Pay-by-bank acceptance product letting businesses take account-to-account payments through branded checkout, SDK, API, or payment link.
Pay is Aeropay's merchant-side account-to-account acceptance offering. Customers link a bank account once and check out in a click on return visits, without entering card or account numbers. Transactions route across instant request-for-payment rails, reputation-scored fast paths, guaranteed settlement that covers ACH returns, or same-day ACH.
Developers embed the flow white-label through configurable APIs, a prebuilt pay-by-bank button SDK, or secure payment links for one-time, payout, and subscription transactions, with webhooks streaming every payment event. The offering targets lower processing cost than cards, fewer returns, no chargebacks, and stronger checkout conversion.
GoCardless
GoCardless Pay by Bank
gocardless.com
Plaid
Plaid Pay by Bank
plaid.com
Stripe
Stripe ACH Direct Debit
stripe.com
| Attribute | Pay | GoCardless Pay by Bank | Plaid Pay by Bank | Stripe ACH Direct Debit | |
|---|---|---|---|---|---|
| Provider | | | | | |
| Founded | 2017 | 2011 | 2013 | 2010 | |
| Sells To | — | Enterprise, Small Business | Enterprises | Enterprises, SMB | |
| Pricing Model | — | Recurring, Transactional | Subscription | Recurring, Transactional, Usage-based | |
| Ownership | Venture-backed | Equity, Venture-backed | Private | Private equity-backed, Venture-backed |
Provider
Founded 2017
Sells To —
Pricing Model —
Ownership Venture-backed
Provider
Founded 2011
Sells To Enterprise, Small Business
Pricing Model Recurring, Transactional
Ownership Equity, Venture-backed
Provider
Founded 2013
Sells To Enterprises
Pricing Model Subscription
Ownership Private
Provider
Founded 2010
Sells To Enterprises, SMB
Pricing Model Recurring, Transactional, Usage-based
Ownership Private equity-backed, Venture-backed
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Philippine payment API for cards, e-wallets, bank transfers, and subscriptions.
Enables businesses to accept payments globally in over 30 currencies through APIs, hosted checkout, and in-person POS.
Enables agents to pay in a single simple tool call while Natural handles the rest of the complexity.
The Payments API Platform gives developers Flutterwave's payments APIs, SDKs, and sandbox.
Enterprise payment-orchestration platform that connects merchants to multiple PSPs and payment methods through one API.
Online Checkout is Flutterwave's hosted and embedded checkout for enterprise online merchants.
API-first payment operations platform for bank money movement, ledgering, and reconciliation.
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