---
sidebar_position: 1
title: Payment Gateways (Stripe & Plaid)
description: Connecting payment gateways and open banking networks for automated credit card, ACH Direct Debit, and bank feed settlement.
keywords:
  - payment gateways
  - Stripe integration
  - Plaid bank auth
  - ACH direct debit
---

# Payment Gateways (Stripe & Plaid)

**Payment Gateways in GAAPx** enable seamless collection of recurring SaaS subscriptions and large enterprise invoices via automated credit card charges, ACH Direct Debit, and bank feed synchronization.

:::info SCREENSHOT PLACEHOLDER: Payment Gateway & Settlement Dashboard
**Location in App**: `App > Payments > Gateways`  
**Visual Description**: Gateway overview showing active Stripe account status, Plaid bank feed connections, daily settlement totals, and fee schedules.  
**Recommended Dimensions**: `1200 x 675`  
:::

---

## Supported Processing Methods

### 1. Stripe (Credit Card & ACH)
* **Tokenized Auto-Pay**: Securely captures customer credit cards and bank tokens for automated billing schedule charges.
* **Hosted Payment Links**: Dispatches 1-click payment links on invoice emails with zero customer login requirements.
* **Fee Accounting**: Automatically splits gross collections and Stripe processing fees into designated GL expense accounts.

### 2. Plaid (Open Banking & Instant Micro-Deposits)
* **Instant Account Verification**: Allows enterprise customers to authorize ACH Direct Debit without waiting for traditional 2-day micro-deposits.
* **Bank Feed Integration**: Pulls live transaction statements from major banks (JPMorgan Chase, Silicon Valley Bank, Bank of America, Wells Fargo) to feed the cash application engine.