A new way to get paid

Straddle is the all-in-one platform for building better bank payments

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Straddle is Trusted by

The most cost-effective way to accept payments online

Secure, fast account-to-account payments with all the features you need in a single, simple API.

  • Balance confirm

    Debit-like performance without the interchange

    With balance confirmation built into every payment request, we offer same-day ACH for charges by default, submit at every Fed window, and provide robust settlement tracking via API. This means that you get paid in 24 hours—or less. 

    Sending money is even faster with payouts via dynamic multi-rail orchestration across ACH, RTP, and FedNow (coming soon!)

  • Id ver

    People make payments

    Industry leading identity fraud detection is built directly into your payment flow with Pay by Bank

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    Any bank, any time

    A code snippet connects your application to 90% of US bank accounts with Straddle Bridge. Or bring your own token from your favorite data aggregator.

    Bank accounts work, too!

  • Persona source list

    Compliant by default

    Auditable data security and regulatory compliance is built into every payment. Giving you peace of mind and reducing the complexity (and cost!) of regulatory oversight. 

    From tokenized PII to AML sanctions screening and transaction monitoring, we built it so you don’t have to.

  • fraud

    Stay one step ahead of fraudsters

    We score every transaction in real time to identify and flag potentially fraudulent activities, block risky transactions instantly, and keep your business safe.

The most cost-effective way to accept payments online

Secure, affordable payments with all the features you need in a single, simple API.

  • Debit Card speed without the interchange

    With balance confirmation built into every payment request, we offer same-day ACH for charges by default, submit at every Fed window, and provide robust settlement tracking via API. This means that you get paid in 24 hours—or less.

    Sending money is even faster with payouts via dynamic multi-rail orchestration across ACH, RTP, and FedNow (coming soon!)

  • People make payments

    Industry leading identity fraud detection is built directly into your payment flow with Pay by Bank

  • Any bank, any time

    A code snippet connects your application to 90% of US bank accounts with Straddle Bridge. Or bring your own token from your favorite data aggregator.

    Bank accounts work, too!

  • Compliant by default

    Auditable data security and regulatory compliance is built into every payment. Giving you peace of mind and reducing the complexity (and cost!) of regulatory oversight.

    From tokenized PII to AML sanctions screening and transaction monitoring, we built it so you don’t have to.

  • Stay one step ahead of fraudsters

    We score every transaction in real time to identify and flag potentially fraudulent activities, block risky transactions instantly, and keep your business safe.

    • It's time to rethink payments

    With Pay by Bank you can integrate tomorrow's payment stack, today.

    Click below to find out moe about out Pay by Bank solutions.

    Full stack. Single purpose.

    We obsess over every detail so your team can focus on what matters.

    • Pay by Bank

      Onboard and verify customers, securely connect to their accounts, and get paid faster. No fraud, no delays, and none of the usual fees.
      Learn more

    • Identity

      Delight good users, catch bad ones, and stop worrying about compliance with an all-in-one identity verification solution.
      Learn more

    • Embed

      Easily embed next-generation payments into your SaaS, PayFac, or Marketplace
      Learn more

    • Watchtower

      Watchtower automatically confirms balance and prevents fraudulent or risky payments – without blocking legitimate transactions.
      Learn more

    Ready to start building with Straddle?

    Contact us to learn more about what we can help you build – or create an account to get started right away.
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    Stay connected with Straddle

    Be one of the first to build on the next-generation of payments infrastructure.

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    What is a Paykey?

    Paykeys are Straddle's reimagining of payment tokenization, creating a secure link between a user's verified identity and their chosen payment method. Built on the foundation of Bridge's account connectivity, Paykeys offer an identity-linked payment solution that enhances security and simplifies payment processing.

    Key features of Paykeys include:

    • Fraud elimination through secure identity-payment method linking
    • Protection of sensitive banking data
    • Reusability for recurring payments
    • Automatic balance confirmation for every transaction

    Paykeys leverage the account and owner information retrieved by Bridge, matching it to customer profiles to create a robust, secure token for payment operations. This approach streamlines payment processes while maintaining high security standards.

    Third Party Tokens

    In addition to using Straddle Bridge to connect to open banking, we also accept third party tokens from other sources like Plaid, MX, Flinks, and Mastercard (Finicity).

    Already working with an open Banking Provider?

    No need to worry, Straddle supports creating pay keys using tokens from all the major open banking providers like MX, Plaid, Flinks, and Mastercard.

    Simply send us your existing token and we can use that to perform all the interactions with your provider directly