Bill switching API that captures bills at onboarding

Our bill switching API integrates directly into your account activation workflow, so customers can easily port recurring bill payments to their new account when intent is highest.

Capturing direct deposit is only half of the primacy battle. Enable in-app ACH payment and card-on-file updates across major billers, helping customers cut ties with their legacy bank.

Reduce fraud and manual errors
Enable direct-deposit repayment
FCRA-permissible income insights

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Credit karma
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Credit karma
Detect bills instantly
Present a consolidated view of customers’ recurring bills with 80% more accuracy than competitive services.
Instantly swap ACH payments
Capture customers’ largest and most important bills at account opening —
ensuring early share of wallet.
Easily switch card-on-file
Delight customers with 1-click switching for the 100+ most common merchants and guided switching for 150K+ more.
Bill Switch

Help customers cut ties with their legacy bank with in-app ACH payment and card-on-file switching.

Learn more about Bill Switch  ➔
Detect bills instantly
Present a consolidated view of customers’ recurring bills with 80% more accuracy than competitive services.
Instantly swap ACH payments
Capture customers’ largest and most important bills at account opening —
ensuring early share of wallet.
Easily switch card-on-file
Delight customers with 1-click switching for the 100+ most common merchants and guided switching for 150K+ more.

See Bill Switch in action

See how you can embed deposit switching directly into account opening, helping capture primacy from day one while driving faster activation, higher funding rates, and stronger long-term engagement.
Tap through an interactive demo to explore how our bill switching API can be embedded directly into your account activation workflow.

Market leading coverage

100
+
Direct merchant integrations for 1-click switching
80
%
+
Better acuracy vs. comparable solutions
150,000
+
Merchants autodetected and monitored

How Varo Bank drives primacy with our bill switching API

Varo’s customers can review upcoming due dates, select when each bill’s payment source should change, and complete the entire process without leaving the app. 40%of users who linked external accounts and auto-identified recurring bills went on to switch at least one bill.
Read the case study  ➔
Earn primacy day one

Reduce drop-off, accelerate account primacy, and increase the likelihood that newly opened accounts become fully transitioned relationships — not secondary accounts.

Talk to our team