Payment Infrastructure
Every major U.S. payment rail
Every major U.S. payment rail
One bank partner, one platform
Originate ACH, send wires, settle RTP and FedNow in real time, push to Visa or Mastercard debit cards, acquire merchant payments. Used by commercial treasury teams and innovative, rapidly growing fintech partners on the same platform.
100K+
RTP transactions / day
Top 5
in TCH RTP
$50B
Total volume processed
As of December 31, 2025.
Six rails
Use one. Use all six. Same API.
Single API, infinite possibilities
Integrate once and access all payment rails through our unified API. No need to manage multiple integrations or worry about the underlying complexity.
REST and JSON-RPC, fully documented in our API docs
Webhooks for real-time payment status updates
Sandbox environment for testing
SDKs for popular programming languages
99.99% uptime SLA
payment.js
{
"method": "ledger.rtp.transfer",
"id": "1",
"params": {
"payload": {
"reason": "Invoice payment",
"product": "RTP",
"transactionDateTime": "2021-07-26 12:33:41",
"channel": "CLEARING_HOUSE",
"program": "743534534534544",
"reference": "60feaba59d795c000872b955",
"transactionType": "RTP_OUT",
"creditorAccount": {
"institution": {
"identification": "267084131",
"name": "1st Advantage FCU",
"identificationType": "ABA"
},
"identification": "8346868364836483",
"identificationType2": "CHECKING",
"identificationType": "ACCOUNT_NUMBER"
}
}
}
}Bank-grade security
Get API access
Tell us about your use case. Our team will set you up with sandbox credentials, walk you through the rails you need, and get you live faster.
- Sandbox credentials after a short intake process
- Dedicated solutions engineer
- Volume-based pricing
- Access to ACH, Wires, RTP, FedNow, and Push to Card (Visa Direct & Mastercard Send)
- Production launch support