Pay By Bank

Paying too much for payments? We can fix that.

A better pay by bank experience is here—and it’s an average of 40% more cost effective than cards.

Talk to our team

Payment selection interface showing a total amount due of $110.23. The 'Pay by bank' option is selected, while 'Credit/Debit card' is unselected. Below the payment options, a 'Pay Now' button is displayed on a green background.

Easy as cards

Increase conversion with a 3-click payment experience powered by the Plaid Network.

Selection interface showing four flags in circular icons: the flag of the United States, Canada, the United Kingdom, and the European Union, arranged in a 2x2 grid on a green background.

Global coverage

Access global bank rails while preventing losses with real-time insights from Plaid’s risk engine.

A graphic with a green textured background. In the center, there's a white rectangular card displaying "40%" in large, bold text and "COST SAVINGS" in smaller, gray text below it.

Lower transaction fees

Reduce payment costs and lower your processing fees by an average of 40%.

Higher revenue, lower fees

Capture more revenue, offer easier payment experiences, and reduce fraudulent payments across every type of transaction with pay by bank.

Bill pay
Increase ACH adoption and reduce returns by making it easy for customers to set up online payments from their bank account.

Digital subscriptions
Earn more with autopay. Pay by Bank lets you automate recurring low-fee payments so that you can collect and retain more revenue.
E-commerce
Lower fees, reduce the chances of chargebacks and fraud, and reach the next wave of shoppers that prefer to pay with their bank account.

Payment method selection page for Carsurance, with steps in the checkout process shown at the top (Info, Payment method, Review, Confirm). The 'Pay by bank and save 3%' option is selected, displaying a grid of bank logos including Gingham Bank, Brocade, IKAT, Jacquard Credit Union, and more. An option to manually connect a bank or use Plaid is also available. A 'Credit/Debit card' payment option is unselected. On the right, payment details include the amount ($38.11 after discount), contract terms (annual renewal), and payment schedule (every 1st of the month). A 'Next' button is at the bottom.

Easy one-click checkout

Make payments as quick as a click. Get access to the largest network of recognized pay by bank users so you can offer the fastest payment experience every time.

Easy one-click checkout

Make payments as quick as a click. Get access to the largest network of recognized pay by bank users so you can offer the fastest payment experience every time.

1 in 3

U.S. adults with a bank account has used Plaid to connect to an app or service

23%

higher onboarding conversion in a head-to-head test against leading competitors

See pay by bank in action

Watch demo

Maximize ACH payment
success with bill pay

Our bill pay solution offers industry-leading conversion and return rate reduction, while enabling tens of billions in payments volume.

Maximize ACH payment
success with bill pay

Our bill pay solution offers industry-leading conversion and return rate reduction, while enabling tens of billions in payments volume.

Plaid’s innovative, industry-leading financial technology made this partnership a great fit. Our complementary offerings form an unparalleled pay by bank experience for businesses and end-consumers alike.