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SPECIFICTION
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Stripe Financial Connections

stripe.com

From $0.30/mo WebiOSAndroidAPI
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Spec score 7.3 #35 of 71 in Bank Connectivity Software

Spec sheet

Purpose
Financial Connections lets users securely share financial data with a business through an open banking integration.Read 4 Oct 2026 · stripe.com
Integrations
Stripe lists interoperability with ACH Direct Debit, Connect, Checkout, Payment Links, and Stripe Identity for specified workflows.Read 4 Oct 2026 · stripe.com
Account verification
It retrieves tokenized account and routing numbers to verify bank accounts for ACH Direct Debit, payouts, and other money movement.Read 4 Oct 2026 · stripe.com
Availability
The documentation lists availability to businesses in specified countries for use with US bank accounts.Read 4 Oct 2026 · docs.stripe.com
Balances
The product can retrieve pending and available balances to check funds, support underwriting, or power financial management products.Read 4 Oct 2026 · stripe.com
Coverage
Stripe says it can instantly connect to over 97% of US bank accounts and retrieve data from 12,000 financial institutions.Read 4 Oct 2026 · stripe.com
Fallback
Stripe offers a hosted microdeposit flow for US financial institutions outside instant connection coverage.Read 4 Oct 2026 · stripe.com
Implementation
Businesses can embed the hosted authentication flow in a website or mobile app using Stripe.js or Stripe’s Android and iOS mobile SDKs.Read 4 Oct 2026 · stripe.com
Link
Link powers the bank-linking experience, and users with a saved bank account authenticate 50% faster, according to Stripe.Read 4 Oct 2026 · stripe.com
Ownership
It can return bank account owners’ first and last names and addresses to help verify ownership and reduce fraud.Read 4 Oct 2026 · stripe.com
Privacy and security
Users can see what data they share, who can access it, and how to disconnect; Stripe says it prioritizes OAuth and encrypts data in transit and at rest.Read 4 Oct 2026 · stripe.com
Transactions
It provides a 180-day transaction pull, with new transactions made available daily through the API.Read 4 Oct 2026 · stripe.com
Use cases
Stripe identifies ACH payments, Connect payouts, risk underwriting, and financial management products as use cases.Read 4 Oct 2026 · docs.stripe.com

Plans and prices

Pay-as-you-go — balances $0.10, paid once Per successful API call Account balances Read 4 Oct 2026 · stripe.com
Pay-as-you-go — transactions $0.30 a month Per institution per account holder per month Automatically updated transaction feed Read 4 Oct 2026 · stripe.com
Pay-as-you-go — account owners $1.50, paid once Per successful API call Owner information such as first name, last name, and address Read 4 Oct 2026 · stripe.com
Pay-as-you-go — instant bank account verifications $1.50, paid once Per verified account Bank name and tokenized account number · verification that account is open Read 4 Oct 2026 · stripe.com
Custom pricing Priced on request Contact sales Available for companies with a high volume of API calls or unique business models Read 4 Oct 2026 · stripe.com

Every Stripe Financial Connections plan and price →

Where Specifiction places it

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