### Money moves on the fastest rail

Plaid automatically routes payouts over the fastest eligible rail—ACH, RTP, or FedNow—so money lands quickly and reliably.

### Payouts succeed the first time

Instant account verification reduces errors and drop-offs so payouts run smoothly from day one.

### Issues get caught early

Mistakes in account info are caught early during account verification, before they turn into failed payouts or manual reviews.

"Plaid’s API gave us what we needed: speed, compliance, and a seamless user experience.”

### 89% fewer failures

compared to debit cards  
[Read the story](https://plaid.com/customer-stories/homebase/)

### Keep payouts moving

Plaid helps your team send money quickly and keep people informed without adding extra work.

- Get customers payout-ready in seconds. A familiar, streamlined flow verifies bank details instantly so payouts can start right away.
- Automatically move payouts on the fastest rail. Plaid picks the fastest eligible rail automatically so payouts move fast even on weekends and holidays.
- See payout status in real time. Live updates show the moment money moves, reducing uncertainty and “where’s my payout?” questions.

### Fewer steps mean faster, more predictable payouts

Plaid removes unnecessary friction by autofilling bank details, reducing manual entry errors, and streamlining verification so instant payouts actually feel instant.

### Pay out with confidence

Plaid uses real-time data to deliver fraud risk signals that help you spot suspicious activity and reduce losses.

- See fraud risk indicators earlier. Use device, network, and behavior-based risk indicators to make more informed payout decisions.
- Verify account ownership with bank details. Check name, address, phone, and email directly from the bank to verify ownership before money is sent.
- Automate KYC and risk checks. Put KYC and AML checks on autopilot so your team spends less time reviewing accounts by hand.

## customer stories

### How teams deliver better payouts with Plaid

- **Carvana sped up payouts for high-risk customers**  
  [Read the story](https://plaid.com/customer-stories/carvana/)
  
- **How Wave made ACH feel more predictable**  
  [Read the story](https://plaid.com/customer-stories/wave/)
  
- **The shift that made Robinhood’s funding feel instant**  
  [Read the story](https://plaid.com/customer-stories/robinhood/)
  
- **How Homebase gave workers faster access to earned wages**  
  [Read the story](https://plaid.com/customer-stories/homebase/)

### Layer

Let return users share their identity info to connect saved accounts faster.  
[Onboard users faster](https://plaid.com/layer/)

### Auth

Instantly confirm a user’s bank account details so they can get paid right away.  
[Verify bank account details](https://plaid.com/products/auth/)

### Identity

Use bank-verified personal info to confirm the right person owns the account.  
[Verify account ownership](https://plaid.com/products/identity/)

### Identity Verification

Verify identities with documents and liveness checks for added assurance.  
[Verify user identities](https://plaid.com/products/identity-verification/)

### Transfer

Send money over the fastest eligible rail with real-time checks built in.  
[Send payouts over the fastest rail](https://plaid.com/products/transfer/)

## Your questions, answered

### What are outbound payments and how do they work?

Outbound payments are payments a business sends out to customers, partners, or vendors. Outbound payments move over rails like ACH, RTP, FedNow, or wires.

### What’s the difference between inbound and outbound payments?

Inbound and outbound payments differ in direction: inbound payments come into your business, while outbound payments go out to customers or partners.

### What is RTP and how does it support instant payouts?

RTP supports instant payouts by clearing and settling money in seconds when both banks support the Real-Time Payments rail.

### What’s the difference between wires, RTP, and FedNow for payouts?

The difference between wires, RTP, and FedNow is mainly speed and cost: wires are broad but costly, while RTP and FedNow settle instantly when available.

### How can businesses reduce payout processing fees?

Businesses can reduce payout processing fees by shifting payouts from cards to lower-cost bank rails like ACH, RTP, or FedNow.

### How does identity verification prevent payout fraud?

Identity verification prevents payout fraud by confirming the recipient and ensuring the payout goes to the correct bank account.

### What risk checks are required before sending a payout?

Risk checks before sending a payout often include confirming account ownership, checking balances, reviewing device signals, and screening for sanctions.

### Why do businesses choose Plaid for bank payouts?

Businesses choose Plaid for bank payouts because Plaid offers fast bank linking, built-in identity and fraud checks, and multi-rail payout support.

## Deliver payouts your customers can count on

### Let’s get started

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