Connect to your users’ financial accounts

Stripe Financial Connections lets your users securely share their financial data so you can streamline payments, reduce fraud, underwrite risk, build new products, and more. Integrate once to retrieve financial data and use it to move money or build financial products through Stripe's interoperable APIs.

How it works

The easiest way to link financial accounts

Let your users connect their financial accounts in seconds to improve payments and product experiences.

Authenticate users through our prebuilt flow

Embed our authentication flow into your mobile app or website, or easily add it to our payment UIs in the Dashboard. Authenticate accounts and maximize conversion with a streamlined user experience.

Add our hosted auth flow using Stripe.js or our mobile SDKs for Android and iOS.

https://connect.secure.wellsfargo.com/auth/login/present?app_descr
Username janediaz
Password
Sign On
Cancel

Connect instantly to over 90% of US bank accounts

Instantly verify bank accounts and retrieve permissioned data from a broad set of 5,000 financial institutions. Fall back to our hosted microdeposit flow for any other US financial institution.

Northwest Bank
Ally Bank
Redstone FCU
Bank of the West
First United Bank
Boeing Employee Credit Union
Fifth Third Bank
Santander Bank
TwinStar Credit Union
Academy Bank
US Bank
Spokane Teachers Credit Union
Discover Bank
Capital One
Baxter Credit Union
CoVantage CU
First National Bank
Suncoast Credit Union
Robins Financial Credit Union
Community Bank NA
Northwest Bank
Ally Bank
Redstone FCU
Bank of the West
First United Bank
Boeing Employee Credit Union
Fifth Third Bank
Santander Bank
TwinStar Credit Union
Academy Bank
US Bank
Spokane Teachers Credit Union
Discover Bank
Capital One
Baxter Credit Union
CoVantage CU
First National Bank
Suncoast Credit Union
Robins Financial Credit Union
Community Bank NA
Schools First Federal Credit Union
Centennial Bank
Chase
University FCU
America First Credit Union
Silicon Valley Bank
PNC Bank
Utah Community Credit Union
TD Bank
Teachers Credit Union
IBERIABANK
Woodforest National Bank
Golden 1 Credit Union
First Commonwealth Bank
Citadel Federal Credit Union
Grow Financial FCU
Comerica Bank
American Savings Bank
Keesler FCU
Police and Fire FCU
Schools First Federal Credit Union
Centennial Bank
Chase
University FCU
America First Credit Union
Silicon Valley Bank
PNC Bank
Utah Community Credit Union
TD Bank
Teachers Credit Union
IBERIABANK
Woodforest National Bank
Golden 1 Credit Union
First Commonwealth Bank
Citadel Federal Credit Union
Grow Financial FCU
Comerica Bank
American Savings Bank
Keesler FCU
Police and Fire FCU
M&T Bank
Bank of Hawaii
Patelco Credit Union
Webster Bank
Redwood Credit Union
Eastman Credit Union
Alpine Bank
Empower Federal Credit Union
First Interstate Bank
Liberty Bank
VyStar Credit Union
Simmons Bank
First Hawaiian Bank
Educators Credit Union
Mercury Bank
Gate City Bank
Veridian CU
Zions Bank
Glacier Bank
Michigan State University FCU
M&T Bank
Bank of Hawaii
Patelco Credit Union
Webster Bank
Redwood Credit Union
Eastman Credit Union
Alpine Bank
Empower Federal Credit Union
First Interstate Bank
Liberty Bank
VyStar Credit Union
Simmons Bank
First Hawaiian Bank
Educators Credit Union
Mercury Bank
Gate City Bank
Veridian CU
Zions Bank
Glacier Bank
Michigan State University FCU
Bank of America
Banco Popular
Bethpage FCU
Hills Bank and Trust Company
Mountain America Credit Union
Prosperity Bank
City National Bank of West Virginia
Navy Federal Credit Union
Fidelity Investments
Old National Bank
First Tech Federal Credit Union
Marcus by Goldman Sachs
Horizon Bank
State Employees Credit Union
Coastal Federal Credit Union
Banner Bank
South State Bank
Randolph Brooks FCU
Fairwinds Credit Union
IBC Bank
Bank of America
Banco Popular
Bethpage FCU
Hills Bank and Trust Company
Mountain America Credit Union
Prosperity Bank
City National Bank of West Virginia
Navy Federal Credit Union
Fidelity Investments
Old National Bank
First Tech Federal Credit Union
Marcus by Goldman Sachs
Horizon Bank
State Employees Credit Union
Coastal Federal Credit Union
Banner Bank
South State Bank
Randolph Brooks FCU
Fairwinds Credit Union
IBC Bank
USAA Bank
Truliant Federal Credit Union
Union Bank
Wings Financial Federal Credit Union
Regions Bank
OnPoint Community Credit Union
Citizens Bank
Lake Michigan Credit Union
Wells Fargo
Huntington Bank
ESL Federal Credit Union
Key Bank
Arvest Bank
GreenState Credit Union
Logix FCU
Chime
Frost National Bank
Bellco Credit Union
Pinnacle Financial Partners
BB&T Bank
USAA Bank
Truliant Federal Credit Union
Union Bank
Wings Financial Federal Credit Union
Regions Bank
OnPoint Community Credit Union
Citizens Bank
Lake Michigan Credit Union
Wells Fargo
Huntington Bank
ESL Federal Credit Union
Key Bank
Arvest Bank
GreenState Credit Union
Logix FCU
Chime
Frost National Bank
Bellco Credit Union
Pinnacle Financial Partners
BB&T Bank

Get access to the data your users have shared with a few lines of code

Reduce development time by using a single Stripe integration to connect to users’ accounts and power common processes, such as onboarding and payments.

{ id: "fca_zbyrdjTrwcYZJZc6WBs6GPid", object: "financial_connections.account", accountholder: { customer: "cus_1JAIzfJIR74v5t0MW8ioa9T8", type: "customer" }, created: 1618725600, display_name: "Basic Checking", institution_name: "GPTN Bank", last4: "6789", livemode: true, status: "active", category: "cash", subcategory: "checking", supported_payment_method_types: [ "us_bank_account", ], permissions: ["payment_method"] }
{ id: "fca_abc", object: "financial_connections.account", balance: { as_of: 1651516592, cash: { available: { usd: 6000 } }, current: { usd: 6000 } type: "cash" }, balance_refresh: { status: "succeeded", last_attempted_at: 1651516582 }, // ...rest of FinancialConnectionsAccount resource }
{ id: "fca_zbyrdjTrwcYZJZc6WBs6GPid", object: "financial_connections.account", ownership: { id: "fcaowns_1Ko9YoGxLVUXRs6HoUfiSHWn", object: "financial_connections.account_ownership", created: 1483315442, owners: { object: "list", data: [ { name: "John Smith", ownership: "fcaowns_1Ko9YoGxLVUXRs6HoUfiSHWn", raw_address: "123 Main St Anytown, NY 10001", refreshed_at: 1483920000 } ], has_more: false, url: "/v1/financial_connections/accounts/fca_zbyrdjTrwcYZJZc6WBs6GPid/owners?ownership=fcaowns_1Ko9YoGxLVUXRs6HoUfiSHWn" } }, ownership_refresh: { status: "succeeded", last_attempted_at: 1618725600 } }
{ object: "list", url: "/v1/financial_connections/transactions?account=fca_1KhU7f2SltYkNIR4wgPkANPP", has_more: false, data: [ { id: "fctxn_1JwjM1AfHRp7nlnyiTU5JlpS", object: "financial_connections.transaction", livemode: true, account: "fca_1KhU7f2SltYkNIR4wgPkANPP", amount: -1000, currency: "usd", status: "posted", description: "Payment to Rocket Rides", posted_at: 1860000, transacted_at: 1860000, }, {...} ] }

Instantly verify bank accounts

Retrieve tokenized account and routing numbers to verify bank accounts for ACH Direct Debit, payouts, and other types of money movement.
  • Comprehensive coverage for over 90% of US bank accounts
  • Interoperability with Stripe ACH Direct Debit, Connect, and prebuilt payment UIs such as Checkout and Payment Links
  • Hosted microdeposit fallbacks for all US financial institutions

Check account balances

Pull balances to confirm your user has sufficient funds before initiating debits. Use balances for underwriting or building financial management products.
  • Pending balance
  • Available balance
  • Interoperability with Stripe ACH Direct Debit, Connect, and prebuilt payment UIs such as Checkout and Payment Links

Confirm bank account ownershipInvite only

Verify ownership to minimize fraud when making payouts or accepting payments.
  • Account owner first and last name
  • Account owner address
  • Interoperability with Stripe Identity, Custom Connect, and prebuilt payment UIs such as Checkout and Payment Links

Retrieve historical transactionsComing soon

Obtain data about users’ cash flow, income, and spending habits to build financial management tools or offer financial services.
  • 180-day transaction pull
  • New transactions are made available daily via API

Unified stack

A better developer and user experience

Easy integration

Use a single Stripe integration to connect to users’ accounts, move money, and build financial products.

Privacy and transparency

Earn users’ trust by accessing only the data you need and conveying what data is shared and with whom.

Comprehensive coverage

Instantly connect to over 90% of US bank accounts and reliably retrieve data that users have agreed to share.

Optimized for conversion

Reduce drop-off during checkout and other processes by streamlining account verification and data sharing.

Use cases

Build better products and processes with financial data

Secure access to users’ financial data enables you to streamline common processes, such as onboarding and payments, and build new products to help users manage their finances. Because Financial Connections is fully interoperable with the rest of Stripe, it’s easy to connect to users’ accounts to improve payments and product experiences.

Streamline payments and payouts

Power secure and reliable ACH Direct Debit payments, payouts, and other types of money movement by instantly verifying bank accounts. Check account balances before initiating debits to avoid payment failures and insufficient funds errors.

Streamline Payment

Verify bank account owners

Reduce fraud by confirming bank account ownership before initiating payouts or accepting payments. Use Financial Connections with Stripe Identity to both verify a user’s identity and confirm they’re the owner of a bank account.

Capital

Use financial data to underwrite risk

Mitigate the risk of losses when processing payments or offering financial services. Gain additional visibility into users’ cash flow, income sources, and ability to repay.

Pay out fund instantly

Launch financial management tools

Build products that help users manage their money. Unify data about users’ accounts and payments so they can better manage cash flow and understand their earnings.

Financial Management Tools

Data privacy and transparency

Prioritize privacy to build users’ trust

Your users should always be in control of their financial data. With Financial Connections, you can promise your users that you can only access the data they have consented to share.

Before linking an account, users can see:

  • What types of data they’re sharing
  • Who can access their data
  • How to disconnect an account

We safeguard users’ data by:

  • Prioritizing OAuth connections to reduce login credential sharing
  • Limiting your access to only the data you requested
  • Encrypting data in transit and at rest
Financial data access Select all that apply
Data types
Preview of end-user experience:

Ready to get started?

Start connecting to users’ financial accounts to improve payments and product experiences.

FAQs

Learn how Stripe handles sensitive financial data.

ACH Direct Debit

Stripe’s ACH Direct Debit comes with built-in instant bank account verification, powered by Financial Connections.