> ## Documentation Index
> Fetch the complete documentation index at: https://docs.gr4vy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank payments

> Choose how to accept payments from a buyer's bank account: a redirect to the provider, a bank account stored in Gr4vy, or Pay by Bank with Plaid.

Gr4vy offers three ways to accept a payment from a buyer's bank account. They differ in who collects the bank account and who keeps it, so start by deciding which of those you need.

| | Redirect | Bank account | Pay by Bank with Plaid |
| - | - | - | - |
| **Who collects the account** | The provider, on its own page | You, through the API | Plaid Link, in your checkout |
| **Who stores the account** | The provider | Gr4vy | Gr4vy |
| **Payment method in the API** | The method itself, for example `ach`, `sepa`, or `ideal` | `bank` | `plaid` |
| **Schemes** | Depends on the method | ACH, SEPA, and BACS | ACH, SEPA, and BACS |
| **Connectors** | One per provider and method, for example [ACH Direct Debit via Adyen](/connections/payments/adyen-ach) | [Bank account connectors](/connections/payments/bank#supported-connectors) | [Plaid](/connections/payments/plaid-bank), plus a bank account connector to process the payment |

In these docs, connectors titled **Bank account** take accounts that Gr4vy stores. Connectors titled after a method, such as **ACH Direct Debit** or **iDEAL | Wero**, redirect the buyer to the provider.

## Redirect

The buyer is sent to the provider's page, or to their own bank, to enter or choose their account. The provider keeps the account details, and Gr4vy doesn't store them. Use a redirect connector when the provider already offers the method you want, including local bank methods such as iDEAL | Wero, Pix, or SPEI.

Browse the redirect bank methods by [country](/connections/payments/by-country) or [currency](/connections/payments/by-currency), or filter the [connection catalog](/connections/catalog?category=bank) by the Banking category.

<Note>
  Adyen's [Pay by Bank (redirect)](/connections/payments/adyen-paybybank) also uses Plaid, but Adyen runs the Plaid flow on its own page and keeps the account. It's a redirect connector, separate from Gr4vy's Pay by Bank with Plaid.
</Note>

## Bank account

You submit the buyer's bank account details, such as an account number and routing number, or an IBAN, and Gr4vy stores the account. A bank account connector then sends the payment to the provider. Use this when you already collect bank details in your own onboarding, or when you want to reuse a stored account for later payments.

See [Bank accounts](/connections/payments/bank) for the fields for each scheme and the connectors that process them.

## Pay by Bank with Plaid

The buyer links their bank account through Plaid Link in your checkout, and Gr4vy stores the linked account. A bank account connector, or Plaid Transfer, then processes the payment. Use this when you want buyers to choose their bank rather than type in account numbers.

See [Plaid](/connections/payments/plaid-bank) to set it up.


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