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.</p> Direct Import <p>In order to provide Direct Import services, we partner with financial data aggregation specialists MX and Plaid. 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. You authorize the aggregator to carry out this process on YNAB’s behalf.