Win more customers
with more ways to pay

Boost revenue and simplify your workflow,
all in one place.

Contact usGet API keys

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Launch in days

With Plaid’s powerful API, you can get up and running in days–not months.

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Drive revenue

Increase the lifetime value of customers with a complete multi-rail solution.

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Maximize performance

Reconcile payments in a flash through APIs or with our easy-to-use dashboard.

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Make more with less

Say goodbye to pesky fees. With Plaid Transfer, you can optimize for revenue at every stage of the user journey. Plus, when compared to the nearest competitor, Plaid offers a 23% higher conversion rate.

  • Connect user accounts in seconds with Plaid Link

  • Verify account and routing numbers instantly

  • Reduce NSF and return risk with a built-in Risk Engine

  • Transfer money between accounts, safely and quickly

Make more with less

Say goodbye to pesky fees. With Plaid Transfer, you can optimize for revenue at every stage of the user journey. Plus, when compared to the nearest competitor, Plaid offers a 23% higher conversion rate.

  • Connect user accounts in seconds with Plaid Link

  • Verify account and routing numbers instantly

  • Reduce NSF and return risk with a built-in Risk Engine

  • Transfer money between accounts, safely and quickly

Pink background with an iphone on top. The iphone displays a balance of $295.10. Beneath that is says "transfer"
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Get a 360° view of payments

Gain deeper insights into each payment with the latest reports, real-time analytics, and optimal support functionality. So you can optimize for performance and stay one step ahead of operations.

  • Account information

    Manage industries, use cases, and SEC codes you're approved for.

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  • Track your return rate to ensure uninterrupted access to ACH network.

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  • Get full visibility into transaction stages, settlement locations, and returns.

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  • Issue and track full refunds to customers for goods or services.

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A mobile phone connected to a personal checking bank account through ACH, real-time payments, or FedNow

Simple to configure.
Like really simple.

Supercharge your financial offering with a multi-rail solution that’s as flexible as it is powerful. From ACH to Real-Time Payments to FedNow, build the solution that’s right for you and reach more customers with the click of a button.

Simple to configure.
Like really simple.

Supercharge your financial offering with a multi-rail solution that’s as flexible as it is powerful. From ACH to Real-Time Payments to FedNow, build the solution that’s right for you and reach more customers with the click of a button.

A mobile phone connected to a personal checking bank account through ACH, real-time payments, or FedNow
View of a JSON response highlighting decision approved and decision rationale

Build fast with simple
and powerful APIs

Our easy-to-use tools, from the latest webhooks to versioned API changes, are engineered to help you ship more quickly. Without all the upkeep.

  • /transfer/authorization/create

    This API helps assess failure risk of a transfer before submitting it.

    View of a JSON response highlighting decision approved and decision rationale
  • This API submits a transfer for processing after getting approval from Plaid.

    JSON code highlight various different object keys and values
  • This API retrieves status updates for a transfer from Plaid after submission.

    JSON payload highlighting "insufficient funds"
  • This API retrieves information about payouts from Plaid to your business checking account.

    JSON code highlighting settlement status
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Ready to get started?

Get the API keys and start building today or talk with an expert to find out what solution is right for you.

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If you have questions about connecting your financial accounts to a Plaid-powered app, visit our Consumer Help Center for more information.

For developers and existing Plaid customers, please open a case through the Plaid Dashboard.