The problem

Sending payments via direct bank transfer typically requires your users to switch between your application and their bank’s, manually enter account information, and in some cases, pay additional fees.

The solution

Plaid makes it easier for your users to initiate payments within your application’s flow. These in-app payments allow your users to fund their accounts, make online payments, and pay bills in a seamless and secure manner, and at a low cost.

Initiate payments for account funding, online payments, and bill pay

Payment Initiation enables your users to make real-time payments without having to leave your app

Verify identities to reduce fraud

Identity confirms users' name with what's on file at the bank

How it works

Initiate a payment

Customer confirms the amount and payee information that has been pre-populated by you.

How it works

Select a bank

Your customer selects the bank from which to initiate the payment. Plaid supports most banks and neobanks in the UK.

How it works

Authenticate bank account

Your customer authenticates their account via automatic app-to-app redirects using Open Banking APIs to complete the payment. Funds are instantly pushed to the recipient account.

How it works

Confirm payment transfer

With the customer’s explicit consent, Plaid returns the status of the payment, and your customer seamlessly returns to your application. You can always check a payment status in the developer dashboard.

Questions about how Plaid can fit into your business?

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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.