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Auth

  • Introduction to Auth
  • Add Auth to your app
  • Money movement partnerships
  • Increasing pay-by-bank adoption
  • Additional Auth flows
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    Auth Payment Partners

    Find payment providers who have partnered with Plaid to provide general purpose ACH money movement

    Overview

    Many Plaid developers choose to use a Plaid partner to move money with Auth. You will use Plaid Link initialized with the Auth product, but instead of using Plaid Auth endpoints, you will use endpoints from the payment platform, giving you access to payment functionality while freeing you from having to securely store sensitive bank account information.

    The following is a list of payments platforms who have partnered with Plaid to provide ACH money movement via a special processor token, along with instructions on how to enable those integrations.

    PartnerDescription
    DwollaInstantly authenticate your customers' bank accounts for use with Dwolla's ACH API
    SquareInstantly authenticate your customers' bank accounts for use with the Square Web Payments SDK
    ACHQInstantly authenticate your customers' bank accounts for use with ACHQ's ACH API
    Roll by ADPAuthenticate your customers’ bank accounts for secure payroll direct deposit support.
    AdyenValidate bank accounts and reduce returns through an end-to-end pay-with-your-bank solution with Adyen
    AlpacaUse Alpaca with Plaid Auth to send and receive payments
    AnsaInstantly authenticate your customers' bank accounts for use with the Ansa API to enable wallet funding over ACH
    Apex Fintech SolutionsInstantly authenticate your investors’ bank accounts for use with Apex Fintech Solutions Cash API
    AstraInstantly authenticate your customer’s bank accounts for automated ACH transfers through the Astra platform
    AtomicInstantly authenticate your customers' bank accounts to seamlessly fund investment accounts
    BakktInstantly authenticate your customer’s accounts to use with Bakkt Fiat Services API for ACH based money movement
    BondInstantly authenticate your customers’ bank accounts for use with Bond’s ACH Transfers API
    CheckCheck lets you embed payroll in your product and easily configure and authenticate direct deposit payments
    CheckbookInstantly authenticate your customers’ bank accounts for use with Checkbook’s payment solution -- including ACH, real-time payments, push to card, virtual cards, and checks
    Checkout.comInstantly authenticate bank account details for use with Checkout.com’s Unified Payments API, and unlock unrivaled payment performance
    DriveWealthEnable your customers to instantly and securely fund DriveWealth supported investment accounts by linking their bank account with Plaid
    FinixInstantly add customer bank accounts to Finix to accept and send payments with tokenized payment information. It’s fast, frictionless, and secure.
    Fortress TrustInstantly allow end customers to connect, verify and authorize funding to their Fortress Trust account from their external bank accounts
    GalileoInstantly authenticate your customers' bank accounts for account opening and funding
    GustoBuild payroll with Gusto, then use Plaid Auth to instantly connect your customers’ bank accounts and run payroll faster
    HighnoteInstantly authenticate your customer’s bank accounts for use with the Highnote Platform to store account details, transfer funds, and make payments
    LithicInstant bank authentication for ACH payments and card loads
    MarqetaIntegrate Plaid and Marqeta’s APIs to seamlessly authenticate your customer’s bank account prior to an ACH transfer
    Modern TreasuryInstantly authenticate your customers' bank accounts for use with Modern Treasury's ACH API
    MoovInstantly authenticate your customers’ bank accounts to enable them to accept, store, and disburse funds with Moov
    PaynoteEnhance your checkout and reduce returns with Paynote ACH. Utilize Plaid’s verification and real-time balance checks to instantly debit and credit bank accounts.
    RiskifiedProvide fraud screening and ACH payment guarantee
    RizeUse Plaid to instantly verify and connect your customers’ external bank accounts for use within the Rize Platform
    SardineProtect your users by using Sardine’s all-in-one fraud and compliance API
    ScribeUpEmbed subscription management into your digital banking experience
    Sila MoneyBanking, Digital Wallets, and ACH Payments API for software teams
    Silicon Valley BankInstantly authenticate your customers' bank accounts for use with Silicon Valley Bank's ACH API
    SolidInstantly authenticate external bank accounts for use with the Solid Platform
    StakeInstantly authenticate your resident bank accounts for use with the Stake Enterprise API.
    StraddleIntegrate Plaid with Straddle to deliver secure, identity-linked bank payments that settle quickly and feel as simple and reliable as using a debit card.
    StripeInstantly authenticate your customers' bank accounts for use with Stripe's ACH API
    TabaPayInstantly process ACH/RTP/FedNow with TabaPay’s Unified API using your Plaid Token
    Treasury PrimeSend payments and create counterparties with the Treasury Prime API
    UnitInstantly authenticate counterparties’ bank accounts for use with the Unit API
    VoPayEliminate inefficiencies of US and Canadian online bank account payments with VoPay’s EFT / ACH and Plaid
    WedbushPlaid-linked bank accounts can be connected to fund or withdraw from accounts on the Wedbush Securities platform.
    Zero HashUse Zero Hash with Plaid Auth to embed bank account linking for ACH-funded crypto trades

    For more information, see the full list of partners in the Plaid Dashboard.

    Global payments options

    Money movement via Plaid partners is only available for financial institutions within the US (with multiple providers above) and Canada (with VoPay, Modern Treasury, or Finix). In Europe, Payment Initiation provides an easy and secure way to transfer funds.

    Example code in Plaid Pattern

    For a real-life example of an app that incorporates the creation of processor tokens, see the Node-based Plaid Pattern Account Funding sample app. Pattern Account Funding is a sample account funding app that creates a processor token to send to your payment partner. The processor token creation code can be found in items.js.

    For a tutorial walkthrough of creating a similar app, see Account funding tutorial.

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