Accelerate growth with faster, safer bank payments
Boost conversion and reduce costs with a one-click pay by bank experience, minimize risk with AI trained on $1T in ACH 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.
Lower costs without the complexity
Reduce payment costs up to 70% and reduce engineering work with one integration for instant confirmation and next-day settlement across US and global bank rails.
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
- Maximizes successful payments using ML models
ACH Direct Debit
- Confirmation and settlement in 4 business days
- Faster settlement in 2 business days
- Verify bank accounts and balances with Financial Connections
- Enable faster checkout by letting customers reuse saved payment methods with Link
Boost conversion at checkout with Link
Make checkout 3x faster with Link by securely saving and autofilling customer’s payment information for future purchases, delivering a seamless checkout experience.
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
$1.50 per verification if you use Financial Connections
Starting at 5¢ per transaction for Radar
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2.60% + 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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Autofill saved bank details
Accelerate checkout when customers have an account saved to Link |
Included with
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Included |
Manage risk
Minimize ACH returns and approve more good customers
Instant bank verification and balance checks
Instantly verify bank accounts and balances at checkout with Financial Connections. Reduce bank account related ACH return rates by up to 50% compared to other verification methods.
AI-powered fraud prevention
Stop ACH fraud before payments settle with Radar. Stripe's AI trained on over $1T in annual ACH volume, where 91% of transactions come from a bank account Stripe has seen before, predicts unauthorized payments and prevents returns.
Send payouts
Move money globally
Pay businesses on your platform
Facilitate payments for your platform with Connect. Onboard businesses, collect payments on their behalf, and pay them out with built-in tools to track and manage their earnings.
Send money instantly around the world
Easily pay recipients in 160+ countries using fast, secure methods with Global Payouts. Pay customers, affiliates, sellers, or any third party in their local currency, no Stripe account required.
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 organization 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-authorized debits in Canada
Know what you’ll pay
Learn more about our transparent per-transaction pricing.