Auth Payment Partners
Find payment providers who have partnered with Plaid to provide general purpose ACH money movement
Overview
Many Plaid developers choose to use a Plaid partner to move money with Auth. You will use Plaid Link initialized with the Auth product, but instead of using Plaid Auth endpoints, you will use endpoints from the payment platform, giving you access to payment functionality while freeing you from having to securely store sensitive bank account information.
The following is a list of payments platforms who have partnered with Plaid to provide ACH money movement via a special processor token, along with instructions on how to enable those integrations.
| Partner | Description |
|---|---|
| Dwolla | Instantly authenticate your customers' bank accounts for use with Dwolla's ACH API |
| Square | Instantly authenticate your customers' bank accounts for use with the Square Web Payments SDK |
| ACHQ | Instantly authenticate your customers' bank accounts for use with ACHQ's ACH API |
| Adyen | Validate bank accounts and reduce returns through an end-to-end pay-with-your-bank solution with Adyen |
| Alloy | Instantly authenticate your customers’ bank accounts with Alloy’s API and third-party data sources |
| Alpaca | Use Alpaca with Plaid Auth to send and receive payments |
| Apex Fintech Solutions | Instantly authenticate your investors’ bank accounts for use with Apex Fintech Solutions Cash API |
| Astra | Instantly authenticate your customer’s bank accounts for automated ACH transfers through the Astra platform |
| Atomic | Instantly authenticate your customers' bank accounts to seamlessly fund investment accounts |
| Bakkt | Instantly authenticate your customer’s accounts to use with Bakkt Fiat Services API for ACH based money movement |
| Bond | Instantly authenticate your customers’ bank accounts for use with Bond’s ACH Transfers API |
| Check | Check lets you embed payroll in your product and easily configure and authenticate direct deposit payments |
| Checkbook | Instantly authenticate your customers’ bank accounts for use with Checkbook’s payment solution -- including ACH, real-time payments, push to card, virtual cards, and checks |
| Checkout.com | Instantly authenticate bank account details for use with Checkout.com’s Unified Payments API, and unlock unrivaled payment performance |
| Circle | Circle helps you accept payments that settle in digital dollar stablecoins - the next generation money tech stack |
| DriveWealth | Enable your customers to instantly and securely fund DriveWealth supported investment accounts by linking their bank account with Plaid |
| Finix | Instantly add customer bank accounts to Finix to accept and send payments with tokenized payment information. It’s fast, frictionless, and secure. |
| Fortress Trust | Instantly allow end customers to connect, verify and authorize funding to their Fortress Trust account from their external bank accounts |
| Galileo | Instantly authenticate your customers' bank accounts for account opening and funding |
| Gusto | Build payroll with Gusto, then use Plaid Auth to instantly connect your customers’ bank accounts and run payroll faster |
| Highnote | Instantly authenticate your customer’s bank accounts for use with the Highnote Platform to store account details, transfer funds, and make payments |
| Lithic | Instant bank authentication for ACH payments and card loads |
| Marqeta | Integrate Plaid and Marqeta’s APIs to seamlessly authenticate your customer’s bank account prior to an ACH transfer |
| Modern Treasury | Instantly authenticate your customers' bank accounts for use with Modern Treasury's ACH API |
| Moov | Instantly authenticate your customers’ bank accounts to enable them to accept, store, and disburse funds with Moov |
| Riskified | Provide fraud screening and ACH payment guarantee |
| Rize | Use Plaid to instantly verify and connect your customers’ external bank accounts for use within the Rize Platform |
| Sardine | Protect your users by using Sardine’s all-in-one fraud and compliance API |
| Sila Money | Banking, Digital Wallets, and ACH Payments API for software teams |
| Silicon Valley Bank | Instantly authenticate your customers' bank accounts for use with Silicon Valley Bank's ACH API |
| Solid | Instantly authenticate external bank accounts for use with the Solid Platform |
| Stripe | Instantly authenticate your customers' bank accounts for use with Stripe's ACH API |
| TabaPay | Instantly process ACH/RTP/FedNow with TabaPay’s Unified API using your Plaid Token |
| Teal | Teal allows SMB vertical SaaS and neobanks to build and offer their own branded accounting suite to their SMB customers |
| Treasury Prime | Send payments and create counterparties with the Treasury Prime API |
| Unit | Instantly authenticate counterparties’ bank accounts for use with the Unit API |
| Vesta | Streamline ACH onboarding flows and eliminate losses through Vesta’s payment guarantee for every approved transaction |
| VoPay | Eliminate inefficiencies of US and Canadian online bank account payments with VoPay’s EFT / ACH and Plaid |
For more information, see the full list of partners in the Plaid Dashboard.
Global payments options
Money movement via Plaid partners is only available for financial institutions within the US (with multiple providers above) and Canada (with VoPay). In Europe, Payment Initiation provides an easy and secure way to transfer funds.
Example code in Plaid Pattern
For a real-life example of an app that incorporates the creation of processor tokens, see the Node-based Plaid Pattern Account Funding sample app. Pattern Account Funding is a sample account funding app that creates a processor token to send to your payment partner. The processor token creation code can be found in items.js.
For a tutorial walkthrough of creating a similar app, see Account funding tutorial.