Transfer is the all-in-one solution for your business to make bank-linked transfers and payments simple. Through a single API, you can authorize customers securely, analyze risk, and move money.
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.
Authenticate users, collect payment information, and initiate payments in one UX. Optimized for conversion and designed for payments on any platform.
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.
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.
Manage daily operations and reporting with convenient dashboards. View activity and provide user support with clear transaction status and error messages for improved onboarding.
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.
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.
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.
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.
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.
