Stripe Financial Connections lets businesses connect a user’s financial accounts through an open banking integration. It can retrieve tokenized account and routing numbers to verify accounts for ACH Direct Debit, payouts, and other money movement. For US accounts, instant connections cover over 97% of bank accounts and reach 12,000 financial institutions; a hosted microdeposit flow supports US institutions outside that coverage. Businesses can also request pending and available balances, account-owner names and addresses, and transaction history. Transaction access includes a 180-day pull, with new transactions available daily through the API. These details can support ACH payments, Connect payouts, risk underwriting, and financial management products. The hosted authentication flow can be embedded in a website or mobile app with Stripe.js or Stripe’s Android and iOS SDKs. Users can review what they share, see who can access it, and disconnect access. Connections use OAuth or institution login through Financial Connections Link; Stripe prioritizes OAuth and encrypts data in transit and at rest. Listed integrations include ACH Direct Debit, Connect, Checkout, Payment Links, and Stripe Identity for specified workflows. Pricing is pay-as-you-go for listed requests, with custom pricing available for some businesses.
Who it is for
Stripe Financial Connections suits businesses building bank verification, ACH payment, payout, underwriting, or financial management workflows around US bank accounts. It is also relevant to teams embedding a hosted bank-linking flow in a website or mobile app.
What is good
- Retrieves tokenized account and routing numbers for verification.
- Connects instantly to over 97% of US bank accounts.
- Provides balances, ownership details, and transaction history.
- Supports embedded web and mobile authentication flows.
- Users can review and disconnect data access.
What to know first
- Pricing is charged per request or monthly by institution and account holder.
- The listed coverage and microdeposit fallback concern US financial institutions.
- Use with US bank accounts is limited to specified countries.
Verdict
Choose Stripe Financial Connections when a business needs bank account verification or financial data for payments, payouts, underwriting, or financial management. Its bank data, hosted authentication options, and listed Stripe integrations support those workflows. Businesses with high API call volumes or unique models can contact sales for custom pricing.
Get started with Stripe Financial Connections
- Open https://stripe.com/financial-connections.
- Choose a website or mobile app implementation.
- Embed the hosted authentication flow with Stripe.js or Stripe’s Android or iOS SDKs.
- Use OAuth or institution login through Financial Connections Link.
- Select the pay-as-you-go data requests that fit the workflow, or contact sales about custom pricing.
Limits to know first
Balances cost 0.10 USD per successful API call. Transactions cost 0.30 USD per institution per account holder per month. Instant bank account verifications cost 1.50 USD per verified account, and account-owner requests cost 1.50 USD per successful API call. Custom pricing is available for companies with high API call volumes or unique business models.
Questions about Stripe Financial Connections
How much does Stripe Financial Connections cost?
Pay-as-you-go balances cost 0.10 USD per successful API call. Transactions cost 0.30 USD per institution per account holder per month; instant bank account verifications cost 1.50 USD per verified account, and account-owner requests cost 1.50 USD per successful API call. Custom pricing is available for some businesses.
What financial information can it retrieve?
It supports account details, balances, ownership, and transactions. Transaction access includes a 180-day pull, with new transactions available daily through the API.
Which platforms does it support?
The listed platforms are Android, API, iOS, and web. Businesses can embed hosted authentication on a website or mobile app using Stripe’s implementation options.
Does it connect to US banks?
Instant connection covers over 97% of US bank accounts and reaches 12,000 financial institutions. A hosted microdeposit flow is available for US institutions outside instant coverage.
What connection methods are available?
Connections use OAuth or institution login through Stripe Financial Connections Link.
What integrations are listed?
Stripe lists interoperability with ACH Direct Debit, Connect, Checkout, Payment Links, and Stripe Identity for specified workflows.
Stripe Financial Connections plans and pricing
All plansCompared on bank connectivity software
- Supported data types
- account details, balances, ownership, transactions
- Connection methods
- OAuth and institution login through Stripe Financial Connections Link
- Refresh frequency
- on_demand
