Simplifying ACH

Businesses have a lot to consider when implementing bank-to-bank transfers (ACH) in a checkout flow or for loan disbursements and servicing. First, they must choose between using a processor or building a solution in house in conjunction with a sponsoring bank. Then comes the rest, from building transaction decisioning logic and managing risk to creating an optimized user experience and handling operations. 


Transfer is an all-in-one solution for businesses looking for a seamless way to manage bank payments. It simplifies ACH and gets you up and running quickly and easily–all while minimizing development costs and simplifying ongoing management.

Product Features
Quick and seamless onboarding
Quick and seamless onboarding

Get approved to initiate ACH transactions quickly and avoid a lengthy compliance process. Our simple online process takes as little as 6 business days.

Easy integration with a single API
Easy integration with a single API

Avoid the need for multiple service providers. Connect user accounts, make smarter transaction decisions, manage risk, and move money—all through a single Plaid integration.

Authorization engine to reduce risk
Authorization engine to reduce risk

Reduce operational headaches—as well as overdraft fees for your users—by initiating only the transactions approved by our risk engine.

Drop-in UX
Drop-in UX

Authenticate users, collect payment information, and initiate payments in line with Nacha standards. Optimized for conversion, it’s specifically designed for ACH and can be used on any platform.

Fast settlement, simplified reconciliation
Fast settlement, simplified reconciliation

Sweep transaction funds into your treasury account more quickly—meaning no more 7-day holds—and balance your books with an intuitive reconciliation report.

Streamlined operational support
Streamlined operational support

Manage daily operations with reporting, convenient dashboards to easily view activity and provide user support, as well as clear status and error messages for improved troubleshooting.

Powered by Plaid’s technology and consumer - permissioned data

Transfer’s authorization engine is powered by unique insights based on Plaid’s technology. This includes Plaid Balance, which provides real-time transactions analysis of ACH returns to reduce things like NSF, powered by the Plaid Network. The authorization engine will help you determine if a transaction should be initiated, thereby helping avoid delays and overdraft fees, and enable faster settlement of funds with minimal holds.

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Fast, developer-friendly integration

Once approved, set up a fully functional ACH program in as little as 24 hours. Initiate ACH payments, manage risk, monitor cash flow, and seamlessly manage daily operations—all through a single integration with Plaid.

Fast, developer-friendly integration

Intuitive UX to enable fast bank transfers

Transfer’s drop-in UX, combined with Plaid Link, enables customers to connect their chosen financial account in as little as 7 seconds and seamlessly initiate a payment.

Intuitive UX to enable fast bank transfers

Developer and back office friendly

You can use Transfer to build a smooth account-to-account transfer experience, all delivered via Plaid Link. Transfer also comes with a dashboard and flexible APIs to provide back offices with the tools to manage transactions and transaction information.

The Bank Transfers dashboard provides back offices with the tools to manage transactions and export transaction information.

Getting started with ACH and interested in joining the Transfer Beta?

Transfer (US only) is currently in beta with limited availability. You can express interest in joining the Beta Program via this form. Please note that submission does not guarantee access to Transfer, which is contingent upon satisfying certain eligibility requirements. A member of the Plaid team will review your information and contact you if they determine that you are eligible for the Beta Program. Thank you for your interest.

Bank Transfers (US only) is currently in beta, but you can express interest in receiving a program invitation through this form. Please note that form submission does not guarantee access to the product, which is contingent upon satisfying certain eligibility criteria. A member of the Plaid team will review your information and determine if the product is a good fit.