Customer Success Team

The Customer Success team plays a crucial role in building strong relationships with customers and driving long-term satisfaction and loyalty.
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Logan Conn
Director of Support
Jonathan Turner
Customer Support Specialist
Selling & Transactions
Pay By Bank 2.0

Pay By Bank 2.0

Accept payments. Verify before you collect. Pay by Bank 2.0 adds Plaid verification to ACH payments, giving your business greater confidence while keeping the experience simple for customers.
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A better way to accept ACH payments

Direct Bank Payments
Let customers pay directly from their bank account through a simple, secure payment experience. ACH remains the payment method, with no card or new customer account required.
Plaid Bank Verification
Securely connect and verify bank account information before qualifying payments are initiated, adding another layer of confidence before the money moves.

Verify funds before initiating payment

More confidence before the ACH payment begins
Pay by Bank 2.0 uses Plaid to verify that funds are available to cover the transaction before an ACH payment is initiated. Plaid verifies available funds but does not place a hold on those funds.

Help reduce certain ACH return risks with better account verification and bank information.
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Plaid verifies available funds but does not reserve or place a hold on those funds.

More control over how payments are verified

Secure Verification.

Plaid verifies that sufficient funds are available before the payment is initiated.
Elevate your brand in style. Our all-in-one branding package is perfect for businesses ready to level up with a cohesive look and feel.
Brand kit design (type, color palette, royalty free stock imagery)
Brand kit design (type, color palette, royalty free stock imagery)
Brand kit design (type, color palette, royalty free stock imagery)
Automatic $5K Verification.

Transactions of $5,000 or more automatically require Plaid verification before the ACH payment is initiated.
Elevate your brand in style. Our all-in-one branding package is perfect for businesses ready to level up with a cohesive look and feel.
Brand kit design (type, color palette, royalty free stock imagery)
Brand kit design (type, color palette, royalty free stock imagery)
Brand kit design (type, color palette, royalty free stock imagery)
Flexible Setup

For transactions under $5,000, verification can be configured based on the needs of your business.
Elevate your brand in style. Our all-in-one branding package is perfect for businesses ready to level up with a cohesive look and feel.
Brand kit design (type, color palette, royalty free stock imagery)
Brand kit design (type, color palette, royalty free stock imagery)
Brand kit design (type, color palette, royalty free stock imagery)

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Speak with our team to get started—we’re here to make the process smooth, strategic, and aligned with your goals.
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Pay by Bank 2.0 FAQs

Learn how Plaid verification works, when it is required, and what customers can expect when paying directly from their bank account.

Pay by Bank 2.0 allows customers to pay directly from their bank account through ACH. Plaid adds account and available-funds verification before qualifying payments are initiated.

The customer selects their financial institution through Plaid, securely authenticates with their bank, and chooses the account they want to use. They are then returned to complete the Pay by Bank transaction before the payment is processed through ACH.

No. Plaid verifies that funds are available to cover the transaction but does not reserve or place a hold on those funds.

Transactions of $5,000 or more automatically require Plaid verification before the ACH payment is initiated.

Yes. For payments under $5,000, Plaid verification can be configured at the merchant, customer, or individual transaction level.

No. Better account verification and bank information can help reduce certain ACH return risks, but Plaid verification does not eliminate the possibility of an ACH return.

Let’s build your system together.

Start building a smarter, faster way in the cloud to run your business, and let our team of experts implement SkyOS to best serve you.
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Still have questions?

Whether you’re ready to launch or just exploring, we’re here to help.
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