Pay By Bank
Pay by bank, built to scale
A better way to pay. Lower fees, stronger security, smoother flows—and 40% more cost-effective than cards on average.
Easy as cards
Increase conversion with a simplified checkout experience, powered by the Plaid Network.
Lower transaction fees
Reduce payment costs and processing fees by an average of 40% compared to cards.
Proactive risk tools
Use real-time insights from Plaid's risk engine to identify unsafe transactions and prevent losses.
The highest converting experience in the market
Capture more revenue, reduce fraud, and give customers a seamless payment experience with pay by bank.
Bill pay
Streamline payments for higher conversion and ACH adoption—while reducing returns with insights from the Plaid network.
Digital subscriptions
Earn more with autopay. Pay by bank lets you automate recurring low-fee payments so you can collect and retain more revenue.
E-commerce
Maximize sales, reduce chargebacks and fraud, and reach the next wave of shoppers that prefer to pay with their bank account.
As quick as a click
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.
Multiple ways to verify
Offer flexible verification options—like instant account authentication, database validation, or microdeposits—so users can verify however works best for them.
adults in the U.S.
with a bank account have used Plaid to connect to an app or service
reduction in ACH returns
compared to manual verification methods
increase in pay by bank
with new embedded interface
Plaid’s innovative, industry-leading financial technology made this partnership a great fit. Our complementary offerings form an unparalleled pay by bank experience for businesses and end-consumers alike.
Davi Strazza
President of North AmericaRead more
Risk, reduced.
ACH, accelerated.
With Plaid’s intuitive UX and ML-powered risk management tools, we’re securely supporting billions of dollars in one-time and recurring payment volume.
Risk, reduced.
ACH, accelerated.
With Plaid’s intuitive UX and ML-powered risk management tools, we’re securely supporting billions of dollars in one-time and recurring payment volume.
get started
Customize your checkout experience
Process your payments with Plaid
Give customers the fastest payment experience with Plaid’s end-to-end solution. No clunky redirects, lengthy forms, or unnecessary friction.
Integrate with your payment processor
Easily add pay by bank to your payment flow, with a flexible user experience that fits your checkout and drives the highest conversion.
