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Pay by Bank lets you accept payments directly from a buyer’s bank account. Gr4vy supports multiple Pay by Bank flows depending on your market, customer journey, and connector setup. Use this page to choose the right integration path, then continue in the corresponding Connections documentation.

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What Gr4vy supports

Gr4vy supports two broad Pay by Bank models:
  • Account-based bank payments (ACH, SEPA, BACS) for direct debit-style flows in the US, EU/EEA, and UK.
  • Redirect bank payments (global) where buyers authenticate in their bank app or banking portal.

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Choose your integration path

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ACH, SEPA, and BACS

Use these pages when you want to process direct bank payments:
  • Direct bank payments Use raw bank account details (account_number, routing_number, sort_code, or IBAN) directly in the API. Supports ACH, SEPA, and BACS schemes.
  • Adyen bank Process ACH, SEPA, and BACS via Adyen, including Plaid-linked flows and direct bank details.
  • Plaid Use Plaid for account linking, verification, recurring support, and Signal options. Supports ACH, SEPA, and BACS schemes from Plaid tokens.

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Redirect bank payments and local bank rails

Use these pages for country-specific Pay by Bank methods:

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Common next steps

  1. Pick the connector and flow that match your market.
  2. Configure the connection in the dashboard.
  3. Implement your API flow using the connector page in Connections.
  4. Validate with sandbox credentials before going live.
If you are starting with direct bank payments and need implementation details, begin with Direct bank payments.