Accelerate growth with faster, safer bank payments
Boost conversion and reduce costs with a one-click pay by bank experience, minimise risk with AI trained on US$1.9T in payments volume and easily move money from payment to payout with Stripe's US bank payment solution.
Increase conversion with fast bank payments
Easily offer ACH debit alongside 125+ payment methods. With Link, 300M+ consumers can add or reuse a bank account in one-click and pay in seconds.
Reduce ACH risk
Mitigate ACH returns without slowing growth. Manage risk yourself with Stripe Financial Connections and Stripe Radar, or let Stripe do it for you with Instant Bank Payments.
Increase conversion
Reduce drop-off at checkout by enabling your customers to autofill their bank details with Onelink, Stripe's accelerated checkout.
Simplify operations
Unify checkout, bank payments, risk protection, reconciliation and payouts on one platform, reducing engineering effort.
US bank debit options
Give customers a faster way to pay by bank
Instant Bank Payments
- Instant payment confirmation and settlement in 2 business days
- Stripe guarantees payments against all bank-initiated returns
- Bank account verification included in your integration
- Maximises successful payments using ML models
ACH Direct Debit
- Confirmation and settlement in 4 business days
- Faster settlement in 2 working days
- Verify bank accounts and balances with Financial Connections
- Enable faster checkout by letting customers reuse saved payment methods with Onelink
Boost conversion at checkout with Onelink
Onelink autofills your customers' payment information to create an easy and secure checkout experience. Customers only have to save their bank account information once – for all future transactions, Onelink instantly populates their saved bank details so they can check out faster.
Pick your path
Determine the best way to accept bank payments
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ACH Direct Debit
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Instant Bank Payments
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Pricing
Pricing is per successful charge |
0.8% with a £5.00 cap
£1.25 per verification if you use Financial Connections
Starting at 4p per transaction for Radar
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2.60% + US$0.30 |
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Confirmation time
Default time it takes to verify a successful payment |
4 business days | Instant |
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Settlement time
Default time it takes for funds to become available in your Stripe account |
Up to 4 business days
Two-day settlement for eligible businesses
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2 business days |
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Risk management
Protect against payment failures, returns and fraud |
Balance checks available with Financial Connections.
AI-powered fraud prevention with Radar
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Built-in risk controls and guaranteed protections against bank-initiated returns |
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Auto-fill saved bank details
Accelerate checkout when customers have an account saved to Onelink |
Included with
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Included |
Having a frictionless payment option like Link has made it easier for our users to finish the subscription process, which has led to more subscribers for Anthropic.
Hundreds of thousands of guests on Airbnb are able to pay for their travels using their bank account thanks to Link.
Creating payment experiences that combine innovation, reduced friction, and cost savings is at the core of what we do. Using Instant Bank Payments to give customers the option to easily pay with their bank accounts puts us in a position to tick all those boxes while providing access to an increasingly popular mode of payment.
With Stripe, you will save time and recoup bandwidth across engineering, finance, and operating so that your whole organisation can focus on what matters most. You know your customers and where you want to take them, and Stripe has the people, the documentation, the knowledge, and the ongoing support to comfortably get you there.
Ready to get started?
Turn on bank debits and dozens of other payment methods with a single integration using the Stripe Checkout or Invoicing.
Accept other bank debits
Stripe supports bank debits around the world, including SEPA Direct Debit in Europe and pre-authorised debits in Canada
Know what you’ll pay
Learn more about our transparent per-transaction pricing.