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.

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  • 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.

    "Online bill payment interface for Carsurance displaying payment method selection. Option to 'Pay by bank and save 3%' is selected, showing an Instant Bank Login via Plaid with logos of fictional banks including Gingham Bank, Brocade, IKAT, Jacquard Credit Union, Twill Financial, KilimCredit, Bank of Tattersall, and GlenBank. Manual account entry and Credit/Debit card options also visible. Discounted amount and contract details shown on the right.
  • Earn more with autopay. Pay by bank lets you automate recurring low-fee payments so you can collect and retain more revenue.

    Meowbox subscription checkout screen with saved bank account options. User is prompted to choose between Gingham Bank (last used) and South Credit for a 12-month Premium Subscription. Mobile verification via code sent to phone ending in 3333 shown at bottom. Shipping listed as free with subscription, powered by Plaid integration.
  • Maximize sales, reduce chargebacks and fraud, and reach the next wave of shoppers that prefer to pay with their bank account.

    Tabby & Teak eCommerce checkout page showing shopping cart with a 'Cozy Couch & Table Set'. Payment method selected is Gingham Bank checking account ending in 1234, verified via Plaid. Total order amount is $5,224.00. Credit card and shipping method options are also displayed.
"Online bill payment interface for Carsurance displaying payment method selection. Option to 'Pay by bank and save 3%' is selected, showing an Instant Bank Login via Plaid with logos of fictional banks including Gingham Bank, Brocade, IKAT, Jacquard Credit Union, Twill Financial, KilimCredit, Bank of Tattersall, and GlenBank. Manual account entry and Credit/Debit card options also visible. Discounted amount and contract details shown on the right.
  • 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 America

Read 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.

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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.

Convert more, spend less, control risk—without more headcount

Talk to a pay by bank expert

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