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连接用户的金融账户

Stripe Financial Connections 让您的用户安全地分享他们的财务数据，使您得以简化支付流程、减少欺诈、承保风险、构建新产品等。一次集成即可检索财务数据，并通过 Stripe 的互操作 API 转移资金或构建金融产品。

运作机制

连接财务账户的最简单方式

短短几秒，您的用户即可关联他们的金融账户，从而改善付款和产品体验。

通过我们预构建的流程验证用户身份

将我们的验证流程嵌入到您的移动应用或网站，也可以通过管理平台轻松将它添加到我们的支付 UI。简化账户验证流程，为用户提供流畅体验，从而最大程度提升客转率。

使用 Stripe.js 或适用于 Android 和 iOS 的移动 SDK，就能添加我们的托管身份验证流程。

https://connect.secure.wellsfargo.com/auth/login/present?app_descr
用户名 aleeyalancester
密码
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即时连接 97% 以上的美国银行账户

即时验证银行账户，检索 5000 家金融机构的授权数据。对于其他美国金融机构，备选方案是使用我们的托管微存款流程。

Northwest Bank
Ally Bank
Redstone FCU
Bank of the West
First United Bank
Boeing Employee Credit Union
Fifth Third Bank
Santander Bank
TwinStar Credit Union
Academy Bank
US Bank
Spokane Teachers Credit Union
Discover Bank
Capital One
Baxter Credit Union
CoVantage CU
First National Bank
Suncoast Credit Union
Robins Financial Credit Union
Community Bank NA
Northwest Bank
Ally Bank
Redstone FCU
Bank of the West
First United Bank
Boeing Employee Credit Union
Fifth Third Bank
Santander Bank
TwinStar Credit Union
Academy Bank
US Bank
Spokane Teachers Credit Union
Discover Bank
Capital One
Baxter Credit Union
CoVantage CU
First National Bank
Suncoast Credit Union
Robins Financial Credit Union
Community Bank NA
Schools First Federal Credit Union
Centennial Bank
Chase
University FCU
America First Credit Union
PNC Bank
Utah Community Credit Union
TD Bank
Teachers Credit Union
IBERIABANK
Woodforest National Bank
Golden 1 Credit Union
First Commonwealth Bank
Citadel Federal Credit Union
Grow Financial FCU
Comerica Bank
American Savings Bank
Keesler FCU
Police and Fire FCU
Schools First Federal Credit Union
Centennial Bank
Chase
University FCU
America First Credit Union
PNC Bank
Utah Community Credit Union
TD Bank
Teachers Credit Union
IBERIABANK
Woodforest National Bank
Golden 1 Credit Union
First Commonwealth Bank
Citadel Federal Credit Union
Grow Financial FCU
Comerica Bank
American Savings Bank
Keesler FCU
Police and Fire FCU
M&T Bank
Bank of Hawaii
Patelco Credit Union
Webster Bank
Redwood Credit Union
Eastman Credit Union
Alpine Bank
Empower Federal Credit Union
First Interstate Bank
Liberty Bank
VyStar Credit Union
Simmons Bank
First Hawaiian Bank
Educators Credit Union
Mercury Bank
Gate City Bank
Veridian CU
Zions Bank
Glacier Bank
Michigan State University FCU
M&T Bank
Bank of Hawaii
Patelco Credit Union
Webster Bank
Redwood Credit Union
Eastman Credit Union
Alpine Bank
Empower Federal Credit Union
First Interstate Bank
Liberty Bank
VyStar Credit Union
Simmons Bank
First Hawaiian Bank
Educators Credit Union
Mercury Bank
Gate City Bank
Veridian CU
Zions Bank
Glacier Bank
Michigan State University FCU
Bank of America
Banco Popular
Bethpage FCU
Hills Bank and Trust Company
Mountain America Credit Union
Prosperity Bank
City National Bank of West Virginia
Navy Federal Credit Union
Fidelity Investments
Old National Bank
First Tech Federal Credit Union
Marcus by Goldman Sachs
Horizon Bank
State Employees Credit Union
Coastal Federal Credit Union
Banner Bank
South State Bank
Randolph Brooks FCU
Fairwinds Credit Union
IBC Bank
Bank of America
Banco Popular
Bethpage FCU
Hills Bank and Trust Company
Mountain America Credit Union
Prosperity Bank
City National Bank of West Virginia
Navy Federal Credit Union
Fidelity Investments
Old National Bank
First Tech Federal Credit Union
Marcus by Goldman Sachs
Horizon Bank
State Employees Credit Union
Coastal Federal Credit Union
Banner Bank
South State Bank
Randolph Brooks FCU
Fairwinds Credit Union
IBC Bank
USAA Bank
Truliant Federal Credit Union
Union Bank
Wings Financial Federal Credit Union
Regions Bank
OnPoint Community Credit Union
Citizens Bank
Lake Michigan Credit Union
Wells Fargo
Huntington Bank
ESL Federal Credit Union
Key Bank
Arvest Bank
GreenState Credit Union
Logix FCU
Chime
Frost National Bank
Bellco Credit Union
Pinnacle Financial Partners
BB&T Bank
USAA Bank
Truliant Federal Credit Union
Union Bank
Wings Financial Federal Credit Union
Regions Bank
OnPoint Community Credit Union
Citizens Bank
Lake Michigan Credit Union
Wells Fargo
Huntington Bank
ESL Federal Credit Union
Key Bank
Arvest Bank
GreenState Credit Union
Logix FCU
Chime
Frost National Bank
Bellco Credit Union
Pinnacle Financial Partners
BB&T Bank

输入几行代码，便能访问用户分享的数据

通过单一的 Stripe 集成连接用户的账户，并支持入驻及付款等常见流程，从而减少开发时间。

{ id: "fca_zbyrdjTrwcYZJZc6WBs6GPid", object: "financial_connections.account", accountholder: { customer: "cus_1JAIzfJIR74v5t0MW8ioa9T8", type: "customer" }, created: 1618725600, display_name: "Basic Checking", institution_name: "GPTN Bank", last4: "6789", livemode: true, status: "active", category: "cash", subcategory: "checking", supported_payment_method_types: [ "us_bank_account", ], permissions: ["payment_method"] }
{ id: "fca_abc", object: "financial_connections.account", balance: { as_of: 1651516592, cash: { available: { usd: 6000 } }, current: { usd: 6000 } type: "cash" }, balance_refresh: { status: "succeeded", last_attempted_at: 1651516582 }, // ...rest of FinancialConnectionsAccount resource }
{ id: "fca_zbyrdjTrwcYZJZc6WBs6GPid", object: "financial_connections.account", ownership: { id: "fcaowns_1Ko9YoGxLVUXRs6HoUfiSHWn", object: "financial_connections.account_ownership", created: 1483315442, owners: { object: "list", data: [ { name: "John Smith", ownership: "fcaowns_1Ko9YoGxLVUXRs6HoUfiSHWn", raw_address: "123 Main St Anytown, NY 10001", refreshed_at: 1483920000 } ], has_more: false, url: "/v1/financial_connections/accounts/fca_zbyrdjTrwcYZJZc6WBs6GPid/owners?ownership=fcaowns_1Ko9YoGxLVUXRs6HoUfiSHWn" } }, ownership_refresh: { status: "succeeded", last_attempted_at: 1618725600 } }
{ object: "list", url: "/v1/financial_connections/transactions?account=fca_1KhU7f2SltYkNIR4wgPkANPP", has_more: false, data: [ { id: "fctxn_1JwjM1AfHRp7nlnyiTU5JlpS", object: "financial_connections.transaction", livemode: true, account: "fca_1KhU7f2SltYkNIR4wgPkANPP", amount: -1000, currency: "usd", status: "posted", description: "Payment to Rocket Rides", posted_at: 1860000, transacted_at: 1860000, }, {...} ] }

即时验证银行账户

检索令牌化账户及路径号码，在 ACH 直接借记、提现及进行其他类型的资金转移时验证银行账户。
  • 广泛覆盖 97% 以上的美国银行账户
  • 可以与 Stripe ACH 直接借记、Connect 和预先构建的支付 UI（如 Checkout å’Œ Payment Links）互操作
  • 适用所有美国金融机构的托管微存款后备验证方案

检查账户余额

扣款前先拉取余额数据，以确认用户有足够资金。还可用余额来构建金融管理产品或为这些产品作担保。
  • 待处理余额
  • 可用余额
  • 可以与 Stripe ACH 直接借记、Connect 和预先构建的支付 UI（如 Checkout å’Œ Payment Links）互操作

确认银行账户所有权

验证所有权，将提现或接受付款时的欺诈风险降到最低。
  • 账户所有者的姓名
  • 账户所有者地址
  • 可以与 Stripe Identity、Custom Connect 和预构建的支付 UI（如 Checkout å’Œ Payment Links）互操作

检索历史交易

获取用户的现金流、收入、消费习惯等数据，从而构建财务管理工具或提供金融服务。
  • 拉取 180 天交易数据
  • 每天都可以通过 API 获得新的交易数据

一体化堆栈

更好的开发人员和用户体验

轻松集成

使用单个 Stripe 集成应用连接用户的账户，转移资金并构建金融产品。

隐私和透明度

通过仅访问所需数据、明确所分享的数据以及分享对象，赢得用户的信任。

全面覆盖

即时连接 97% 以上的美国银行账户，并安全地检索用户同意分享的数据。

为更优转化率打造

通过简化账户验证和数据分享流程，减少结账和其他过程中的阻力。

使用案例

利用财务数据构建更好的产品和流程

通过安全地访问用户的财务数据，您可以简化入驻和支付等常见流程，并构建新产品来帮助用户管理资金。由于 Financial Connections 与 Stripe 的其他部分完全可互操作，因此它可以轻松连接到用户的账户，以改善支付和产品体验。

简化付款和提现流程

通过即时验证银行账户，助力安全可靠的 ACH 直接借记付款、提现及其他类型的资金转移。在发起扣款前检查账户余额，避免资金不足导致付款失败。

Financial connections invest.latin-cn

验证银行账户所有者

通过在发起提现或接受付款前确认银行账户所有权来减少欺诈。Financial Connections 可与 Stripe Identity 搭配使用，用于验证用户身份，确认其是银行账户的所有者。

Financial connections account settings.latin-cn

用财务数据承保风险

降低处理付款或提供金融服务时的损失风险。更进一步，查看用户的现金流、收入来源及还款能力。

Financial connections payout.latin-cn

推出财务管理工具

为用户搭建资金管理产品。使关于用户账户和支付的数据一体化，便于他们更好地管理现金流，了解收入情况。

Financial connections invest.latin-cn

数据隐私和透明度

优先考虑隐私，构建用户信任

您的用户应该始终能够掌控他们的财务数据。通过 Financial Connections，您可以向用户承诺，您只能访问他们同意分享的数据。

连接账户前，用户可以看到：

  • 他们分享哪几类数据
  • 谁可访问他们的数据
  • 如何断开账户

我们通过以下方式保障用户数据的安全：

  • 优先连接 OAuth，减少分享登录证书的次数
  • 仅允许您访问所请求获取的数据
  • 加密传输中的数据及静态数据
访问财务数据 选择所有适用的项
数据类型
预览终端用户体验：

我们很高兴能与 Stripe 合作，让我们的客户通过 ACH 进行付款，不必等待几天来验证微存款。这对我们的客户和我们的开发团队来说都是好事。客户可以更容易地使用首选的支付方式，我们的开发团队则可以使用单一的集成应用来管理付款和银行账户验证流程。

Alex Doroftei，Zoom 全球支付总监

利用 Stripe Financial Connections，创作者在加入 Nifty Gateway 时数秒内即可关联银行账户。不会再输错账号了，提现也不会延迟了，它真的有用。

Patrick McLaren，Nifty Gateway 首席运营官

准备好开始了？

开始连接用户的金融账户，提升支付和产品体验。

常见问题

了解 Stripe 是如何处理敏感的财务数据的。

ACH 直接借记

Stripe 的 ACH 直接借记自带由 Financial Connections 提供的内置即时银行账户验证功能。

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