Guaranteed ACH Payments: Simplified Payins with Open Banking
Accept bank payments instantly and securely — whether you run an e-commerce or a fintech platform. Simplify your collection process, reduce friction, and improve cash flow with our Payins solution.
What are ACH Payments?
Payins allow your business to receive payments directly from your customers’ bank accounts.
With Floid, you can integrate payins seamlessly into your payment flow, offering an efficient, secure, and scalable solution for payment collection.
ACH payments in the United States are facilitated by Floid through third-party partners licensed as Money Transmitters (MTLs) in accordance with applicable laws. Floid does not hold, manage, or access user funds at any stage of the transaction.
Problems we solve
Guaranteed ACH Payments
Floid helps ensure that the money reaches the destination account, creating immediacy where users previously had to wait between 1 to 3 days for payment confirmation. All of this is made possible by connecting to the ACH payment rail through licensed partners and an ACH fraud score.
Payment delays
Approve payments instantly, without waiting for card settlement or third-party intermediaries.
Payment rejections and fraud risk
Minimize failed transactions and fraud attempts with secure, account-to-account payments.
Inefficient deposit processing in platforms
Companies often face high drop-off rates and operational delays due to outdated or manual deposit flows. With Floid, users can fund their accounts instantly via secure bank transfers, improving the user experience.
How it works
1. Validate consumer account & balance check
User logins with bank credentials and shares financial information with Floid.
2. Floid runs an ACH probability success score
Floid guarantees the delivery of ACH payments to our clients, allowing for instant disbursement to consumers.
3. Normal ACH payment is initiated
The payment is processed from consumer to client account (1 to 3 days).
4. Payment settlement
Access detailed reports and transaction data in your Floid dashboard.
Why choose Floid’s Payins solution?
Reduce fraud in payments
Floid analyzes the users account in order to ensure the payment reaches its destination.
Frictionless user experience
Your customers can pay directly from their bank account, without leaving your website or app.
Seamless API integration
Our robust API allows for fast and secure implementation.
Bank-grade security
We comply with international security standards, including ISO 27001 and PCI Compliance.
Smart Routing technology
Our infrastructure ensures every transaction finds the fastest and safest route.
24/7 support
Our team is available around the clock to assist you and guarantee smooth operations.
How Payins drive real business results
Higher conversion rates and better checkout experience
Make it easier for your customers to complete payments through bank transfers and direct account payments. Streamline the checkout process and boost your conversion rates.
Reduce operational expenses and friction
Eliminate intermediaries and reduce fees associated with card payments. Optimize your payment flow with local payment methods and lower your transaction costs.
Full financial control and visibility
Get real-time access to each customer payment and receive real-time notifications on every transaction. Streamline your accounting process.
Improve Your Financial Operations
Discover how our Open Banking platform can optimize your business.
"Having access to our clients' updated financial information allows us to understand them better, be closer to them, and offer products and benefits tailored to their needs, which is extremely valuable for both the Bank and our clients. This is achieved through Floid, with fully digital solutions that are easy to implement and the guidance of a top-tier team."
