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Open Banking. Modern Payments.

Instant Bank Verification. Safer ACH Payments Start Here.

Instant bank connections wherever you do business.

CrossCheck’s ACH Pay-by-Link connects directly to your customer’s bank, powered by Plaid open banking technology. 

Plaid supports thousands of institutions, including long-tail banks and credit unions to confirm account details in real time. This helps reduce errors, speed approvals, and creates a smoother, more secure payment experience. 

The result is a simple, streamlined process that makes paying by bank fast and intuitive. 

1

Step 1

Send a secure ACH Pay-by-Link to your customer

2

Step 2

Customer selects and connects their bank account

3

Step 3

Account verification happens instantly

4

Step 4

Payment authorization completes in seconds

Smarter Verification. A Better Customer Experience.

Merchants who use our service benefit from a seamless payment experience powered by Plaid’s trusted technology -

  • 1 in every 3 consumers with a US bank account uses Plaid. 

  • Transactions completed as quickly as a credit card, helping you get paid faster.

  • Send a secure payment link via text or email, allowing customers to pay anytime, anywhere.

  • Easily upload invoices.

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Drive more sales

Capture more revenue by rescuing failed payments and moving beyond cash, checks, and wire transfers. 

Eliminate Risk

Instant bank verification confirms account details before the payment is processed.

Cut Fees

Trim your overall costs by reducing fees for card processing, chargebacks, and other payment services.

Higher conversion, lower risk, better scale.

  • Higher conversion → more successfully linked accounts with Plaid.

  • Built-in Compliance.

  • Stronger risk controls and fraud mitigation.

  • Scales efficiently with mature infrastructure and cleaner reconciliation.
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Modern ACH Payments Without the Guesswork

 

Traditional ACH often relies on manual entry of routing and account numbers, increasing the risk of errors, returns, and delays. Instant bank verification confirms account details before the payment is processed, helping businesses reduce exceptions and improve reliability from the start. 

Ready to Modernize ACH Payments?

 

Instant bank verification combined with secure pay-by-link technology helps you get paid faster while delivering a frictionless experience your customers trust.