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Pay by Bank is Straddle’s core product, providing a unified API for account-to-account payments. It combines identity verification, open banking connectivity, and payment processing to offer developers a streamlined solution for implementing secure and efficient payment flows.

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Technical Components

Pay by Bank consists of three main components:

Identity

Graph-based identity engine for real-time verification

Bridge

Open banking connectivity suite for account linking and paykey generation

Payments

Send or receive payments directly from any bank account

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Key Features for Developers

  • Unified API: Single integration point for identity, open banking, and payments
  • Real-time Identity Verification: Sub-second customer onboarding, no selfies required
  • Bank Account Connectivity: Connect to 90%+ of US bank accounts with our Bridge SDK or bring your own token
  • Fraud Prevention: Built-in transaction monitoring
  • Multi-rail Orchestration: Optimize for speed across ACH, RTP, and FedNow (coming soon)
  • Webhook Support: Real-time notifications for asynchronous events
    Bridge also supports bank routing and account numbers

    This feature is particularly useful for existing customers or in situations where an open-banking connection isn’t possible.

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Integration Overview

Implementing Pay by Bank involves interacting with three primary API endpoints:
  1. Customers API: Manage customers with Straddle ID built-in
  2. Bridge API: Handle bank account connections and paykey generation
  3. Payments API: Initiate and manage payment transactions across multiple rails

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Implementation Workflow

1

Customer Onboarding

Use the Customers API to create and verify customer identities.
2

Open Banking

Implement the Bridge API to securely link customer bank accounts and generate Paykeys.
3

Payment Processing

Utilize the Payments API with generated paykeys to initiate and manage transactions.
4

Webhook Handling

Set up webhook endpoints to receive real-time updates on transaction statuses and other events.
For detailed information on request/response formats, parameters, and endpoint-specific functionality, refer to our comprehensive API reference:
We’re just getting started with this guide. Keep reading to learn a whole lot more. Or skip to the end and start coding.