​
Welcome to Straddle

We’re here to help you build better bank payments.

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.

​
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:

  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!

​
Core Products

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

​
Identity 🪪

Straddle Identity is the foundation of our platform, providing robust customer management and identity verification features:

  • Instant onboarding and verification of individual or business customers
  • Utilizes Straddle ID, a graph-defined identity engine
  • Integrated KYC and AML compliance checks
  • Manages customer profiles, including contact information and payment preferences
  • Real-time fraud detection through Watchtower, our transaction monitoring risk engine

​
Bridge 🌉

Straddle Bridge is our account connectivity suite that securely links users to their financial accounts:

  • Offers a drop-in open banking widget connecting to 90% of US bank accounts
  • Supports existing third-party tokens from providers like Plaid, MX, and Mastercard (Finicity)
  • Provides API-based bank account verification for “out of network” banks
  • Generates Paykeys, secure tokens linking verified identities to payment methods
  • Enables balance checks and account information retrieval

Note: Bridge also supports manual entry of routing and account numbers. This feature is particularly useful for existing customers or in situations where an open-banking connection isn’t possible. It ensures that you can create Paykeys and process payments even when direct bank connectivity isn’t available or preferred.

​
Pay by Bank 💳

Straddle Pay by Bank is our unified payment processing solution:

  • Uses Paykeys generated by Bridge to initiate charges or payouts
  • Supports various payment rails including ACH, RTP, and FedNow (coming soon)
  • Provides built-in fraud detection and compliance checks for all transactions
  • Enables 24-hour direct debits with built-in balance and risk scoring
  • Offers a simple API for initiating and managing payments

​
Embed 🧩

Straddle Embed is our solution for platforms, allowing them to offer Straddle’s capabilities to their own users:

  • Purpose-built API stack for software providers, marketplaces, and payment facilitators
  • Allows platforms to extend and monetize Straddle’s payments infrastructure
  • Provides white-label solutions for identity verification, account linking, and payment processing
  • Handles regulatory compliance, reducing liability for platforms
  • Offers flexible integration options to suit various platform architectures

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