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.
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.
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.
Unified stack
A better developer and user experience
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.
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.
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.
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.
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.
We're excited to collaborate with Stripe to let our customers pay via ACH without having to wait days to verify microdeposits. It's great for our customers, who will have an easier way to use a preferred payment method, as well as our development team, which can use a single integration to manage payments and bank account verifications.
With Stripe Financial Connections, creators can link their bank accounts in seconds when they join Nifty Gateway. No account number typos, no delayed payouts, it just works.
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.