Secure Open Banking Integration
Instant Open Banking Authentication
Securely authenticate, link, and tokenize external consumer and corporate bank accounts in seconds. Eliminate the friction of manual routing/account inputs, legacy micro-deposit delays, and checkout drop-off via encrypted token exchanges.
Programmable Direct Clearing
Initiate programmatic, high-velocity bank-to-bank asset transfers directly from linked external accounts. Leverage automated risk scoring and immediate asset checks to confidently authorize ACH, SEPA, and Faster Payments clearing schedules.
Instant Balance & Identity Attestation
Eradicate payment fraud and prevent costly NSF (Non-Sufficient Funds) returns. Instantly verify legal account ownership matching and query live ledger balances prior to executing inbound pulling or outbound payment settlement operations.
Developer First Connectivity
A powerful suite of APIs designed to seamlessly weave external bank accounts into your core application flows.
plaid-flow.ts
import paytech
# Create a Link Token to securely authenticate a user's external bank account
link_token = paytech.LinkToken.create(
user_id="usr_1A2B3C",
client_name="PayTech Financial",
products=["auth", "transactions", "identity"],
country_codes=["US", "GB", "EU"],
language="en"
)
# Return this token to the frontend to launch the secure linking UI
print(f"Token: {link_token.id}")