Payments
Pay by bank, guaranteed
See why enterprises add a pay by bank specialist next to a global PSP whose bank payments run on Plaid.
100% guaranteed ACH deposits
Guard scores risk in real time
Predictive, in-house recapture
See why enterprises add a pay by bank specialist next to a global PSP whose bank payments run on Plaid.
See why enterprises add a pay by bank specialist next to a global PSP whose bank payments run on Plaid.
Aerosync, our own bank connectivity
Plaid redirect; Plaid sign-up required
100% guaranteed ACH deposits
Returns post as chargebacks
Predictive, in-house recapture
Can’t defend; retry by reason code
Guard scores risk in real time
Plaid balance and risk checks
RTP or FedNow, ACH fallback
FedNow-certified instant payouts
North American pay by bank is our core
One of 150+ payment methods
Adyen is a global enterprise platform with 150+ payment methods, a US branch license and FedNow certification, so its card processing and payouts are strong. Its US pay by bank is a thinner layer. Pay by Bank (US) is powered by Plaid, merchants must register with Plaid before go-live, and payments settle as ACH debits. Returns post as chargebacks that merchants can’t defend, and there is no deposit guarantee: Adyen’s answer to return risk is Plaid’s balance and risk checks at authorization.
Aeropay fills that gap. Enterprises keep Adyen for cards and add Aeropay for bank payments: Aerosync links the account, ACH deposits are 100% guaranteed, Guard scores each transaction in real time and predictive recapture recovers more of what fails.