Billing & Recurring payments
Make ACH bill pay faster and more reliable
Making customers dig for checkbooks costs you revenue
Stop payment failures
Plaid pulls account and routing numbers directly from the bank—no more typos.
Keep recurring payments
Easy linking, balance checks, and recovery tools keep bill payments on schedule with less churn.
Boost customer conversion
With coverage across 95% of U.S. banks, more customers know Plaid and complete sign-up.
We needed a partner with the broadest and most trusted network for financial services in the U.S. Plaid has that.
Trevor Nies
SVP & Global Head of StrategyRead the story
Turn every setup into success
Effortless account linking
No delays or drop-offs. Plaid makes it easy for customers to connect their accounts instantly—so every connection has a chance to become a paying customer.
Instant login or fallback Biometrics, credentials, and manual entry are all validated in real time.
Status checked instantly Accounts are confirmed open and active before bill payments begin.
One-click for returning users Remembered customers can link instantly without re-entering details.
Effortless account linking
No delays or drop-offs. Plaid makes it easy for customers to connect their accounts instantly—so every connection has a chance to become a paying customer.
Instant login or fallback Biometrics, credentials, and manual entry are all validated in real time.
Status checked instantly Accounts are confirmed open and active before bill payments begin.
One-click for returning users Remembered customers can link instantly without re-entering details.
Instant account verification cuts ACH return rates by up to 40%
Link a bank account in an average of 7 seconds
Pay by bank reduces payment costs by an average of 40%
Stop fraud and risk in real time
Network-powered protection
Plaid analyzes 1,000+ data points—from account history, network activity, and balance checks—to stop fraud, flag risky bill payments, and protect your recurring revenue.
Network-powered protection
Plaid analyzes 1,000+ data points—from account history, network activity, and balance checks—to stop fraud, flag risky bill payments, and protect your recurring revenue.
We know that fraudsters are looking for the easiest way to make a buck, and they hit a significant roadblock with Plaid.
Mani Fazeli
Senior Vice President of ProductRead the story
Keep revenue flowing with every payment
Keep autopay on track
Catch low balances or closed accounts early to keep autopay steady.
Retry at the best time
Retry payments when funds are available with real-time insights to reduce failures.
Settle risky payments faster
Re-route through Same Day ACH or Request for Payment (RfP) to keep bill payments on track.
Why ACH wins for bill pay
Known and trusted by millions
Plaid makes ACH feel familiar, trusted, and as fast as cards—so customers actually choose it as their billing method.
Known and trusted by millions
Plaid makes ACH feel familiar, trusted, and as fast as cards—so customers actually choose it as their billing method.
Build the billing stack that fits
Account verification
Verify accounts instantly with login, manual entry, or microdeposits for smooth onboarding.
Start verifying accountsRisk management
Lower ACH returns and fraud with real-time account checks and predictive risk modeling.
Start reducing riskBank payments
Offer secure ACH payments that can reduce costs compared with cards.
Start moving money
