ACH payments can improve your bottom line.

Plaid can help you integrate an ACH payment option that’s user-friendly and cost-effective.

Start building
A modern way to pay

Merchants pay almost 3% on every credit card transaction. ACH is cheaper than cards, making it ideal for high-ticket purchases and recurring payments.

Great conversion

Customers can start paying in a matter of seconds by simply entering their bank username and password.

Learn more about ACH connectivity
The credit card fee on a $10,000 transaction is a very meaningful dollar amount for a business like ours. We needed to find a way to save money on fees while giving patients more flexibility about their payment options.
Jamie Karraker, Co-Founder of Alto PharmacySee the full case study
Less churn

Credit cards expire every three years, as well as getting lost or stolen. ACH uses checking accounts, which don’t expire or get lost.

Mitigate fraud

Plaid-powered ACH reduces fraud risk by instantly verifying the identity of the account owner, including name, address, email, and phone number.

Reduce NSF fees

Worried about NSF, overdraft, or chargeback fees? Don’t be. All it takes is a simple account balance check, and you’re in the clear.

 

No need to sacrifice speed

Designed for conversion, Plaid’s front-end module allows users to get authorized for ACH payments in an average of 11 seconds.

 

Quick integration

We have, and always will, build with developers in mind. With just a few lines of code, you can implement Plaid in an afternoon.

Read our documentation
brushstroke
1
2
3
4
5
6
7
8
9
10
11
<form id="link-form-id" method="GET"> </form>
<script
  src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"
  data-client-name="Your Company's Name"
  data-form-id="link-form-id"
  data-key="test_key"
  data-product="transactions"
  data-env="sandbox">
</script>
How It Works

Quick integration

We have, and always will, build with developers in mind. With just a few lines of code, you can implement Plaid in an afternoon.

Read our documentation
1
2
3
4
5
6
7
8
9
10
11
<form id="link-form-id" method="GET"> </form>
<script
  src="https://cdn.plaid.com/link/v2/stable/link-initialize.js"
  data-client-name="Your Company's Name"
  data-form-id="link-form-id"
  data-key="test_key"
  data-product="transactions"
  data-env="sandbox">
</script>
 

No need to sacrifice speed

Designed for conversion, Plaid’s front-end module allows users to get authorized for ACH payments in an average of 11 seconds.

Options for ACH payment processors

Plaid works with any ACH processor, including Stripe and Dwolla.

Instantly authenticate your customers’ bank accounts for use with Stripe’s ACH API

Learn more

Instantly authenticate your customers’ bank accounts for use with Dwolla’s ACH API

Learn more

What will you build?