About payment initiation

We have everything your business needs to move money online.

Our Payment Initiation (PIS) technology powers:

  • One-off or recurring payments into accounts, like bank transfers and standing orders.

  • One-off or recurring payments out of accounts, like withdrawals and refunds.

We offer these as standalone services. But they work at their best with our account information services (AIS), like KYC (Know Your Customer) and real-time balance checks.

Product Features
Improve UX/conversion
Improve UX/conversion

Improve your user experience and conversion with Plaid’s range of SDKs and integration options, and by removing drop-off from manual bank transfers

Reduce costs
Reduce costs

Reduce hefty costs from cards and acquirers with fixed-fee Open Banking payments

Fight fraud
Fight fraud

Users authenticate directly with their bank via secure Open Banking integrations, eliminating card and direct debit chargebacks

Offer flexible payment types
Offer flexible payment types

Enable users to initiate one-time top ups, or schedule standing orders for recurring deposits (e.g., after they receive their paycheck)

Instant payments
Instant payments

Leverage U.K. Faster Payments rails for instant payments that settle to your account in seconds

Verify payment status
Verify payment status

Plaid’s settlement infrastructure makes reconciliation simple

Plaid offers the most advanced payments experience

By creating your payments journey with us, your customers have an easy, reliable experience. We lead them through a simple process, then they see their payment go through right away. They can trust you from their very first payment.

Integration Options

Plaid Link

Plaid Link is the fastest way to get started, is optimised for conversion, and used by thousands of users every day. It’s constantly updated, so you get the benefits of the full Plaid platform in your UX.

Plaid Link

EU Modular Link

With Modular Link, customers can customise elements of account connection flow by selecting from our prebuilt modules and SDKs. For customers with a PISP license, we also offer a whitelabeled option for full user-interface control.

EU Modular Link

Questions about how Plaid can fit into your business?

Our Sales team can help you find the right solution. Fill out the form and we’ll get in touch shortly.

    By submitting this form, I confirm that I have read and understood Plaid's Privacy Statement.

    For existing Plaid customers, please open a case.

    Not a business? Visit our consumer help center. Want to file a developer support ticket, please sign in.

    This form goes to our sales team. If you’re having trouble connecting your financial accounts to an app, we recommend that you start by contacting the app.