Pay-by-bank service letting US businesses accept direct account-to-account bank payments at checkout with guaranteed settlement.
Plaid Pay by Bank is Plaid's account-to-account acceptance service for US businesses. Customers pay directly from their bank accounts inside a merchant's checkout, bypassing card networks and their interchange costs.
The service builds on Plaid's open-banking connectivity, letting merchants authorize payments, verify accounts, and manage settlement through one integration. It targets lower processing costs, fewer failed payments, and instant bank-verified onboarding for merchants moving volume off cards.
| Attribute | Plaid Pay by Bank | Pay | |
|---|---|---|---|
| Provider | |  | |
| Founded | 2013 | 2017 | |
| Sells To | Enterprises | — | |
| Pricing Model | Subscription | — | |
| Ownership | Private | Venture-backed |
Provider
Founded 2013
Sells To Enterprises
Pricing Model Subscription
Ownership Private
Provider
Founded 2017
Sells To —
Pricing Model —
Ownership Venture-backed
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