助力快速可靠资金流动的开放银行
Stripe Financial Connections 是一种开放银行解决方案，让您的用户能够安全地共享财务数据。只需一次集成，即可简化支付与提现、降低欺诈、管理风险并开发新的金融产品。
运作机制
连接财务账户的最简单方式
短短几秒，您的用户即可关联他们的金融账户，从而改善付款和产品体验。
通过我们预构建的流程验证用户身份
将验证流程嵌入您的移动应用或网站中，或通过管理平台将其添加至支付 UI。简化账户验证流程，提供流畅的用户体验，实现转化率最大化。
https://connect.secure.wellsfargo.com/auth/login/present?app_descr
用户名
janediaz
密码
注册
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即时连接 97% 以上的美国银行账户
即时验证银行账户，从 5,000 家金融机构获取授权数据。对于其他美国金融机构，可切换至我们托管的微存款验证流程。
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
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
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
输入几行代码，便能访问用户分享的数据
一次 Stripe 集成，即可关联用户账户，并支持入驻及支付等常见流程，大幅缩短开发时间。
一体化堆栈
更好的开发人员和用户体验
使用案例
利用财务数据构建更好的产品和流程
通过安全地访问用户的财务数据，您可以简化入驻和支付等常见流程，并构建新产品来帮助用户管理资金。由于 Financial Connections 与 Stripe 的其他部分完全可互操作，因此它可以轻松连接到用户的账户，以改善支付和产品体验。
验证银行账户所有者
通过在发起提现或接受付款前确认银行账户所有权来减少欺诈。Financial Connections 可与 Stripe Identity 搭配使用，用于验证用户身份，确认其是银行账户的所有者。
利用金融数据进行信用风险评估
降低处理付款或提供金融服务时的损失风险。更进一步，查看用户的现金流、收入来源及还款能力。
推出财务管理工具
为用户搭建资金管理产品。使关于用户账户和支付的数据一体化，便于他们更好地管理现金流，了解收入情况。
数据隐私和透明度
优先考虑隐私，构建用户信任
您的用户应该始终能够掌控他们的财务数据。通过 Financial Connections，您可以向用户承诺，您只能访问他们同意分享的数据。
访问财务数据
选择所有适用的项
预览终端用户体验：
ACH 是一个老旧且较为复杂的银行协议，Stripe 通过 Financial Connections 快速且可靠地将其带入了现代世界。
快速、无缝、安全地检索准确的银行账户数据是我们业务的核心。借助 Stripe，我们将转化率提高了 14%，从而提高了我们可以向客户提供的价值。
定价
灵活定价，随业务增长调整
准备好开始了？
开始连接用户的金融账户，提升支付和产品体验。
常见问题
了解 Stripe 如何处理敏感财务数据。
ACH 直接借记
Stripe 的 ACH 直接借记自带由 Financial Connections 提供的内置即时银行账户验证功能。