PAY BY BANK

Five vendors. Three requests.

Identity, open banking, balance check, fraud scoring, and multi-rail payment. Three API calls replace your entire stack.

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IDENTITY

Persona Alloy Socure

OPEN BANKING

Plaid MX Finicity

PAYMENTS

Stripe Dwolla ModTrsy

FRAUD

Sardine Unit21 Sift

SPONSOR BANK

Evolve Column Lead

customers.create

verified 318ms

bridge.link

pk_2b7c active 89ms

charges.create

$4,250 paid 203ms

THREE REQUESTS

The payments stack, collapsed

Most teams stitch together a KYC provider, an open banking aggregator, a payment processor, and a fraud vendor. Each with its own contract, SDK, and failure modes.

Verify the customer

One call to customers.create runs graph-based KYC, fraud scoring, watchlist screening, and address verification. Sub-second. No selfies. No third-party redirect.

Replaces Persona, Alloy, Socure for bank payment KYC

@straddle/sdk

const customer = await client.customers.create({ device: { ip_address: '192.168.1.1' }, email: 'ron.swanson@pawnee.com', name: 'Ron Swanson', phone: '+12128675309', type: 'individual', }) console.log(customer.data) // => { id: "cus_8f3a", status: "verified" }

customer = client.customers.create( device={"ip_address": "192.168.1.1"}, email="ron.swanson@pawnee.com", name="Ron Swanson", phone="+12128675309", type="individual", ) print(customer.data) # => { id: "cus_8f3a", status: "verified" }

curl -X POST https://api.straddle.com/v1/customers \ -H "Authorization: Bearer sk_live_..." \ -H "Content-Type: application/json" \ -d '{ "name": "Ron Swanson", "email": "ron.swanson@pawnee.com", "phone": "+12128675309", "type": "individual", "device": { "ip_address": "192.168.1.1" } }'

Connect the account

Initialize a Bridge widget session and let your customer connect their bank. The widget handles auth, account selection, and verification. You get back a Paykey: a secure token binding identity to account.

Replaces Standalone Plaid, MX, Finicity integrations

@straddle/sdk

// Generate a session token for the Bridge widget const session = await client.bridge.initialize({ customer_id: 'cus_8f3a', }) // Pass bridge_token to your frontend // The widget handles bank selection and verification // => { bridge_token: "br_tok_..." } // Or bridge an existing Plaid token const paykey = await client.bridge.link.plaid({ customer_id: 'cus_8f3a', plaid_token: 'processor-sandbox-...', }) // => { paykey: "pk_2b7c", status: "active", label: "Chase ****4821" }

# Generate a session token for the Bridge widget session = client.bridge.initialize( customer_id="cus_8f3a", ) # Pass bridge_token to your frontend # The widget handles bank selection and verification # => { bridge_token: "br_tok_..." } # Or bridge an existing Plaid token paykey = client.bridge.link.plaid( customer_id="cus_8f3a", plaid_token="processor-sandbox-...", ) # => { paykey: "pk_2b7c", status: "active", label: "Chase ****4821" }

# Initialize Bridge widget session curl -X POST https://api.straddle.com/v1/bridge/initialize \ -H "Authorization: Bearer sk_live_..." \ -H "Content-Type: application/json" \ -d '{ "customer_id": "cus_8f3a" }' # Or bridge a Plaid token directly curl -X POST https://api.straddle.com/v1/bridge/plaid \ -H "Authorization: Bearer sk_live_..." \ -H "Content-Type: application/json" \ -d '{ "customer_id": "cus_8f3a", "plaid_token": "processor-sandbox-..." }'

Move the money

charges.create checks balance, selects the optimal rail, initiates the transfer, and monitors for fraud. You set the intent; the system picks the fastest path.

Replaces Stripe ACH, Dwolla, Modern Treasury for bank payments

@straddle/sdk

const charge = await client.charges.create({ amount: 425000, config: { balance_check: 'required' }, consent_type: 'internet', currency: 'usd', description: 'Monthly subscription', device: { ip_address: '192.168.1.1' }, external_id: 'inv_1042', paykey: 'pk_2b7c', payment_date: '2026-04-12', }) console.log(charge.data) // => { id: "ch_9d4e", status: "created", rail: "same_day_ach" }

from datetime import date charge = client.charges.create( amount=425000, config={"balance_check": "required"}, consent_type="internet", currency="usd", description="Monthly subscription", device={"ip_address": "192.168.1.1"}, external_id="inv_1042", paykey="pk_2b7c", payment_date=date.fromisoformat("2026-04-12"), ) print(charge.data) # => { id: "ch_9d4e", status: "created", rail: "same_day_ach" }

curl -X POST https://api.straddle.com/v1/charges \ -H "Authorization: Bearer sk_live_..." \ -H "Content-Type: application/json" \ -d '{ "amount": 425000, "paykey": "pk_2b7c", "currency": "usd", "consent_type": "internet", "description": "Monthly subscription", "payment_date": "2026-04-12", "config": { "balance_check": "required" }, "device": { "ip_address": "192.168.1.1" }, "external_id": "inv_1042" }'

MULTI-RAIL ROUTING

The system picks the fastest path

You set the payment intent. Straddle evaluates amount, urgency, and recipient bank to select the optimal rail. No configuration needed.

RAIL SPEED

ACH 1 business day

Same-Day ACH same day

RTP seconds

FedNow coming soon

AFTER THE REQUEST

The system handles the rest

Signed webhooks for every state change. ML fraud scoring on every transaction. Balance monitoring, sanctions screening, velocity checks. You get notified; you don't have to poll.

EVENT STREAM

live

charge.created ch_9d4e

charge.scheduled ch_9d4e

charge.pending originated to ACH

charge.clearing clearing through bank

charge.completed paid

SOC 2 TYPE II

Audited annually

NACHA CERTIFIED

Third-party sender

256-BIT ENCRYPTION

Data at rest and in transit

99.99% UPTIME

SLA-backed availability

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

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