Adyen - Pay by Bank (redirect)

Adyen is a global payment technology company founded in 2006 in Amsterdam, Netherlands. The company provides a single platform for accepting payments across online, mobile, and in-store channels for major enterprises worldwide including Uber, Spotify, and Microsoft. Pay by Bank (US) is Adyen’s open banking payment method for the US market, powered by Plaid. The buyer is redirected to Plaid to select and authenticate with their bank. Plaid runs balance and risk checks at the time of authorization, and the payment settles over the ACH Direct Debit network. Adyen runs the Plaid flow on its own page, and Adyen keeps the bank account. This is separate from Gr4vy’s own Pay by Bank with Plaid, where Gr4vy links and stores the bank account.

Four Adyen connectors debit a buyer’s bank account. Pick the one that matches who collects the account:

ACH Direct Debit (redirect): the buyer enters their account and routing numbers on Adyen’s page, and Adyen keeps them.
SEPA (redirect): the buyer enters their IBAN on Adyen’s page, and Adyen keeps it.
Pay by Bank (redirect): Adyen sends the buyer to Plaid to choose their bank. US only.
Bank account (ACH, SEPA, BACS) (stored in Gr4vy): you send the bank account details or a Plaid-linked account, and Gr4vy stores the account. Use this connector to charge bank accounts that you import into Gr4vy.

Setup

Please follow the common Adyen instructions to get set up with Pay by Bank (US). Next, contact Adyen to enable Pay by Bank (US) on your merchant account. Adyen requires merchants to be registered with Plaid before go-live, which can take up to one week.

Supported countries

Supported currencies

Capabilities

Integration

Pay by Bank (US) is always a redirect flow. After creating a transaction, the buyer is redirected to Plaid to select their bank and authenticate. After authentication, Plaid runs a balance check and the buyer is redirected back to your redirect_url.

Redirect integration

Create a new transaction using the paybybank method.

var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "USD",
        Country = "US",
        Intent = "capture",
        PaymentMethod =
            TransactionCreatePaymentMethod.CreateRedirectPaymentMethodCreate(
                new RedirectPaymentMethodCreate()
                {
                    Method = "paybybank",
                    Country = "US",
                    Currency = "USD",
                    RedirectUrl = "https://example.com/callback",
                }
            ),
    }
);

amount := int64(1299)
currency := "USD"
country := "US"
method := components.RedirectPaymentMethodCreateMethodPaybybank
redirectUrl := "https://example.com/callback"

redirectPaymentMethodCreate := components.RedirectPaymentMethodCreate{
    Method:      method,
    Country:     country,
    Currency:    currency,
    RedirectURL: redirectUrl,
}
paymentMethod := components.CreateTransactionCreatePaymentMethodRedirectPaymentMethodCreate(redirectPaymentMethodCreate)

transactionCreate := components.TransactionCreate{
    Amount:        amount,
    Currency:      currency,
    Country:       &country,
    Intent:        gr4vy.Pointer(components.TransactionIntentCapture),
    PaymentMethod: &paymentMethod,
}

transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)

CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
        .amount(1299L)
        .currency("USD")
        .country("US")
        .intent(TransactionIntent.CAPTURE)
        .paymentMethod(TransactionCreatePaymentMethod.of(RedirectPaymentMethodCreate.builder()
            .method(RedirectPaymentMethodCreateMethod.PAYBYBANK)
            .country("US")
            .currency("USD")
            .redirectUrl("https://example.com/callback")
            .build()))
        .build())
    .call();

Transaction transaction = transactionResponse.transaction().orElse(null);

$transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'USD',
    country: 'US',
    intent: 'capture',
    paymentMethod: new RedirectPaymentMethodCreate(
        method: 'paybybank',
        country: 'US',
        currency: 'USD',
        redirectUrl: 'https://example.com/callback'
    )
);
$response = self::$sdk->transactions->create($transactionCreate);
$transaction = $response->transaction;

transaction: models.Transaction = client.transactions.create(
    amount=1299,
    currency="USD",
    country="US",
    intent="capture",
    payment_method={
        "method": "paybybank",
        "country": "US",
        "currency": "USD",
        "redirect_url": "https://example.com/callback",
    }
)

const transaction = await gr4vy.transactions.create({
    amount: 1299,
    currency: "USD",
    country: "US",
    intent: "capture",
    paymentMethod: {
        method: "paybybank",
        country: "US",
        currency: "USD",
        redirectUrl: "https://example.com/callback"
    }
})

After the transaction is created, the API response includes payment_method.approval_url and the buyer_approval_pending status.

{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.sandbox.spider.gr4vy.app/connectors/adyen/apm.html?token=..."
  },
  "method": "paybybank"
}

Open the approval_url in a popup or redirect so the buyer can authenticate with their bank via Plaid. After the buyer completes the flow they are redirected to the redirect_url you provided when creating the transaction. Do not rely solely on the redirect — either poll the transaction or (recommended) rely on webhooks to detect the final status (for example capture_succeeded or failure states).

Pay by Bank (US) includes a Plaid balance check at authorization. If the selected bank account has insufficient funds, Adyen refuses the authorization and the transaction moves to a declined state.

Recurring payments

Pay by Bank (US) via Adyen supports storing the bank account after the first redirect. When you store the payment method, Gr4vy registers a recurring contract with Adyen so the stored bank account can be debited for subsequent transactions without requiring the buyer to go through the Plaid flow again. See Recurring payments for an overview of storing and reusing payment methods. Pay by Bank (US) via Adyen doesn’t support delayed capture, so always set intent to capture. To store the bank account without charging the buyer, create a transaction with an amount of 0, intent set to capture, and store set to true. A transaction with intent set to authorize finds no matching connection and fails with the error There is no active payment service for this transaction.

Testing

Adyen provides a Pay by Bank (US) sandbox for testing. Use the Plaid sandbox credentials (user_good / pass_good) when prompted during the redirect flow. Select an account with sufficient balance (for example, the savings account) to avoid the balance-check refusal.

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Adyen - Pay by Bank (redirect)

Setup

Supported countries

Supported currencies

Capabilities

Integration

Redirect integration

Recurring payments

Testing

​Setup

​Supported countries

​Supported currencies

​Capabilities

​Integration

​Redirect integration

​Recurring payments

​Testing

Setup

Supported countries

Supported currencies

Capabilities

Integration

Redirect integration

Recurring payments

Testing