Building the connections that make ACH easier
Plaid is an intelligent data layer that simplifies ACH authentication. With Plaid, end users can quickly and easily connect their bank accounts to facilitate payments. Plaid instantly verifies account ownership and checks balances in real-time to improve the ACH process from end-to-end.
Apps and services:
Use Plaid to authenticate accounts for ACH
Set up bank payments quickly and easily with Plaid
Hold accounts that users connect to pay via ACH
Easier for users— and your team
Plaid builds connections to banks so you can focus on your users
Plaid’s drop-in widget works within your application. Users simply enter their online bank credentials, and Plaid returns tokenized account and routing numbers and other data to authenticate the account.
Here’s why it’s better
Plaid makes it faster and easier to set up ACH payments through a flow designed with user experience and security in mind. Users simply enter online credentials, and Plaid instantly authenticates the account—no microdeposits required.
Set up ACH payments with the info users know in their heads—no hunting for checkbooks or waiting around for microdeposits to post
Users overwhelmingly prefer Plaid’s credential-based login instead of traditional account and routing linkage and microdeposits
Better balance visibility
Instantly check a user’s balance to time transactions and avoid NSF fees and overdrafts. Plus, make it easier to pre-fund accounts
Plaid works with any ACH processor, and we also have a partnership with Stripe
Plaid has partnered with ACH processor Stripe to create the world’s first fully tokenized ACH to simplify bank-to-bank payments for everyone. With a simple integration using our suite of APIs, customers can authenticate accounts and move money over ACH without credentials or sensitive information ever hitting their servers.
Plaid lets you know when it’s safe to transfer and warns you if there are insufficient funds
NSF fees are hard on businesses and annoying for users. But according to Plaid partner studies, 85% of fees can be prevented by checking balances in real-time with Plaid—before it’s time to transfer funds—giving key insight into when to initiate ACH payments.
Discover the product that makes this prediction possibleLearn more
Plaid helps charity: water power monthly donations
Credit card fees can add up—especially for nonprofits, where every dollar counts. That’s why charity: water uses Plaid. Plaid makes it easier for people to link their bank accounts for recurring ACH donations.