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Instant onboarding that doesn’t compromise on security

Help trusted sellers get started quickly and catch fraud from signup to payout.

Smarter lending that fuels growth

Use real-time cash flow data to scale capital programs without taking on more risk.

Quick payments and instant payouts

Give buyers an easy, card-free way to pay and give sellers access to earnings right away.

Get merchants started quickly while keeping bad actors out

Create a frictionless onboarding experience that’s fast for sellers and safe for you—checking identity details and confirming bank account ownership in one flow.

  • Link a business or personal account in as little as 7 seconds
  • Remove manual data entry to reduce failed first payouts
  • Confirm identity and bank ownership instantly—no documents required

As sellers become active, spot early signs of account takeover and payout fraud with insights from 1B+ verified connections.

7 seconds

as little as to link a bank account

Up to 25% lift

in conversion thanks to faster onboarding

40% reduction

in average payment cost with pay by bank

Grow revenue with smarter embedded lending

Go beyond sales metrics with real-time cash flow insights that show a seller’s financial health—so you can lend confidently and grow responsibly.

  • See up to 24 months of transaction history pulled directly from linked accounts
  • Access balances, inflows, and repayment capacity instantly

Power every payment, from checkout to payout

Plaid keeps funds flowing safely in every direction—from buyers paying in to sellers getting paid out.

Lower your costs with pay by bank

Give buyers a simple, secure pay by bank option that cuts costs by up to 40% and reduces return risk before funds move.

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Payouts in seconds, not days

Send instant or same-day payouts through ACH, RTP, or FedNow so sellers get paid faster and stay loyal.

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Boost platform revenue with embedded bank payments

Turn payments into a revenue stream with faster onboarding, flexible money movement, and real-time tracking built for scale.

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“Our work with Plaid unlocks a faster, more seamless checkout experience by enabling real-time payments at a critical step in the process.”
Matt Dundas
Vice president of finance, carvana

CUSTOMER STORIES

See how other platforms build loyalty with Plaid

Your questions, answered

Reach out if we missed yours.

How can we onboard sellers quickly without increasing fraud or compliance risk?

Onboarding sellers quickly without increasing fraud or compliance risk requires real-time verification of identity, business legitimacy, and bank account ownership, a process Plaid can streamline through direct data connections.

How do we verify a seller’s bank account to prevent payout failures?

Verifying a seller’s bank account to prevent payout failures involves confirming account ownership and validity directly with the financial institution, which Plaid enables through secure, real-time account verification.

How can platforms offer instant or same-day payouts to sellers?

Platforms offer instant or same-day payouts to sellers by confirming account ownership and rail eligibility in real time and routing funds over fast payment rails like ACH, RTP, or FedNow—capabilities Plaid supports through eligibility checks and reliable routing.

What data supports embedded lending or capital programs for sellers?

Embedded lending or capital programs rely on real-time cash-flow, balance, and transaction data to assess financial health, and Plaid supplies this information directly from connected bank accounts.