Stop payment failures
Plaid pulls account and routing numbers directly from the bank—no more typos.
Keep recurring payments
Easy linking, balance checks, and recovery tools keep bill payments on schedule with less churn.
Boost customer conversion
With coverage across 95% of U.S. banks, more customers know Plaid and complete sign-up.
We needed a partner with the broadest and most trusted network for financial services in the U.S. Plaid has that.
Trevor Nies
SVP & Global Head of Strategy
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Effortless account linking
No delays or drop-offs. Plaid makes it easy for customers to connect their accounts instantly—so every connection has a chance to become a paying customer.
Instant login or fallback Biometrics, credentials, and manual entry are all validated in real time.
Status checked instantly. Accounts are confirmed open and active before bill payments begin.
One-click for returning users. Remembered customers can link instantly without re-entering details.
Instant account verification cuts ACH return rates by up to 40%
Link a bank account in an average of 7 seconds
Pay by bank reduces payment costs by an average of 40%
Network-powered protection
Plaid analyzes 1,000+ data points—from account history, network activity, and balance checks—to stop fraud, flag risky bill payments, and protect your recurring revenue.
We know that fraudsters are looking for the easiest way to make a buck, and they hit a significant roadblock with Plaid.
Mani Fazeli
Senior Vice President of Product
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Keep autopay on track
Catch low balances or closed accounts early to keep autopay steady.
Retry at the best time
Retry payments when funds are available with real-time insights to reduce failures.
Settle risky payments faster
Re-route through Same Day ACH or Request for Payment (RfP) to keep bill payments on track.
Known and trusted by millions
Plaid makes ACH feel familiar, trusted, and as fast as cards—so customers actually choose it as their billing method.
Account verification
Verify accounts instantly with login, manual entry, or microdeposits for smooth onboarding.
Start verifying accounts
Risk management
Lower ACH returns and fraud with real-time account checks and predictive risk modeling.
Start reducing risk
Bank payments
Offer secure ACH payments that can reduce costs compared with cards.
Start moving money
CUSTOMER STORIES
See who’s powering payments with Plaid
- Why Adyen chose Plaid to bring pay by bank to North America
Read the Q&A - How Carvana and Plaid brought instant payments to car buying
Read the story - How Alto turned $20K in monthly savings into better patient care
Read the story - How Domuso cut unrecovered rent payments by 40%
Read the story