Mobile payment confirmation screen displaying a subscription summary. The interface shows payment details linked to a checking account at Gingham Bank ending in 2834, with a recurring charge of $98.00 on the 1st of every month. A green 'Confirm payment' button is at the bottom. The background features a colorful gradient effect emphasizing digital payment security and user-friendly financial transactions.

PAYMENTS

The bank payments infrastructure Europe runs on

Pay by Bank, Recurring and Payouts — across 20 markets, through a single integration. Built for fintechs who move money at scale.

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Pay by Bank. One Integration.

Every way your customers need to pay.

One-time and Recurring.

Instant, bank-native payment experience. One-time for immediate purchases. Recurring for mandates they set and forget. No manual details. Real-time settlement.

Returning user conversion> 90%


Banking app showing connected accounts: Barclays, HSBC, Monzo with account balances displayed

Send money out. Instantly, at scale.

Disburse loans. Payout a merchant. Process refunds. Payouts moves funds to your customer’s bank in real time, across 20 European markets.

Payment transaction details showing £3,450.64 rent payment with status timeline from authorising to executed on July 6, 2024

Security layer built into every payment.

Stop fraud before it starts. Check account ownership and match identity ahead of the transaction. Real protection for your revenue, purposeful friction for your customers.

Banking app showing loan approval with Barclays account transactions including Zyppy Loans disbursement and payments

Settlement you can see. Money you can move.

Real-time balance visibility with virtual accounts as your settlement layer — no settlement lag, no reconciliation black box. Pay-ins, payouts, refunds and sweeps. GBP and EUR. All in one integration.

Young person portrait surrounded by tech icons including SIM card, globe, location, signal, chat, and mobile on blue background
Banking app showing connected accounts: Barclays, HSBC, Monzo with account balances displayed
Payment transaction details showing £3,450.64 rent payment with status timeline from authorising to executed on July 6, 2024
Banking app showing loan approval with Barclays account transactions including Zyppy Loans disbursement and payments
Young person portrait surrounded by tech icons including SIM card, globe, location, signal, chat, and mobile on blue background

Three ways to move money in Europe. One integration. 20 markets.

Pay By Bank

Inbound bank payments, one-time or recurring, across 20 markets.

Explore Pay by Bank

Recurring

Set and Collect. Mandate-based payments for variable amounts for sweeping and commercial.

Explore Recurring

Payouts

Outbound bank payments for disbursements, settlements, refunds and returns. Instantly.

Explore Payouts

CUSTOMER STORIES

See who’s moving money
on the Plaid Network

  • Unlocking a new era of customer-first payments.

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  • Moneybox is unboxing high-speed, low-fee payments.

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  • Western Union made payments simpler, cheaper, and more secure

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  • PokerStars is leveling up payments for online gaming

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  • Taptap Send is building loyalty with easier money transfers

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  • Paysend powered more transactions with open banking

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Global infrastructure, local expertise.

Built for how Europe moves money.

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