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Adyen is a global payment technology company founded in 2006 in Amsterdam, Netherlands. The company provides a single platform for accepting payments across online, mobile, and in-store channels for major enterprises worldwide including Uber, Spotify, and Microsoft. Pay by Bank (US) is Adyen’s open banking payment method for the US market, powered by Plaid. The buyer is redirected to Plaid to select and authenticate with their bank. Plaid runs balance and risk checks at the time of authorization, and the payment settles over the ACH Direct Debit network. This is distinct from ACH Direct Debit via Adyen, where the buyer manually enters their bank account and routing numbers. Pay by Bank uses the Plaid-mediated bank selection flow and includes Plaid’s balance verification.

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Setup

Please follow the common Adyen instructions to get set up with Pay by Bank (US). Next, contact Adyen to enable Pay by Bank (US) on your merchant account. Adyen requires merchants to be registered with Plaid before go-live, which can take up to one week.

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Supported countries

Pay by Bank (US) supports transactions from buyers in US.

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Supported currencies

Pay by Bank (US) supports processing payments in USD.

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Features

Pay by Bank (US) via Adyen supports the following features:
  • Direct capture - Capture funds at the time of the transaction
  • Refunds - Refund transactions in full
  • Partial refunds - Refund a portion of the original transaction amount
  • Payment method tokenization - Store the bank account for recurring debits
  • Settlement reporting - Reconcile transactions against Adyen settlement reports

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Limitations

The following features are not supported by this connector:
  • Delayed capture - Authorization and capture happen together
  • Partial capture - Cannot capture a portion of the authorized amount
  • Void - Cannot cancel a transaction once initiated
  • Zero auth - Zero-amount verification transactions are not supported

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Integration

Pay by Bank (US) is always a redirect flow. After creating a transaction, the buyer is redirected to Plaid to select their bank and authenticate. After authentication, Plaid runs a balance check and the buyer is redirected back to your redirect_url.

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Redirect integration

Create a new transaction using the paybybank method. 
var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "USD",
        Country = "US",
        Intent = "capture",
        PaymentMethod =
            TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
                new RedirectPaymentMethodCreate()
                {
                    Method = "paybybank",
                    Country = "US",
                    Currency = "USD",
                    RedirectUrl = "https://example.com/callback",
                }
            ),
    }
);
After the transaction is created, the API response includes payment_method.approval_url and the buyer_approval_pending status. 
{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.sandbox.spider.gr4vy.app/connectors/adyen/apm.html?token=..."
  },
  "method": "paybybank"
}
Open the approval_url in a popup or redirect so the buyer can authenticate with their bank via Plaid. After the buyer completes the flow they are redirected to the redirect_url you provided when creating the transaction. Do not rely solely on the redirect — either poll the transaction or (recommended) rely on webhooks to detect the final status (for example capture_succeeded or failure states).
Pay by Bank (US) includes a Plaid balance check at authorization. If the selected bank account has insufficient funds, Adyen refuses the authorization and the transaction moves to a declined state.

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Recurring payments

Pay by Bank (US) via Adyen supports storing the bank account after the first redirect. When you store the payment method, Gr4vy registers a recurring contract with Adyen so the stored bank account can be debited for subsequent transactions without requiring the buyer to go through the Plaid flow again. See Recurring payments for an overview of storing and reusing payment methods.

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Testing

Adyen provides a Pay by Bank (US) sandbox for testing. Use the Plaid sandbox credentials (user_good / pass_good) when prompted during the redirect flow. Select an account with sufficient balance (for example, the savings account) to avoid the balance-check refusal.