Integrations

PayStream integrates with leading financial services to provide seamless payout experiences.

Bank Verification

Service	Description
Plaid	Instant bank account verification - no micro-deposits needed

Payment Rails

PayStream supports multiple payment rails automatically:

Rail	Speed	Best For
Standard ACH	2-3 business days	Regular payouts
Same-Day ACH	Same business day	Urgent payouts
RTP	~30 seconds	Instant transfers
Push-to-Card	~30 seconds	Instant card payouts

Automatic Rail Selection

The system automatically selects the optimal rail based on:

1. Recipient capabilities - What payment methods they have
2. Amount - Some rails have limits
3. Urgency - Instant vs standard processing
4. Cost - Optimize for lowest fees

Configure in your tenant settings:

{
  "paymentSettings": {
    "enabledRails": ["standard", "same_day_ach", "rtp"],
    "aiRoutingMode": "balanced"
  }
}

Routing Modes

Mode	Description
cheapest	Always choose lowest cost rail
fastest	Always choose fastest rail
balanced	Balance cost and speed based on payment amount

Webhooks

Configure webhooks to receive real-time notifications about payment events. See Webhooks for details.