Pay by Bank

Powered by open banking. Built for you.


Onboard and verify customers, securely connect to their accounts, and get paid faster. All with a single API.

No fraud, no delays, and none of the usual fees.

Straddle Bridge

Trade in your messy payments stack for a unified API – where everything is built to work together.

  • People Make Payments

    People Make Payments

    Built-in identity and KYC eliminate the need for multiple vendors, integrations, and costly overhead.
  • Straddle Bridge

    Connect with Open Banking

    Use our 'no-code' widget or bring your own token from your existing open banking provider.

  • Stop fraud, Stay compliant

    Let Straddle use our advanced AI and ML tools to handle fraud detection, sanctions, screening and balance confirmation, freeing you to focus on growing your business.

  • Get Paid Faster

    Using Straddle's streamlined process you can have account-to-account (A2A) payments with the speed and reliability of a debit card, while greatly reducing your cost.

Build better bank payments

One API. Three requests.

  • 1

    Onboard and verify customers

    Onboard your customers and have Straddle instantly analyze every dimension of consumer or business identity—name, email, phone, address, IP, and more—delivered in
 a single ML model.

    Kyc
  • 2

    Connect to their accounts

    Connect to nearly any bank account in the US in seconds with our no-code open banking widget. Or bring your own token from all the names you know.

    We even invented Paykeys, a new kind of payment token to keep your application secure.

    What's a Paykey?
    Connect with bridge
  • 3

    Create a payment

    Use Paykeys to send or receive money via A2A payment rails. Smart balance verification is built-in to every request and returns real-time funds availability with every response.

    Fast bank payments
  • 4

    Relax

    We stop fraudulent transactions in their tracks with an embedded machine-learning model that meticulously scores each transaction. You get paid in 24hrs.

    Order success

Build better bank payments

One API. Three requests.

  • 1

    Onboard and verify customers

    Onboard your customers and have Straddle instantly analyze every dimension of consumer or business identity—name, email, phone, address, IP, and more—delivered in
a single ML model.

  • 2

    Connect to their accounts

    Connect to nearly any bank account in the US in seconds with a no-code open banking widget. Or bring your own token from all the names you know.

    We even invented a new kind of payment token to keep your application secure.

    What's a Paykey?
  • 3

    Create a payment

    Use Paykeys to send or receive money via A2A payment rails. Smart balance verification is built-in to every request and returns real-time funds availability with every response.

  • 4

    Relax

    We stop fraudulent transactions in their tracks with an embedded machine-learning model that meticulously scores each transaction. You get paid in 24hrs.

Already working with an 'open banking' provider?

All your payments data in one place

Our console is a web application that seamlessly integrates customer and payment data from the Straddle API stack in one easy to use web portal.

  • Customer 360

    View detailed customer profiles including identity information and detailed payment history

  • Metrics

    Track KPIs and drive unparalleled growth with in-depth insights and reports

  • Reporting

    Easily segment and track failed payments such as network returns, fraud, and balance rejections

  • Notifications

    Send automated email updates and reminders to customers to notify them of upcoming payments, payment failures, and 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.
Portal Desktop
Device frame

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