low latency, you need your email servers and data to be near your recipients. So, if your recipients are in Europe, you need to send them from, you guessed it, Europe.<\/p>\n\n\n\n<p>That\u2019s why I checked where each of the providers\u2019 infrastructure is hosted:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Email API provider<\/strong><\/td><td><strong>Hosted country<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a><\/td><td>Based in the EU, but the servers are in the US<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a><\/td><td>US-based, info on servers not available<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a><\/td><td>EU region selectable, US by default<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a><\/td><td>EU-based with EU data residency and GDPR compliance<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a><\/td><td>EU region sending &amp; storage<\/td><\/tr><tr><td><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a><\/td><td>Region-specific data storage (EU\/US\/Asia)<\/td><\/tr><tr><td>Resend<\/td><td>Hosted on AWS (regions configurable depending on AWS setup)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Customer support<\/h3>\n\n\n\n<p>Blockers usually occur when you least expect them, which is why every email API provider must have a dedicated and reliable customer support team.<\/p>\n\n\n\n<p>This is especially true since issues with sending important transactional emails in fintech. For example, facing a blocker when sending OTPs or financial transactions means your dev team is going to lose a big chunk of time, and your customers will lose trust in your service\/product.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">User reviews<\/h3>\n\n\n\n<p>When&nbsp;researching providers for reviews, I always dig through user reviews, and I recommend you do the same. This lets you see if any of the fintech transactional email services have any recurring issues reported by the users, whether they are responsive to feedback, and how transparent they are.<\/p>\n\n\n\n<p>For this article, I\u2019ve focused on finding reviews and case studies from companies in financial services, such as neobanks, challenger banks, buy now pay later services, investment platforms, trading applications, and P2P payment apps. In short, I looked for feedback from financial institutions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Mailtrap\"><\/span>1. Mailtrap<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 4.8 \ud83c\udf1f <strong>Capterra<\/strong>: 4.8 \ud83c\udf1f<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: Node.js, PHP, Ruby, Python, Elixir, and Java.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"334\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Mailtrap-email-delivery-platform-for-fintech.png\" alt=\"Mailtrap email delivery platform for fintech\" class=\"wp-image-92823\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a> is an email delivery platform that offers a flexible SMTP and API service for businesses with high sending volumes. It\u2019s also worth noting that on top of its SMTP\/API, Mailtrap also offers email marketing features.&nbsp;<\/p>\n\n\n\n<p>It\u2019s suitable for fintech companies since it has high deliverability rates, regardless of the plan you choose. To help you achieve high rates, Mailtrap provides a truly separate stream, dedicated IP addresses, domain or IP warmup, throttling, and other useful features.<\/p>\n\n\n\n<p>Here\u2019s how it performed on the free plan without a warmed-up domain:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Platform<\/td><td>Email placement results<\/td><td>Spam filter rating<\/td><td>Inbox email delivery with top providers<\/td><\/tr><tr><td>Mailtrap<\/td><td><strong>Inbox:<\/strong> 78.8%<br><strong>Tabs:<\/strong> 4.8%<br><strong>Spam:<\/strong> 14.4%<br><strong>Missing:<\/strong> 2.0%<\/td><td><strong>Google Spam Filter: <\/strong>Not spam; Not phishy<br><strong>Barracuda:<\/strong> Score 0<br><strong>Spam Assassin:<\/strong> Score: -3.8<\/td><td><strong>Gmail:<\/strong> 67.50%<br><strong>Outlook:<\/strong> 77.78%<br><strong>Hotmail:<\/strong> 100%<br><strong>Yahoo:<\/strong> 55.56%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\"><em>Source<\/em><\/a><\/p>\n\n\n\n<p>Mailtrap has dashboards where you can track the most important metrics like delivered, bounces, opens, etc. Additionally, the platform keeps your logs for 30 days, which can be useful for compliance audits.<\/p>\n\n\n\n<p>You can also fine-tune your emails before you send them with the Mailtrap Sandbox, a testing tool that comes with HTML preview, spam checker, and tech info for each email.<\/p>\n\n\n\n<p>To keep you and your recipients\u2019 financial data safe, Mailtrap rotates your DKIM keys monthly, enforces TLS encryption, and keeps detailed activity logs. It\u2019s also compliant with GDPR, has ISO\/IEC 27001:2022 certification, and SOC 2 is in progress.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Mailtrap Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>High deliverability rates<\/li>\n\n\n\n<li>In-depth analytics<\/li>\n\n\n\n<li>Sandbox environment for testing<\/li>\n\n\n\n<li>Email marketing features<\/li>\n\n\n\n<li>Deliverability expert consultation<\/li>\n\n\n\n<li>GDPR compliant<\/li>\n\n\n\n<li>ISO\/IEC 27001:2022 certified<\/li>\n\n\n\n<li>Extensive API documentation<\/li>\n\n\n\n<li>Equal customer support availability for all plans<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Mailtrap Cons<\/strong><\/p>\n\n\n\n<ul>\n<li>Automation workflow builder is still in beta<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap-pricing\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Pricing starts at $15 per month<\/a> for 10,000 emails via the email API. The Sandbox starts at $14 per month for 500 email tests. There is also a free plan that lets you send 1,000 emails a month.<\/p>\n\n\n\n<p>A user testimonial that stood out to me said both Mailtrap\u2019s SMTP and API were flexible and easy to integrate, and that they\u2019re seeing high inboxing rates. Moreover, Mailtrap\u2019s support team helped them with DKIM alignment.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"243\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/user-testimonial-for-Mailtraps-SMTP-and-API-service.png\" alt=\"user testimonial for Mailtrap\u2019s SMTP and API service\" class=\"wp-image-92835\"\/><\/figure>\n\n\n\n<p><em>Source: G2<\/em><\/p>\n\n\n\n<p>Another one said how they use Mailtrap to deliver release alerts, billing notices, and other account-related messages. Although they like the fact that Mailtrap saves them time, they would like the analytics to be more in-depth for marketing emails.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"300\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/user-testimonial-on-how-they-use-Mailtrap.png\" alt=\"user testimonial on how they use Mailtrap\" class=\"wp-image-92836\"\/><\/figure>\n\n\n\n<p><em>Source: G2<\/em><\/p>\n\n\n\n<p><a aria-label=\" (opens in a new tab)\" class=\"ek-link buttonCTA\" href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap-trial\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Try Mailtrap for free<\/a> or <a aria-label=\"read our full review (opens in a new tab)\" href=\"https:\/\/www.emailvendorselection.com\/mailtrap-review\/\" target=\"_blank\" rel=\"noreferrer noopener\" class=\"ek-link\">read our full review<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_SMTPcom\"><\/span>2. SMTP.com&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 3.3 \ud83c\udf1f <strong>Capterra<\/strong>: 3.5 \ud83c\udf1f<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: N\/A<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"400\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/SMTP.com-relay-service-and-email-API-for-sending-transactional-emails.png\" alt=\"SMTP.com relay service and email API for sending transactional emails\" class=\"wp-image-92833\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a> is one of the longest-standing providers in the industry. As its name suggests, it provides an SMTP relay but also an email API for sending transactional emails.<\/p>\n\n\n\n<p>It\u2019s suitable for fintech companies looking for a service that focuses on deliverability and monitoring.<\/p>\n\n\n\n<p>SMTP.com promises a delivery rate of 98% and server uptime of 99%, which you can check on the provider\u2019s <a href=\"https:\/\/status.smtp.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">status page<\/a>. To reach these rates, the platform provides users with dedicated IP addresses and hybrid pools, bulk email list validation, and basic analytics via API.<\/p>\n\n\n\n<p>SMTP.com states that its IPs, infrastructure, data encryption, and authentication status are monitored around the clock.&nbsp;<\/p>\n\n\n\n<p>Another benefit of SMTP.com for fintech companies is that the platform keeps your logs for up to 90 days, which is probably the longest period of email logs amongst its competitors.<\/p>\n\n\n\n<p>Additionally, SMTP.com places a strong focus on data protection and privacy, being compliant with GDPR, <a href=\"https:\/\/ised-isde.canada.ca\/site\/canada-anti-spam-legislation\/en\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">CASL<\/a>, and <a href=\"https:\/\/oag.ca.gov\/privacy\/ccpa\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">CCPA<\/a>, making it a solid choice for both EU and US fintech businesses.&nbsp;<\/p>\n\n\n\n<p>SMTP.com offers a Reputation Defender, an add-on that proactively suppresses your bad email addresses. This protects your domain and IP reputation and increases your inbox placement.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>SMTP.com Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>High throughput<\/li>\n\n\n\n<li>In-depth monitoring<\/li>\n\n\n\n<li>Up to 90 days of email logs<\/li>\n\n\n\n<li>Email list validation<\/li>\n\n\n\n<li>Delivery consultation<\/li>\n\n\n\n<li>Plenty of ways to reach customer support<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>SMTP.com Cons<\/strong><\/p>\n\n\n\n<ul>\n<li>Doesn\u2019t provide code snippets or SDKs for easier integration<\/li>\n\n\n\n<li>Analytics and reporting are a bit basic compared to the competition<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>Pricing starts from $25 per month for 50,000 emails, and the platform doesn\u2019t offer a free plan. It also has plans for high-volume senders that start at a minimum of 250 million emails per month.<\/p>\n\n\n\n<p>Although the SMTP.com reviews I found are sort of a mixed bag, I\u2019ve noticed that its email API gets praise from people in financial services. For instance, Aaron here likes the shared IP address SMTP.com offers, but hopes for a more affordable plan:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"413\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/SMTP.com-API-review-from-finance-professionals.png\" alt=\"SMTP.com API review from finance professionals\" class=\"wp-image-92832\"\/><\/figure>\n\n\n\n<p><em>Source: G2<\/em><\/p>\n\n\n\n<p>Another reviewer I found likes the straightforward setup and the help she received from the SMTP.com support team:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"418\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/review-of-SMTP.com-support-team.png\" alt=\"review of SMTP.com support team\" class=\"wp-image-92830\"\/><\/figure>\n\n\n\n<p><em>Source: Trustpilot<\/em><\/p>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link buttonCTA\">Get started with SMTP.com today<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_SendGrid\"><\/span>3. SendGrid<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 4.0 \ud83c\udf1f <strong>Capterra<\/strong>: 4.2 \ud83c\udf1f<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: C#, Go, Java, Node.js, PHP, Python, Ruby<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"369\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Sendgrid-email-delivery-platform-for-SMTP-and-email-API-for-developers.png\" alt=\"Sendgrid email delivery platform for SMTP and email API for developers\" class=\"wp-image-92831\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a> is an email delivery platform that offers an SMTP and email API for developers, and tools for marketers.<\/p>\n\n\n\n<p>It\u2019s a solid choice for fintech companies as it offers plenty of deliverability features and Deliverability Insights for observing email performance.&nbsp;<\/p>\n\n\n\n<p>Your dev team will appreciate SendGrid for the control it gives users over its email infrastructure. You can manually adjust IP usage and ending rates, and send emails from servers closest to recipients.<\/p>\n\n\n\n<p>SendGrid states that it sends <strong>100 billion<\/strong> emails every month, which means that the platform is quite scalable.<\/p>\n\n\n\n<p>Some SendGrid security features that stand out are detailed IP access management and activity feed, and TLS \/ MTA-STS enforcement. It also has certifications for SOC 2, ISO 27001, and HIPAA. If you need logging for compliance audits, you\u2019ll need to use Twilio\u2019s security tools.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>SendGrid Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>Deliverability insights<\/li>\n\n\n\n<li>Global data centers<\/li>\n\n\n\n<li>Deliverability consultation<\/li>\n\n\n\n<li>Email validation<\/li>\n\n\n\n<li>Consultation services<\/li>\n\n\n\n<li>Extensive API documentation<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>SendGrid Cons<\/strong><\/p>\n\n\n\n<ul>\n<li>Customer support and dedicated IPs are limited to higher-tier plans<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>SendGrid pricing starts from $19.95 for 50,000 emails per month and has a free plan with 100 emails\/day for the first 60 days.&nbsp;<\/p>\n\n\n\n<p>As for fintech user reviews, I\u2019ve seen a few people mention that it\u2019s tricky to use as a marketer if you don\u2019t have devs nearby. Overall, they seem to be satisfied with sending transactional emails and automated campaigns:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"296\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/fintech-user-reviews-of-sendgrid.png\" alt=\"fintech user reviews of sendgrid\" class=\"wp-image-92819\"\/><\/figure>\n\n\n\n<p><em>Source: G2<\/em><\/p>\n\n\n\n<p>I\u2019ve also read a few interesting case studies on the SendGrid customers page. For example, you can see how Crypto.com used SendGrid\u2019s API and ID verification to allow their customers to log in simply by clicking a magic link they receive in an email.<\/p>\n\n\n\n<p><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"ek-link buttonCTA\">Try SendGrid for free<\/a> or <a href=\"https:\/\/www.emailvendorselection.com\/sendgrid-alternatives\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">browse SendGrid alternatives<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_MailerSend\"><\/span>4. MailerSend<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 4.2 \ud83c\udf1f <strong>Capterra<\/strong>: 4.4 \ud83c\udf1f<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: PHP. Node.js, Golang, Python, Ruby, Java, Laravel&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"375\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Mailersend-new-email-API-and-SMTP-provider.png\" alt=\"Mailersend new email API and SMTP provider\" class=\"wp-image-92820\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a> is a relatively new email API and SMTP provider, developed by the same team behind the ever-so-popular MailerLite.<\/p>\n\n\n\n<p>It\u2019s a solid choice for any fintech company looking to send transactional emails and SMS while having the ability to create professional email designs easily.<\/p>\n\n\n\n<p>You can use the drag-and-drop or HTML&nbsp;editors to create designs, and most importantly, preview how they appear before sending them. MailerSend also has email split testing, which lets you see which headers, subject lines, or templates work best.<\/p>\n\n\n\n<p>You can also insert personalized content, user-specific info, or market data. This is super useful for fintech companies. For example, you can send emails with personal transaction IDs, account balances, OTPs, and account lockout alerts via simple-to-use fields.<\/p>\n\n\n\n<p>Another selling point here for fintech businesses is that you can verify your email list using the MailerSend bulk email verification tool or use the email address validation API to verify email addresses in real time. The best part is that you get code snippets for the validation logic, so you don\u2019t have to do it manually.<\/p>\n\n\n\n<p>Your developer team will also appreciate MailerSend webhooks, which support real-time event tracking and let you monitor system status.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>MailerSend Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>SMS support<\/li>\n\n\n\n<li>Email verification<\/li>\n\n\n\n<li>Customizable templates<\/li>\n\n\n\n<li>Drag-and-drop + HTML editors<\/li>\n\n\n\n<li>Inbound routing<\/li>\n\n\n\n<li>Webhooks for event tracking and status monitoring<\/li>\n\n\n\n<li>Live chat support for all plans<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>MailerSend Cons<\/strong><\/p>\n\n\n\n<ul>\n<li>Dedicated IPs are limited to the most expensive, enterprise plan.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.emailvendorselection.com\/go\/mailersendprice\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">The pricing starts from $7<\/a> per month for 5000 emails and 100 SMS + email verification credits. The free plan is also quite generous, offering you 500 emails per month and features like analytics, which are usually locked for higher-tier plans.<\/p>\n\n\n\n<p>Since MailerSend is relatively new (launched in 2020), I didn\u2019t expect to see many reviews about it online, but I was wrong. Its fintech users like how easy to use the platform is, how transparent the pricing is, and the powerful API integration that comes with MailerSend:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"417\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Mailersend-reviews-from-fintech-users.png\" alt=\"Mailersend reviews from fintech users\" class=\"wp-image-92821\"\/><\/figure>\n\n\n\n<p><em>Source: G2<\/em><\/p>\n\n\n\n<p>Some fintech users also say that MailerSend\u2019s customer support team was reliable and helped them set up the account within minutes:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"419\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/review-of-MailerSends-customer-support-team.png\" alt=\"review of MailerSend\u2019s customer support team\" class=\"wp-image-92827\"\/><\/figure>\n\n\n\n<p><em>Source: Capterra<\/em><\/p>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersendtrial\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link buttonCTA\">Try MailerSend for free<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Mailgun\"><\/span>5. Mailgun<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 4.2<strong> \ud83c\udf1f Capterra<\/strong>: 4.3 \ud83c\udf1f<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: C#, Go, Java, Node.js, PHP, Python, Ruby<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"351\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Mailgun-developer-friendly-SMTP-and-email-API-service-provider.png\" alt=\"Mailgun developer-friendly SMTP and email API service provider\" class=\"wp-image-92822\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a> is a developer-friendly SMTP and email API service provider that offers deliverability features and marketing tools.<\/p>\n\n\n\n<p>Mailgun\u2019s pricing model is on the more expensive side and more suitable for enterprise users and fintech businesses with high sending volumes.<\/p>\n\n\n\n<p>Its selling point for fintech business is the Rapid Fire Delivery SLA, a service level agreement that promises stable delivery of up to 15 million emails per hour with a latency of under 2 seconds. Although this is useful if you plan to send burst emails, note that it\u2019s reserved for enterprise plans.<\/p>\n\n\n\n<p>I must also mention the Mailgun webhook API, which supports a variety of events (e.g., accepted, delivered, spam complaints, etc.). It can be configured at the domain level, which can be handy if you have multiple domains.<\/p>\n\n\n\n<p>Mailgun lets you send emails from multiple regions worldwide from a single account since it\u2019s hosted within both the EU and the US. This can be super helpful for complying with certain regulations, plus your recipients will get emails faster if they receive them from close by servers.<\/p>\n\n\n\n<p>If you\u2019re into AI, I have to mention that Mailgun uses AI to predict inbox placement, and optimize sending times.<\/p>\n\n\n\n<p>Mailgun requires TLS and MTA-STS. This gives you granular control over user permission and keeps detailed event logs.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Mailgun Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>Drag-and-drop editor<\/li>\n\n\n\n<li>Templates API<\/li>\n\n\n\n<li>Email validation<\/li>\n\n\n\n<li>Various AI tools<\/li>\n\n\n\n<li>In-depth analytics<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Mailgun Cons<\/strong><\/p>\n\n\n\n<ul>\n<li>A lot of the advanced functionality is paywalled, like SLA or dedicated IPs<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgunpricing\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Pricing starts from $15<\/a> per month for 10,000 emails and you can send up to 3,000 emails on the free plan (100 per day).<\/p>\n\n\n\n<p>On user review sites, I came across many reviews that praised Mailgun\u2019s API for being great for transactional emails. Like this short and sweet review, for example:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"333\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/review-of-Mailguns-API.png\" alt=\"review of Mailgun\u2019s API\" class=\"wp-image-92828\"\/><\/figure>\n\n\n\n<p><em>Source: Capterra<\/em><\/p>\n\n\n\n<p>On Mailgun\u2019s case studies page, I found a detailed report on how ZipBooks, an accounting software, successfully switched from Mandrill (now Mailchimp).<\/p>\n\n\n\n<p>ZipBooks used Laravel, a popular PHP framework, to integrate with Mailgun and start sending transactional emails over a single weekend. They also set up bcc email sending functionality, which is perfect for any invoicing app, trading or payment platform. Read the detailed report <a href=\"https:\/\/www.mailgun.com\/resources\/case-studies\/zipbooks-switched-from-mandrill-to-mailgun-using-laravel\/\">here<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/mailguntrial\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link buttonCTA\">Try Mailgun for free<\/a> or <a href=\"https:\/\/www.emailvendorselection.com\/mailgun-review\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">read our full review<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Amazon_SES\"><\/span>6. Amazon SES<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 4.3 \ud83c\udf1f<strong>Capterra<\/strong>: 4.7 \ud83c\udf1f<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: Java, .NET, PHP, Python, Ruby, Go<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"311\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Amazon-SES-email-delivery-service.png\" alt=\"Amazon SES email delivery service\" class=\"wp-image-92817\"\/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a> (Simple Email Service) is an email delivery service that relies on Amazon\u2019s cloud-based infrastructure and provides both an email API and SMTP.&nbsp;<\/p>\n\n\n\n<p>It\u2019s a safe choice for any fintech company that\u2019s already knee deep in the AWS ecosystem or has a team of experienced developers.<\/p>\n\n\n\n<p>To use Amazon SES to its fullest extent, you need to integrate it with other AWS services like Lambda for automating email workflows or CloudWatch for monitoring deliverability metrics and tracking bounces.<\/p>\n\n\n\n<p>You have many ways to control your email infrastructure with Amazon SES. You can configure dedicated IP pools (these are super affordable), set up custom MAIL FROM domains, and implement authentication protocols.<\/p>\n\n\n\n<p>Fintech companies can also scale quite well with Amazon SES, since the platform has a high sending throughput that starts around 50,000 emails per day.<\/p>\n\n\n\n<p>Amazon SES has servers in the EU, the US, and Asia, follows all industry-standard practices, and offers CloudTrail and Data Process Addendum (DPA). Both can be useful for fintech businesses that want to stay compliant and secure.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p>Amazon SES Pros<\/p>\n\n\n\n<ul>\n<li>Rich API documentation<\/li>\n\n\n\n<li>AWS integrations<\/li>\n\n\n\n<li>Reputable IP addresses<\/li>\n\n\n\n<li>Servers in the EU, the US, and Asia<\/li>\n\n\n\n<li>Advanced webhooks<\/li>\n\n\n\n<li>Generous free plan and budget-friendly pricing<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p>Amazon SES Cons<\/p>\n\n\n\n<ul>\n<li>Has a really steep learning curve if you don\u2019t have experience with email sending or AWS<\/li>\n\n\n\n<li>The user interface and the dashboard are pretty minimal, barebones even.&nbsp;<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>Amazon SES has a super simple, pay-as-you-go pricing model. You pay $0.10 per 1,000 emails, which is essentially $1 for 10,000 or $10 for 100,000 emails. Also, you pay $0.12 per gigabyte (GB) of data you send via attachment, which might be useful to know if you plan on sending documents like financial statements, invoices, and identity verifications.<\/p>\n\n\n\n<p>Additionally, you get 3,000 emails for free each month during your first year using Amazon SES.<\/p>\n\n\n\n<p>Amazon SES seems to be getting a lot of love online, since I\u2019ve noticed that people usually leave positive remarks about the platform. Most of them like how it sends transactional emails, pricing, API, and integration with the AWS ecosystem.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"419\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/user-review-of-Amazon-SES.png\" alt=\"user review of Amazon SES\" class=\"wp-image-92834\"\/><\/figure>\n\n\n\n<p><em>Source: Capterra<\/em><\/p>\n\n\n\n<p>I also read some case studies on the Amazon SES customers page, most of which were relatively well-known SaaS companies.&nbsp;<\/p>\n\n\n\n<p>There\u2019s also a report by VirtualData.io, a software for processing unstructured data in legal, healthcare, and finance. They successfully used Amazon Bedrock to extract data from lots of FDA-regulated documents at once. Then processed it and delivered it to the customers via the Amazon SES API.<\/p>\n\n\n\n<p>Check out our review of <a href=\"https:\/\/www.emailvendorselection.com\/amazon-ses-alternatives\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">the best Amazon SES alternatives<\/a> to compare<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"resend\"><span class=\"ez-toc-section\" id=\"7_Resend\"><\/span>7. Resend<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>G2<\/strong>: 4.3 \ud83c\udf1f<strong>Capterra<\/strong>: N\/A<\/p>\n\n\n\n<p><strong>Supported SDKs<\/strong>: Node.js, PHP, Laravel, Python, Ruby, Go, Java, Rust, .NET<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"391\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/Resend-email-sending-platform-for-fintechs.png\" alt=\"Resend email sending platform for fintechs\" class=\"wp-image-92826\"\/><\/figure>\n\n\n\n<p>Launched in 2023, <a href=\"https:\/\/resend.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Resend<\/a> is a new email sending platform that offers developer-friendly SMTP and email API for sending transactional and marketing emails.<\/p>\n\n\n\n<p>It\u2019s most suitable for fintech with strong developer teams who can make use of the extensive Resend integration and put to work integrations with AWS services like Lambda. For example, you can manage domain verification and DNS records by integrating Route 53.<\/p>\n\n\n\n<p>Your developer team will also appreciate React email, an open-source framework you can use to design transactional emails using React and JSX. They\u2019ll also be able to preview the emails in HTML or plain text on different devices.<\/p>\n\n\n\n<p>Resend also offers integrations with Vercel via its streamlined Node.js SDK, auto-generating API keys and setting environment variables in your stead. This makes it ideal for sending real-time alerts, payment confirmations, and other important transactional emails with minimal setup and maximum reliability.<\/p>\n\n\n\n<p>Another thing I liked is how transparent Resend is about its business operations. For instance, you can find everything about the company, from their work policies to which stack they use, and how they use RFCs in their handbook.&nbsp;<\/p>\n\n\n\n<p>On Resend\u2019s security page, I found out that the platform is compliant with SOC 2 Type II and GDPR.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Resend Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>Super clean UI<\/li>\n\n\n\n<li>Vercel integration<\/li>\n\n\n\n<li>Affordable dedicated IPs&nbsp;<\/li>\n\n\n\n<li>Thorough documentation<\/li>\n\n\n\n<li>Easy integration with code snippets<\/li>\n\n\n\n<li>Reliable customer support<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p>Resend Cons<\/p>\n\n\n\n<ul>\n<li>Requires experience with APIs and templating systems to get the most out of it.<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>Pricing starts from $20 per month for 50,000 transactional emails and $40 per month for 5,000 contacts and unlimited marketing emails. There\u2019s also a free plan that lets you send 3,000 emails per month or have 1,000 contacts.<\/p>\n\n\n\n<p>Since Resend is still new, I couldn\u2019t find many reviews about it online, although the ones I did find all seem to praise its API for documentation, analytics, and overall sending functionality.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"308\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/review-of-Resend-API-for-documentation-analytics.png\" alt=\"review of Resend API for documentation, analytics\" class=\"wp-image-92829\"\/><\/figure>\n\n\n\n<p><em>Source: G2<\/em><\/p>\n\n\n\n<p>Resend\u2019s customer page surprised me with how many successful companies use it to send emails. I also found three case studies on fintech companies (Fey, Shepherd, and Theya) who successfully set up sending functionality and now praise Resend for compliance, API transition speed, deliverability, and reliability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Self-hosted\"><\/span>Self-hosted<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although it\u2019s not necessarily a dedicated email API service, I have to mention self-hosted solutions.<\/p>\n\n\n\n<p>This method is best for fintech companies that want to have physical access to their physical servers and have a competent IT team to set it all up and maintain it.<\/p>\n\n\n\n<p>To host your own server and start sending emails from it, you need to configure MTAs, set up DNS records, secure your server with TLS, manage sender reputation, handle on-premise hardware, and more.<\/p>\n\n\n\n<p>As you can imagine, the cost of this setup can quickly ramp up, but if you have enough sending volume each month, it\u2019s generally worth it in the long run.<\/p>\n\n\n\n<p>The costs can add up, but you will also be able to handle data on your own and fine-tune your infrastructure according to the latest compliance and security requirements. This is especially useful for fintech businesses, which deal with sensitive financial information.<\/p>\n\n\n\n<p>Self-hosted solutions offer granular control since you choose which protocols you enforce, how you configure spam filters, firewalls, etc. You can also meet marketing regulations easily since you control where data is stored, who can access it, and how long it&#8217;s kept.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re interested in learning more about the differences, check out our article about <a href=\"https:\/\/www.emailvendorselection.com\/email-service-providers-versus-on-premise-email-solutions\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">email service providers vs on-premise solutions<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Self-hosted Pros<\/strong><\/p>\n\n\n\n<ul>\n<li>Improved security<\/li>\n\n\n\n<li>Customizable<\/li>\n\n\n\n<li>Compliance control<\/li>\n\n\n\n<li>No ties to 3rd party providers<\/li>\n\n\n\n<li>Improved data ownership<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<p><strong>Self-hosted Cons<\/strong><\/p>\n\n\n\n<ul>\n<li>Not easy to set up&nbsp;<\/li>\n\n\n\n<li>Requires a team of IT experts to properly configure and maintain<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>The costs range from a few hundred dollars to several thousand dollars. The final amount of money you have to put aside for a self-hosted solution depends on whether you buy your own hardware or use a self-hosted platform (e.g., <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/mailcow.email\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailcow<\/a>, <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iredmail.org\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">iRedMail<\/a>, etc.), on the external <a href=\"https:\/\/www.emailvendorselection.com\/email-deliverability-tools\/\" target=\"_blank\" aria-label=\"deliverability tools (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"ek-link\">deliverability tools<\/a> you\u2019ll use, and the number of devs you\u2019ll hire.<\/p>\n\n\n\n<p>Self-hosted servers don\u2019t have ratings on G2 or Capterra, so I hopped on social media to find out what people have to say. I\u2019ve come across different opinions, like in this <a href=\"https:\/\/www.reddit.com\/r\/selfhosted\/comments\/1etb8jh\/selfhosting_an_email_server_why_or_why_not_whats\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Reddit thread<\/a>, where one sysadmin recommends it:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"160\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/positive-review-of-self-hosted-solutions-on-social-media.png\" alt=\"positive review of self hosted solutions on social media\" class=\"wp-image-92825\"\/><\/figure>\n\n\n\n<p>On the other hand, in the same thread, another user talks about his regrets of trying to host an email server:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"650\" height=\"180\" src=\"https:\/\/www.emailvendorselection.com\/wp-content\/uploads\/negative-review-of-self-hosted-solutions.png\" alt=\"negative review of self hosted solutions\" class=\"wp-image-92824\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wrapping_up\"><\/span>Wrapping up<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When looking for a specialized fintech email API, you aren\u2019t just looking for allowed monthly email sends. You need high deliverability, reliability,&nbsp; and extensive documentation, just to name a few.<\/p>\n\n\n\n<p>So, I recommend you to use <a href=\"#how-to-choose-an-email-api-provider-for-fintech\" class=\"ek-link\">the criteria<\/a> I provided you in this article, check out the email providers on the list, and see what\u2019s best for your team.&nbsp;<\/p>\n\n\n\n<p>Remember: what might work for someone else, might not work for you, so be mindful of your business\u2019 needs and your team\u2019s requirements.<\/p>\n\n\n\n<p>Here\u2019s a summary of the top fintech email APIs:<\/p>\n\n\n\n<ul>\n<li>Best for high deliverability: <a href=\"https:\/\/www.emailvendorselection.com\/go\/mailtrap\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailtrap<\/a><\/li>\n\n\n\n<li>Best minimal solution: <a href=\"https:\/\/www.emailvendorselection.com\/go\/smtp-com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SMTP.com<\/a><\/li>\n\n\n\n<li>Best for developers and marketers: <a href=\"https:\/\/www.emailvendorselection.com\/go\/sendgridsmtp\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">SendGrid<\/a><\/li>\n\n\n\n<li>Best for transactional emails and SMS: <a href=\"https:\/\/www.emailvendorselection.com\/go\/mailersend\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">MailerSend<\/a><\/li>\n\n\n\n<li>Best for developers: <a href=\"https:\/\/www.emailvendorselection.com\/go\/mailgun\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Mailgun<\/a><\/li>\n\n\n\n<li>Best for AWS users: <a href=\"https:\/\/www.emailvendorselection.com\/go\/amazonses\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"ek-link\">Amazon SES<\/a><\/li>\n\n\n\n<li>Best for JS stack teams: Resend<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Fintech moves fast, and so should your emails. Customers expect secure, lightning-fast email updates about their money. Find reviews of the best email API services for fintech in our full guide.<\/p>\n","protected":false},"author":184,"featured_media":92818,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[2,795],"tags":[],"dealstore":[],"coauthors":[1315],"acf":[],"_links":{"self":[{"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/posts\/92800"}],"collection":[{"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/users\/184"}],"replies":[{"embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/comments?post=92800"}],"version-history":[{"count":15,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/posts\/92800\/revisions"}],"predecessor-version":[{"id":94220,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/posts\/92800\/revisions\/94220"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/media\/92818"}],"wp:attachment":[{"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/media?parent=92800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/categories?post=92800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/tags?post=92800"},{"taxonomy":"dealstore","embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/dealstore?post=92800"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.emailvendorselection.com\/wp-json\/wp\/v2\/coauthors?post=92800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}