Link offers an Open Banking payment platform that lets merchants accept direct‑bank payments, cutting processing fees by 70‑80% compared to card transactions. Its lightweight SDKs and API provide real‑time funds guarantees, NACHA‑compliant account verification, and features like shareable payment links, fraud‑risk indicators, and outbound payouts, enabling fast integration across web and mobile applications.
Funding
Funding not disclosed
Founders
Product
Problem
Merchants using traditional card payments face high processing fees and complex integration, while many customers lack access to convenient, low-cost payment methods that work across devices.
Solution
Link provides an Open Banking payment platform that lets customers pay directly from their bank accounts, reducing transaction fees by 70‑80%. The Pay by Bank product offers real‑time funds guarantees and instant verification of bank accounts, ensuring compliance with NACHA standards. Integration is streamlined through lightweight SDKs for web, mobile, and native apps, requiring only a few lines of code. Dynamic Links enable merchants to generate shareable payment URLs for SMS or email, expanding checkout options without additional development. Additional services such as AccountVerify, Indicators, and Payouts give merchants tools for account validation, fraud detection, and outbound payments, all accessible via a unified API.
Target Audience
Primary customers are online merchants, SaaS platforms, and fintech companies seeking low‑cost, bank‑direct payment options, as well as developers needing easy Open Banking integration.
Features
- Pay by Bank API with real‑time funds guarantee and NACHA‑compliant account verification
- SDKs for web, iOS, Android, and native mobile apps enabling quick integration
- Dynamic Links for creating shareable payment URLs sent via SMS or email
- AccountVerify service to authenticate bank accounts without storing login credentials
- Indicators data layer for custom risk scoring and fraud prevention
- Payouts capability for sending funds to bank accounts directly from the platform
- Developer portal with quickstart guides, documentation, and sandbox environment