Welcome to Straddle
We’re here to help you build better bank payments.
Straddle is the 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.
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.
How’s it work?
Here’s a high-level overview of how Straddle works:
Create a customer
Use Straddle’s API to create a customer profile. Straddle automatically scores multi-dimensional risk and compliance signals.
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.
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.
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!
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.