When adding a bank account to a customer in Stripe, Stripe forces you to verify the bank account (either through microdeposits or through Plaid. This is useful because you don't want to withdraw money from a bank account that a user does not own. However when it comes to sending money to bank accounts, Stripe does not require you to verify the account. After all why would you send money to an account that you're not in control of. But lets face it, users make mistakes and its not uncommon for them to type their routing or account number which can significantly delay their transfers.
One way to prevent this is to get their routing and account number directly from their bank and avoid the possibility of user error. This is where Plaid comes in. Plaid provides instant ACH verification by having the user log into their bank account (similiar to what you may done if you've ever used Mint). The u