Overview
If you are unable to link your bank account to Payova, the issue is usually due to bank-level restrictions, incorrect login details, or security checks. Payova uses Plaid connections with industry-standard encryption, so failures typically occur when your bank declines or blocks the connection.
Key Points
Payova never stores your banking credentials.
Your bank must authorize the connection.
Some business accounts or regional banks require additional steps.
Step-by-Step: Troubleshooting Bank Linking
Check Login Credentials
Ensure you are entering the same username and password you use for online banking.
Confirm that your online banking account is active.
Confirm Bank Eligibility
Plaid currently supports most U.S. banks.
International, prepaid, and some credit union accounts may not be eligible.
Resolve Bank Security Alerts
Some banks flag Plaid connections as unusual activity.
Log in to your bank’s app or call support to approve Plaid as a secure connection.
Retry in Payova
After verifying with your bank, attempt to link again under Wallet → Add Bank Account.
Contact Payova Support
If issues persist, email [email protected] with:
The name of your bank
The error message you received
Your registered Payova email address
Plaid Connection Issues
If your bank uses Plaid but the connection fails, the issue is usually related to your bank’s integration settings or temporary connection errors. Common Plaid connection issues include:
Bank Not Listed
If your bank does not appear during the linking process, it may not yet be supported. Visit the Plaid request page to ask Plaid to add your bank:
https://plaid.com/trouble-connecting/
Temporary Bank Connection Errors
Some banks temporarily block third-party connections during maintenance or security checks. Waiting a few minutes and retrying often resolves the issue.
Multi-Factor Authentication (MFA) Failures
Certain banks require additional security verification. Ensure you complete all verification prompts during the connection process.
Outdated Bank Login Credentials
If your bank recently required a password update, you may need to log in directly through your bank’s website first before attempting to reconnect.
If your bank is supported by Plaid but continues to fail during connection, review Plaid’s troubleshooting guide or request your bank be added using the link above. If the issue persists, consider linking a different supported bank account.
Policies & Restrictions
✅ Allowed
Linking your own U.S.-issued personal or business accounts.
Retrying after bank verification.
Contacting Support for manual review.
❌ Prohibited
Linking accounts you do not own.
Using unsupported international or prepaid accounts.
Attempting to bypass your bank’s fraud checks.
Security & Compliance
User Responsibilities
Ensure your banking credentials remain private.
Approve Plaid as a trusted connection if prompted by your bank.
Report any suspicious alerts to both your bank and Payova immediately.
Payova’s Practices
Uses tokenized Plaid links; Payova never stores your raw credentials.
All linking attempts are encrypted and monitored for fraud.
Fully compliant with PCI DSS, AML/KYC, and U.S. banking regulations.
Compliance Statement
Bank account connections are subject to Payova’s Terms of Service, Privacy Policy, and your bank’s security rules. Payova cannot override issuer declines or restrictions on linking certain accounts.
Need Help?
If you continue to experience issues, email [email protected] with your bank name, error message, and registered Payova email. Our team will review and escalate to our banking partners if necessary.