Powerful financial APIs for tech innovators

Seamless, scalable infrastructure for managing funds store, transfer, and reconcile money with ease.

await payments.transfer.create({
amount: 25075,
currency: "USD",
from_account: {
  id: "acct_everbank_112233445",
  bank: "EverBank",
  type: "Business Checking",
},
to_account: {
  id: "acct_chase_556677889",
  bank: "Chase",
  type: "Savings",
},
initiated_at: "2025-03-14T14:32:00Z",
status: "Pending",
});

Built for modern builders

Banking without barriers

Instantly open accounts, connect directly to payment networks, and build with flexible, future-ready tools—no outdated systems holding you back.

Get started Contact sales

ACH: Initiate ACH transactions, process both credits and debits, verify accounts in advance, and store frequently used details.
Bank accounts: Create flexible account structures with unlimited unique account numbers.
Cards: Generate custom cards for users, control authorizations in real-time, and set personalized limits.
Checks: Send customized checks globally via API or deposit them digitally using the dashboard.
Wires: Execute instant wire transfers anytime during Fedwire’s operating hours.
Real-time payments: Move funds to major banks within seconds instead of days.
FedNow: A new Federal Reserve payment system enabling round-the-clock money transfers between participating banks.
Payment scheduling: Automate and schedule payments in advance to streamline financial operations.

Raw, unfiltered APIs

Unfiltered, direct access to the Federal Reserve

Financial networks like Visa and FedACH have been refined over decades, but many tech companies add layers of abstraction that limit flexibility.

We do the opposite—giving you direct, unfiltered access to the Federal Reserve, Visa, and other networks. This means greater stability, fewer restrictions, and complete control over how you build.

Full data transparency
Reduced dependencies
Reliable infrastructure
Faster development cycles

STAT/34PQ-A24-7891#SECURE TERMINAL ACCESS#SYSTEM ONLINE 7856443127890654231099876 ID:NETWORK-PRIME TL93/alpha/2.5.8/active NODE:CENTRAL-HUB-07 UPTIME:3278.45h PACKET_INTEGRITY:99.87% ROUTING_TABLE:UPDATED ENV:PRODUCTION MEMORY:64GB/128GB CPU:32% THERMAL:NOMINAL AUTH_LEVEL:ADMINISTRATOR

CONN/95BT-R38-1265#DATA STREAM ACTIVE#BUFFER STABLE 3321567456789023418765432 STATUS:TRANSMITTING FS47/beta/9.3.1/nominal BANDWIDTH:1.28TB/s LATENCY:4.7ms ENCRYPTION:AES-256 PROTOCOL:TCP/IPV6 FIREWALL:ENABLED GATEWAY:192.168.0.1 DNS:PRIMARY VPN:CONNECTED LOCATION:SECURE-FACILITY-12

PROC/72KM-D19-6543#RUNTIME ENVIRONMENT#TASK QUEUE 1122334455667788990011223 MODE:PRIORITY-HIGH VX26/gamma/1.7.4/running THREADS:128 PROCESS_ID:45921 SCHEDULER:REALTIME DEPENDENCIES:LOADED COMPILER:V12.4.5 BUILD:STABLE-8734 CACHE:OPTIMIZED STACK:4096MB HEAP:16GB ARCHITECTURE:X64 VIRTUALIZED:TRUE

Transfer funds with reliability

Automate ACH, wire transfers, real-time payments, and even physical checks.

ACH: Initiate ACH transactions, process both credits and debits, verify accounts in advance, and store frequently used details.
Bank accounts: Create flexible account structures with unlimited unique account numbers.
Cards: Generate custom cards for users, control authorizations in real-time, and set personalized limits.
Checks: Send customized checks globally via API or deposit them digitally using the dashboard.

Attentive

Attentive partners with leading brands to enhance customer engagement through intelligent messaging.

Learn more

await payments.transfer.create({
    amount: 25075,
    currency: "USD",
    from_account: {
      id: "acct_everbank_112233445",
      bank: "EverBank",
      type: "Business Checking",
    },
    
    to_account: {
      id: "acct_chase_556677889",
      bank: "Chase",
      type: "Savings",
    },
    
    initiated_at: "2025-03-14T14:32:00Z",
    status: "Pending",
    });

ACH Transfer

$275.50

Transfer initiated The wheels are in motion!
Mar 12, 08:15 AM
Stamp of approval Johnny Mnemonic gave it the nod.
Mar 12, 09:47 AM
Off to the Feds Sent to the Federal Reserve...
Mar 12, 09:50 AM
Money landed Settled with the recipient bank.
Mar 12, 3:30 PM
Final release Funds will be good to go on March 14!
Mar 14

Tailored Compliance

Take control of your customer relationships

You understand your customers better than any platform ever could. Instead of a generic approach, we collaborate with you to build a compliance program that fits your business.

Manage risk profiles: Decide which risk profiles align with your business.
Custom onboarding: Set identity requirements that match your customers' needs.
In-house monitoring: Oversee transactions with your own system.
Streamlined tools: Optimize workflows to make compliance reporting effortless.

Tailored Compliance

Take control of your customer relationships

Automate ACH, wire transfers, real-time payments, and even physical checks.

await payments.transfer.create({
        amount: 50000,
        currency: "USD",
        from_account: {
            id: "acct_bank_123456",
            bank: "Bank of America",
            type: "Checking",
        },
        to_account: {
            id: "acct_wells_789012",
            bank: "Wells Fargo",
            type: "Savings",
        },
        initiated_at: new Date().toISOString(),
        status: "Processing",
    });

Programmatically open unlimited bank accounts of any type.

Transactions are processed securely.
Instant notifications for every transaction.
Easily manage multiple accounts from one dashboard.

fetch("https://api.payments.com/ach-transfer", {
    method: "POST",
    headers: {
        "Content-Type": "application/json",
        Authorization: "Bearer your_api_key",
    },
    body: JSON.stringify({
        amount: 75000,
        currency: "USD",
        fromAccount: "acct_123456",
        toAccount: "acct_789012",
        memo: "Monthly rent payment",
    }),
})
.then(response => response.json())
.then(data => console.log("Transfer successful:", data))
.catch(error => console.error("Error initiating transfer:", error));

Cards can be used immediately upon creation.

No hidden fees or maintenance charges.
Easily integrate with third-party financial tools.
24/7 customer support for all account-related queries.

fetch("https://api.payments.com/ach-transfer", {
    method: "POST",
    headers: {
        "Content-Type": "application/json",
        Authorization: "Bearer your_api_key",
    },
    body: JSON.stringify({
        amount: 75000,
        fromAccount: "acct_123456",
        toAccount: "acct_789012",
        memo: "Placeholder transaction",
    }),
})
.then(data => {
    console.log("Transfer completed:", data);
    return data;
})

Cards become usable instantly upon creation.

Virtual and physical cards are available.
Set spending limits for better control.
Instantly freeze or unfreeze your card if needed.

fetch("https://api.payments.com/create-card", {
    method: "POST",
    headers: {
        "Content-Type": "application/json",
        Authorization: "Bearer your_api_key",
    },
    body: JSON.stringify({
        userId: "user_987654",
        cardType: "Debit",
        currency: "USD",
        limit: 5000,
    }),
})
.then(response => response.json())
.then(data => {
    console.log("Card created successfully:", data);
    return data;
})
.catch(error => {
    console.error("Error creating card:", error);
});

Our streamlined API allows direct file uploads.

Mobile check deposits are processed quickly.
Ensure the check is properly endorsed before depositing.
Funds may take 1-2 business days to become available.

fetch("https://api.payments.com/deposit-check", {
    method: "POST",
    headers: {
        "Content-Type": "application/json",
        Authorization: "Bearer your_api_key",
    },
    body: JSON.stringify({
        accountId: "acct_112233",
        amount: 25000,
        currency: "USD",
        checkNumber: "CHK789654",
    }),
})
.then(response => response.json())
.then(data => {
    console.log("Check deposit successful:", data);
})
.catch(error => {
    console.error("Error depositing check:", error);
});

Automatically generate ACH debits.

Accounts and account numbers are separate.
Accounts are available to use immediately.
Funds are insured by the FDIC.

Exabeam

"Exabeam’s approach to tailored compliance, combined with how they’ve integrated security intelligence and automation into a seamless platform, has been incredibly valuable."

See how Exabeam is leveraging advanced analytics for cybersecurity innovation

Read Exabeam case study

Pricing

Fees

For fintech platforms handling customer transactions or businesses with substantial balances, we provide tailored pricing. Reach out to us for more information.

Contact sales

ACH Processing

Same-day ACH transfers

$1.50

/ transaction
Next-day ACH transfers

$0.40

/ transaction
ACH return processing

$4.00

/ transaction
Unauthorized return handling

$12.00

/ transaction
Late return request processing

$20.00

/ transaction

Wire Processing

Wire transfer initiation

$12.00

/ transaction
Wire drawdown request

$12.00

/ transaction
International wire transfers

$15.00

/ transaction
Wire transfer tracking

$5.00

/ transaction
Wire recall processing

$25.00

/ request

Check Issuing

Check printing & mailing (Sbianco fulfilled)

$2.50

/ check
Bulk check issuing

$2.00

/ check
Certified check processing

$10.00

/ check
Stop payment request

$20.00

/ check

Powerful financial APIs for tech innovators

Business account

Emma Martinez

Description

Company name

Banking without barriers

Unfiltered, direct access to the Federal Reserve

Transfer funds with reliability

Attentive

Take control of your customer relationships

Take control of your customer relationships

"Exabeam’s approach to tailored compliance, combined with how they’ve integrated security intelligence and automation into a seamless platform, has been incredibly valuable."

Fees

ACH Processing

Wire Processing

Check Issuing