### 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  
>  [Read the story](https://plaid.com/customer-stories/adyen/)

### 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  
>  [Read the story](https://plaid.com/customer-stories/wave/)

### 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](https://plaid.com/products/auth/)

### Risk management

Lower ACH returns and fraud with real-time account checks and predictive risk modeling.  
[Start reducing risk](https://plaid.com/products/signal/)

### Bank payments

Offer secure ACH payments that can reduce costs compared with cards.  
[Start moving money](https://plaid.com/products/transfer/)

## 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](https://plaid.com/customer-stories/adyen/)
- **How Carvana and Plaid brought instant payments to car buying**  
  [Read the story](https://plaid.com/customer-stories/carvana/)
- **How Alto turned $20K in monthly savings into better patient care**  
  [Read the story](https://plaid.com/customer-stories/alto/)
- **How Domuso cut unrecovered rent payments by 40%**  
  [Read the story](https://plaid.com/customer-stories/domuso/)

## Turn billing into a growth engine

### We’ll help you choose the tools that fit