Pay By Bank
Pay by Bank, built to scale
A better way to pay. Lower fees with smoother flows, without card processing costs.
Risk, reduced.
Payments, accelerated.
Customers authenticate directly with their bank, cutting out chargebacks—while payments settle in seconds over real-time payment rails.
Risk, reduced.
Payments, accelerated.
Customers authenticate directly with their bank, cutting out chargebacks—while payments settle in seconds over real-time payment rails.
Easy as cards
Increase conversion with a simplified checkout experience, removing the drop-off of manual bank transfers.
Lower transaction fees
Reduce costs with fixed-fee Open Banking payments that arrive instantly
No need to enter bank details
Users authenticate directly with their bank, eliminating card and direct debit chargebacks.
Everything you need to move money online
Capture more revenue, reduce fraud, and give customers a seamless payment experience with pay by bank.
Everything you need to move money online
Capture more revenue, reduce fraud, and give customers a seamless payment experience with pay by bank.
100M+
global users
34M
bill payments powered by Plaid
12K+
financial institutions
Fast, every time
Whether it's a customer's first time or they're a returning user, Plaid provides the fastest pay by bank experience in the industry.
Straight from the bank
Customers authenticate directly with their bank via secure Open Banking, so you know every payment is real—no card numbers, no manual entry, no guesswork.
Partnering with Plaid is an important step that allows us to continue to deliver on this, enabling flexible, low-cost repayment options at scale, all while simplifying the experience behind the scenes.
Joe Zender
Chief Product Officer, Zilch
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Customise your experience
Make it your own
Customise your logo, colours, buttons, bank list order, and account filtering, for a payment flow that feels like yours.
We handle the complexity
Optimised authentication for each bank, pre-filled details for returning users, and fewer repeat logins—the hard parts, out of sight
