Product Features
A single integration

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.

Conversion Optimization

Authenticate users, collect payment information, and initiate payments in one UX. Optimized for conversion and designed for payments on any platform.

Advanced risk mitigation

No need to build your own decision logic. Our risk engine screens transactions to reduce operational headaches—as well as overdraft fees for your users.

Multi-rail solution with ACH and RTP®

Move funds in and out of external bank accounts with standard and same-day ACH. Differentiate your business with Instant Payouts on the RTP® Network.

Operational excellence

Manage daily operations and reporting with convenient dashboards. View activity and provide user support with clear transaction status and error messages for improved onboarding.

Platform Payments

Easy way to integrate payments into your platform or marketplace. It's customizable to help accept payments and distribute payouts between different parties on your platform. 

Introducing Instant Payouts

People want to be able to receive their money quickly and easily, without having to wait days for their money. At Plaid, we believe that you should be able to access your money when and where you need it.

This is why we built Instant Payouts – a real-time, multi-rail payout solution to send funds 24/7.

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.

Fast, developer-friendly integration

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

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 avoid delays and overdraft fees, enabling faster settlement of funds.

Ready to modernize your bank-linked transfers and payments program?

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 Program. Thank you for your interest.

By submitting this form, I confirm that I have read and understood Plaid’s Privacy Statement.

This form goes to our sales team. If you have questions about connecting your financial accounts to a Plaid-powered app, visit our consumer help center for more information.

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.