Payment infrastructure
built for >
engineers|
The coordination layer for account-to-account payments. Identity verification, open banking, and multi-rail orchestration in one API.
Trusted by teams moving billions
PLATFORM
Explore the Straddle platform
Everything you need to move money by bank account. Identity, open banking, multi-rail payments, and fraud monitoring in one API.
All products ›Pay by Bank
ACH, Same-Day ACH, RTP, and FedNow. Straddle picks the optimal rail for every payment.
Identity
Graph-based KYC engine. Sub-second onboarding, no selfies. SSN, watchlist, fraud scoring.
Bridge
Connect to 90% of US bank accounts. Plaid, MX, or manual entry. Every link produces a Paykey.
Embed
White-label Straddle in your SaaS or marketplace. Zero custody risk, direct payouts.
Watchtower
Integrated fraud and AML monitoring. ML scoring, velocity checks, sanctions screening.
AI Toolkit
MCP servers, CLI, and plugins for Claude Code, Cursor, Codex, and Gemini.
The only payments API built for AI
MCP servers, CLI, and plugins. Your agent talks to Straddle the same way you do: through the API. One install, full access.
Two hosted servers: API access with code execution, and docs search. Run locally or connect remote.
One install gets MCP servers, slash commands, and skills that activate automatically as you build.
Full API from your terminal. Typed SDKs in five languages with autocomplete and signature verification.
Multi-rail routing
Straddle selects the optimal payment rail for every transaction. ACH, Same-Day ACH, RTP, and FedNow. You set the intent; the system picks the fastest path.
Identity
Graph-based KYC engine. Sub-second onboarding, no selfies required. SSN validation, fraud scoring, watchlist screening, and address verification run automatically when you create a customer.
Open banking
Connect to 90%+ of US bank accounts through Bridge. Drop-in widget, Plaid token, MX, or manual entry. Every link produces a Paykey: a secure token binding verified identity to a validated account.
Balance check
Real-time balance verification on every payment request via open banking. Confirms funds exist before initiating the charge. Fewer NSF returns, fewer failed payments, less risk.
Watchtower
Integrated fraud and AML transaction monitoring, built in from day one. ML model scores thousands of signals per transaction. Velocity checks, sanctions screening, and automated decisioning with zero configuration.
Embed
White-label Straddle in your SaaS or marketplace. Your users onboard through your brand, payouts go directly to them, and your platform never touches the flow of funds. Zero custody risk.
AI Toolkit
Your agent builds payment flows autonomously. It reads documentation, creates customers, links bank accounts, and initiates charges without switching context. The API is the interface.
Webhooks
Signed webhooks for every state change. Every SDK includes signature verification out of the box. Subscribe to charge, payout, customer, and funding events. Retry logic and delivery guarantees built in.
Your entire payment operation in one place
Real-time visibility across every payment, customer, and integration. From charge creation to settlement and reconciliation.
Your first charge in three requests
$ straddle customers create --name 'Ron Swanson' $ straddle bridge link --customer cus_8f3a $ straddle charges create --amount 425000 --paykey pk_2b7c Get sandbox access in minutes. No sales calls, no contracts. Build first, talk to us when you're ready.