Introduction to Transfer

Transfer (beta) enables developers to seamlessly initiate and manage bank-to-bank payments for loan disbursement or servicing. Transfer makes ACH easy by providing a built-in authorization engine to minimize clawback of funds due to returns. All of this is accomplished with a simple set of APIs so you can get started with ACH quickly and easily.

Transfer is currently in closed beta and approval is required to participate. It is only available to lenders in the United States. If you're interested in learning more about the Transfer product and potentially participating in the beta program, please reach out to your Plaid point of contact.

The following guides demonstrate how to use Transfer:

• Sending or Receiving Funds

• Sweeping Funds

• Reconciling Transfers

• ACH Processing Windows

• ACH Returns

• ACH Authorization