Straddle is the unified platform for building modern account-to-account payment experiences.

Onboard and verify customers, connect to their accounts, and get paid faster. Trade in your messy payments stack for Straddle – where everything is built to work together.

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Core Functionality

Identity First

Onboard and verify individual or business customers in less than a second using with Straddle Identity, a graph-defined identity engine built-in to your Straddle account.

Powered by Open Banking

Connect customer identity to open banking data via Bridge, Straddle’s “no-code” widget, or use existing tokens from providers like Mastercard (Finicity), Plaid, and MX.

Pay by Bank

All payments are protected with built-in balance confirmation and real-time fraud detection through Watchtower, Straddle’s transaction monitoring risk engine.

Faster Money Movement

24-hour direct debit funding, with payouts via dynamic multi-rail orchestration across ACH, RTP, and FedNow (coming soon).

Compliant by Default

Integrated KYC, watchlist screening, and transaction monitoring ensure robust compliance without additional engineering overhead.

Built for you

A single, secure API stack that simplifies complex infrastructure into easy-to-implement code.

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How’s it work?

Here’s a high-level overview of how Straddle works:

1

Create a customer

Use Straddle’s API to create a customer profile. Straddle automatically scores multi-dimensional risk and compliance signals.

2

Connect to their account

Bridge connects your application to the banking network. This can be done through Straddle’s drop-in widget or by using existing tokens from supported providers like Plaid, MX, and Finicity.

3

Get a token

Once a bank account is connected, a paykey is created and returned to your application. A paykey is a secure token linking the verified identity to the bank account. This is actually pretty cool technology: learn more.

4

Pay by bank

Use the paykey to initiate charges or payouts through Straddle’s API, benefiting from built-in balance verification and fraud prevention. Returning customers skip right to this step!

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Core Products

Straddle offers several core products that are designed to work together:

These core products work seamlessly together, enabling you to quickly implement sophisticated payment functionality, reduce fraud, and provide a seamless experience for your users.

Core Concepts