连接用户的金融账户

Stripe Financial Connections 允许您的用户安全地分享他们的财务数据,从而让您可以简化支付流程、减少欺诈、承保风险、构建新产品等。一次集成即可检索财务数据,并通过 Stripe 的互操作 API 转移资金或构建金融产品。

运作原理

连接用户财务账户的最简单方式

快速启动并实现无缝、安全的财务数据共享。

通过我们预构建的流程对用户进行身份验证

将我们的认证流程嵌入您的 iOS、Android 或 Web 应用程序,或使用我们的支付 UI,不需要任何额外的代码。通过简化的用户体验验证帐户并最大程度提高转化。

使用 Stripe.js 或 Android 和 iOS 的移动 SDK 添加我们的托管验证流程。

https://connect.secure.wellsfargo.com/auth/login/present?app_descr
用户名 aleeyalancester
密码
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即时连接 90% 以上的美国银行账户

即时验证银行账户,检索 5000 家金融机构的授权数据,并返回到我们托管的任何其他美国金融机构的我存款流程。

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
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

只需几行代码即可访问用户允许的财务数据

通过单一的 Stripe 集成连接用户的金融账户,并支持入驻及付款等常见流程,从而减少开发时间和运营开支。

更好的开发人员和用户体验

可靠且可互操作的财务帐户连接

使用案例

利用财务数据构建更好的产品和流程

当您让用户安全地共享他们的财务数据后,您就可以简化常规流程,如入驻和付款,或构建新产品,帮助他们更好进行财务管理。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财务账户,以改善支付和产品体验。

简化付款和提现流程

通过即时验证银行帐户,助力安全可靠的 ACH 直接借记付款、提现及其他类型的资金转移。在发起扣款前检查帐户余额,减少付款失败频率及资金不足错误。

Streamline Payment

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 可以与 Stripe Identity 一起使用,验证用户的身份,确保他们是银行账户的所有者。

Capital

用财务数据承保风险

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。

Pay out fund instantly

推出财务管理工具

为用户搭建财务管理产品。统一用户的财务账户和支付数据,便于他们更好地管理现金流,分析他们的收入。

Financial Management Tools

数据隐私和透明度

优先考虑隐私,赢得用户信任

您的用户应该始终能够掌控他们的财务数据。我们在搭建 Financial Connections 时充分考虑了数据的隐私性和透明性,因此您的用户可以非常放心地将他们的账户连接到您这里。

连接账户前,用户可以看到:

  • 他们分享哪类数据
  • 谁可访问他们的数据
  • 如何断开账户

我们通过以下方式保障用户数据的安全:

  • 加密传输中和静止的数据
  • 让您可以控制自己可访问的数据
  • 让用户直接通过其银行验证(可以使用 OAuth 时)
财务数据访问 选择所有适用的项——您稍后可以随时更改。
数据类型
预览终端用户体验:

成千上万的创作者使用 Nifty Gateway 在世界各地销售他们的 NFT。过去,获取工作报酬时需要输入银行账号,这是一个人工操作过程,经常导致错误和提现延迟问题。有了 Financial Connections 以后,我们现在可以让创作者立即连接他们的银行账户——在不更改现有 Connect 集成的情况下,将提现失败率降低了 73%。

Patrick McLaren,Nifty Gateway 首席运营官

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 是如何处理敏感的财务数据的。

ACH 直接借记

Stripe 的 ACH 直接借记自带由 Financial Connections 提供的即时银行账户验证功能。