A multi-stream heat exchanger includes at least one air preheater section, at least one cathode recuperator section, and at least one anode recuperator section, wherein each section is a plate type heat exchanger having two major surfaces and a plurality of edge surfaces, a plurality of risers through at least some of the plates, and a plurality of flow paths located between plates. The cathode recuperator section is located adjacent to a first edge surface of the anode recuperator, and the air preheater section is located adjacent to a second edge surface of the anode recuperator section.