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Product Features
Improve UX/conversion
Improve UX/conversion

Improve your user experience and conversion with Plaid’s range of SDKs and integration options, and by removing drop-off from manual bank transfers

Reduce costs
Reduce costs

Reduce hefty costs from cards and acquirers with fixed-fee Open Banking payments

Fight fraud
Fight fraud

Users authenticate directly with their bank via secure Open Banking integrations, eliminating card and direct debit chargebacks

Offer flexible payment types
Offer flexible payment types

Enable users to initiate one-time top ups, or schedule standing orders for recurring deposits (e.g., after they receive their paycheck)

Instant payments
Instant payments

Leverage U.K. Faster Payments rails for instant payments that settle to your account in seconds

Verify payment status
Verify payment status

Plaid’s settlement infrastructure makes reconciliation simple

Create payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "request_id": "4ciYVmesrySiUAB"
  }
  

Retrieve payment request data

The /payment/create endpoint allows you to create a payment initiation request

payment_id

The backend identifier of the payment request and can be used to retrieve metadata for the payment request

status

Describes whether the payment has been initiated, needs user input, or has been verified

Retrieve payment request data

The /payment/create endpoint allows you to create a payment initiation request

Create payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "request_id": "4ciYVmesrySiUAB"
  }
  

payment_id

The backend identifier of the payment request and can be used to retrieve metadata for the payment request

status

Describes whether the payment has been initiated, needs user input, or has been verified

Retrieve payment status data

The /payment/get endpoint allows you to retrieve the status of a payment and returns details such as the amount and recipient_id

amount

Settled value in specified currency

last_status_update

The last time that the payment status was updated

recipient_id

The unique identifier of the payment recipient, returned by the /payment_initiation/recipient/create endpoint

status

Describes whether the payment has been initiated, needs user input, or has been verified

Get payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "payment_token": "payment-token-sandbox-c6a26505-42b4-46fe-8ecf-bf9edcafbebb",
    "reference": "Account Funding 99744",
    "amount": {
      "currency": "GBP",
      "value": 100.00
    },
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "last_status_update": "2019-11-06T21:10:52Z",
    "payment_expiration_time": "2019-11-06T21:25:52Z",
    "recipient_id": "recipient-id-sandbox-9b6b4679-914b-445b-9450-efbdb80296f6",
    "request_id": "aEAQmewMzlVa1k6"
  }
  

Retrieve payment status data

The /payment/get endpoint allows you to retrieve the status of a payment and returns details such as the amount and recipient_id

Get payment response


  http code 200
  {
    "payment_id": "payment-id-sandbox-feca8a7a-5591-4aef-9297-f3062bb735d3",
    "payment_token": "payment-token-sandbox-c6a26505-42b4-46fe-8ecf-bf9edcafbebb",
    "reference": "Account Funding 99744",
    "amount": {
      "currency": "GBP",
      "value": 100.00
    },
    "status": "PAYMENT_STATUS_INPUT_NEEDED",
    "last_status_update": "2019-11-06T21:10:52Z",
    "payment_expiration_time": "2019-11-06T21:25:52Z",
    "recipient_id": "recipient-id-sandbox-9b6b4679-914b-445b-9450-efbdb80296f6",
    "request_id": "aEAQmewMzlVa1k6"
  }
  

amount

Settled value in specified currency

last_status_update

The last time that the payment status was updated

recipient_id

The unique identifier of the payment recipient, returned by the /payment_initiation/recipient/create endpoint

status

Describes whether the payment has been initiated, needs user input, or has been verified

USE CASES
Account funding
Account funding

An easy way for your customers to fund their accounts within your application’s flow

A streamlined way for your customers to make bill and invoice payments
Bill payments

A streamlined way for your customers to make bill and invoice payments

A safe, fast, and cost-effective payment method
Online payments

A safe, fast, and cost-effective payment method

Your customers can make recurring scheduled payments
Recurring payments

Your customers can make recurring scheduled payments