Tomorrow's payments, today

Businesses and developers should be able to build modern bank payment experiences on a single platform that just works. But there’s never been a “Visa” for bank payments. Until now.

Straddle is a full-stack payment platform that connects the application layer to banking rails—and everything in between.

Our unified API abstracts away the complexity of fragmented point solutions, enabling you to onboard customers, connect to their accounts, and move money—without the risk of fraud or compliance headaches.

We built it so you don’t have to. Start building today.

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Core Values Driving
Straddle's Vision

Our foundation is built on unwavering commitments to our customers, integrity in every action, relentless innovation, and uncompromising security.

  • Innovation

    Constantly pushing boundaries to create cutting-edge payment solutions.

  • Security

    Prioritizing the safety and integrity of financial transactions.

  • Transparency

    Ensuring clear and open communication in all operations.

  • Efficiency

    Streamlining payment processes to save time and reduce costs.

  • Accessibility

    Making advanced payment technology available to businesses of all sizes.

Connect with our Founders

Discover the visionaries behind Straddle, whose expertise and dedication are shaping the future of financial technology
  • 1697255371673
    Keith Raphael
    Co-Founder & CEO
    FinTech Fanatic
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    Chad Willard
    Co-Founder & President
    Operations Obsessed
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    Ben Cummins
    Founding Member & CTO
    King of Nerds
  • "Straddle is an open-banking payments platform that enables organizations to build simpler, faster, and more efficient payment flows."
    KEITH RAPHAEL, CEO
  • "At Straddle, we're transforming financial transactions by seamlessly integrating identity verification with real-time, secure payments — all designed to move money as effortlessly as data flows."
    CHAD WILLARD, PRESIDENT
  • "Straddle's Unified API simplifies integration, offering developers a robust, single-point solution for secure identity verification and instant payment processing—effortlessly enhancing any financial application."
    BEN CUMMINS, CTO

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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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

Let's talk!

Our excellent customer support team is ready to help.