Customers using this solution
The problem

Receiving payments via direct bank transfer is significantly less expensive than using credit cards, but getting users signed in and authenticated is a cumbersome process.

The solution

Plaid makes it faster and easier to set up bank payments through a flow designed with the user experience and security in mind. Users enter their online credentials and Plaid instantly authenticates their account. Plus, in the US, Plaid works with any ACH processor (including Stripe and Dwolla) to simplify bank-to-bank payments.

Plaid enabled Shift to offer a fully integrated online purchasing experience. The financial aspects of the process are much more seamless.
James Wu, Software Engineer at ShiftSee the full case study
PRODUCTS AND BENEFITS
Get account and routing numbers

Auth pulls users' account and routing information 

, which can be used to enable seamless payments and transfers in the US and Canada, and debit withdrawals in Europe

Lower risk and reduce fraud

Identity confirms users' identities with what's on file at the bank—in other words, their name, phone number, address, and email

Reduce NSF fees and overdrafts

Balance instantly checks whether users have the funds to make a payment or transfer (US and Canada)

How it works

Integrate with Plaid

It takes just a few lines of code to drop our front-end module into your app or digital service. Your users will be prompted to connect their bank account, which will launch the Plaid module.

How it works

Customize for conversion

Customize the module to fit your brand or user preferences, including which financial institutions show up first.

On average, it takes users 11.5 seconds to open the module, find their bank, and input their bank username and password to connect their accounts.

How it works

Get user-permissioned financial account data

Once a user has gone through the flow, we do the work and return a range of relevant account data depending on what fits your needs.

Questions about how Plaid can fit into your business?

Our Sales team can help you find the right solution. Fill out the form and we’ll get in touch shortly.

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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.