AUTH
Instantly verify
any bank account, anywhere
For faster and easier account funding, pay by bank, loan repayments, and everything in between.
Maximize conversion
Stand out with a user experience proven to convert 23% higher in head-to-head tests.
Never miss a connection
Reach more customers with account coverage for 99.9% of U.S. banks and credit unions.
Configure it your way
Stay in control by selecting the processor and authorization types that work best for you.
MORE SHORTCUTS, LESS DETOURS
Get account and routing numbers in seconds, not days, with a single API
Connect with every customer
Make it easy for customers to verify account ownership and share bank account information from over 12,000 financial institutions in the U.S., Canada, and Europe.
Link checking and savings accounts in as little as 7 seconds
Set up ACH transfers from any bank or credit union in the U.S.
Use with any ACH processor, including Adyen and Nuvei
Connect with every customer
Make it easy for customers to verify account ownership and share bank account information from over 12,000 financial institutions in the U.S., Canada, and Europe.
Link checking and savings accounts in as little as 7 seconds
Set up ACH transfers from any bank or credit union in the U.S.
Use with any ACH processor, including Adyen and Nuvei
Expand your capabilities
Instant account authentication is just the beginning. From there, you can easily power more use cases and unlock new revenue streams–all on the industry’s most trusted platform.
Pay by bank
Save an average of 40% on processing fees with pay by bank, the internet's lowest cost way to pay.
Learn moreLending
Build a complete picture of a borrower while providing a better user experience, reducing manual review, and fighting fraud.
Digital banking
Level up your digital banking experience with faster account funding, better risk management, and secure data connectivity.
Ship next week, not next quarter
Save engineering time and start authenticating accounts in more places with our powerful, easy-to-use APIs.
View API docsU.S.
Retrieve account number and routing number to authenticate a checking or savings account for ACH payments.
Canada
Authenticate an account for EFT payments with easy access to account, institution, and branch numbers.
U.K./E.U.
Get the account number and sort code to power seamless debit withdrawals using Faster Payments Service.
POWERED BY PLAID
Move faster on a
single platform
Payments
Get the biggest advantages of bank payments without the bad authentication experiences, returns, and settlement delays.
Learn moreFraud and compliance
Stop fraudsters earlier and faster with robust fraud detection tools designed to boost conversion and protect your bottom line.
Learn moreCUSTOMER STORIES
See how today’s leading
companies use Plaid
Robinhood unlocked $100 million in instant funding with Plaid
Affirm pioneered a new way to mitigate risk
Adyen accelerated pay by bank adoption
Chime increased customer engagement 5X in 12 months
Carvana enabled ACH payments for customers in seconds
Varo Bank helped customers re-connect their bank accounts
Instantly verify
any bank account, anywhere
Let’s get started
