PLATFORMS & MARKETPLACES
Build merchant loyalty with secure, fast experiences
Plaid verifies identity and bank account details before money moves, helping platforms reduce risk and grow faster.
Faster, safer merchant experiences from onboarding to payout
Instant onboarding that doesn’t compromise on security
Help trusted sellers get started quickly and catch fraud from signup to payout.
Smarter lending that fuels growth
Use real-time cash flow data to scale capital programs without taking on more risk.
Quick payments and instant payouts
Give buyers an easy, card-free way to pay and give sellers access to earnings right away.
Get merchants started quickly while keeping bad actors out
Create a frictionless onboarding experience that’s fast for sellers and safe for you—checking identity details and confirming bank account ownership in one flow.
Link a business or personal account in as little as 7 seconds
Remove manual data entry to reduce failed first payouts
Confirm identity and bank ownership instantly—no documents required
As sellers become active, spot early signs of account takeover and payout fraud with insights from 1B+ verified connections.
Get merchants started quickly while keeping bad actors out
Create a frictionless onboarding experience that’s fast for sellers and safe for you—checking identity details and confirming bank account ownership in one flow.
Link a business or personal account in as little as 7 seconds
Remove manual data entry to reduce failed first payouts
Confirm identity and bank ownership instantly—no documents required
As sellers become active, spot early signs of account takeover and payout fraud with insights from 1B+ verified connections.
7 seconds
on average to link a bank account
Up to 25% lift
in conversion thanks to faster onboarding
40% reduction
in average payment cost with pay by bank
Grow revenue with smarter embedded lending
Go beyond sales metrics with real-time cash flow insights that show a seller’s financial health—so you can lend confidently and grow responsibly.
See up to 24 months of transaction history pulled directly from linked accounts
Access balances, inflows, and repayment capacity instantly
Grow revenue with smarter embedded lending
Go beyond sales metrics with real-time cash flow insights that show a seller’s financial health—so you can lend confidently and grow responsibly.
See up to 24 months of transaction history pulled directly from linked accounts
Access balances, inflows, and repayment capacity instantly
Power every payment, from checkout to payout
Plaid keeps funds flowing safely in every direction—from buyers paying in to sellers getting paid out.
Lower your costs with pay by bank
Give buyers a simple, secure pay by bank option that cuts costs by up to 40% and reduces return risk before funds move.
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Payouts in seconds, not days
Send instant or same-day payouts through ACH, RTP, or FedNow so sellers get paid faster and stay loyal.
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Boost platform revenue with embedded bank payments
Turn payments into a revenue stream with faster onboarding, flexible money movement, and real-time tracking built for scale.
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Matt Dundas
Vice president of finance, carvanaCUSTOMER STORIES
See how other platforms build loyalty with Plaid
Your questions, answered
Reach out if we didn’t answer yours.
How can we onboard sellers quickly without increasing fraud or compliance risk?
Onboarding sellers quickly without increasing fraud or compliance risk requires real-time verification of identity, business legitimacy, and bank account ownership, a process Plaid can streamline through direct data connections.
How do we verify a seller’s bank account to prevent payout failures?
Verifying a seller’s bank account to prevent payout failures involves confirming account ownership and validity directly with the financial institution, which Plaid enables through secure, real-time account verification.
How can platforms offer instant or same-day payouts to sellers?
Platforms offer instant or same-day payouts to sellers by confirming account ownership and rail eligibility in real time and routing funds over fast payment rails like ACH, RTP, or FedNow—capabilities Plaid supports through eligibility checks and reliable routing.
What data supports embedded lending or capital programs for sellers?
Embedded lending or capital programs rely on real-time cash-flow, balance, and transaction data to assess financial health, and Plaid supplies this information directly from connected bank accounts.
