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Instantly open accounts, connect directly to payment networks, and build with flexible, future-ready tools—no outdated systems holding you back.
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ACH
Initiate ACH transactions, process both credits and debits, verify accounts in advance, and store frequently used details.
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Bank accounts
Create flexible account structures with unlimited unique account numbers.
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Cards
Generate custom cards for users, control authorizations in real-time, and set personalized limits.
Learn more
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Checks
Send customized checks globally via API or deposit them digitally using the dashboard.
Learn more
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Wires
Execute instant wire transfers anytime during Fedwire’s operating hours.
Learn more
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Real-time payments
Move funds to major banks within seconds instead of days.
Learn more
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FedNow
A new Federal Reserve payment system enabling round-the-clock money transfers between participating banks.
Learn more
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Payment scheduling
Automate and schedule payments in advance to streamline financial operations.
Learn more
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.
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Full data transparency
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Reduced dependencies
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Reliable infrastructure
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Faster development cycles
Transfer funds with reliability
Automate ACH, wire transfers, real-time payments, and even physical checks.
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ACH
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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.
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Checks
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Send customized checks globally via API or deposit them digitally using the dashboard.
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",
});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.
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Manage risk profiles
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Decide which risk profiles align with your business.
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Custom onboarding
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Set identity requirements that match your customers' needs.
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In-house monitoring
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Oversee transactions with your own system.
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Streamlined tools
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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.
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Transactions are processed securely.
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Instant notifications for every transaction.
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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.
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No hidden fees or maintenance charges.
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Easily integrate with third-party financial tools.
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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.
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Virtual and physical cards are available.
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Set spending limits for better control.
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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.
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Mobile check deposits are processed quickly.
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Ensure the check is properly endorsed before depositing.
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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.
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Accounts and account numbers are separate.
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Accounts are available to use immediately.
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Funds are insured by the FDIC.
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.
-
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.
Straightforward
Complete Insights
Access detailed transaction data directly from the Check21 system for full transparency.
Deposit Information
Receive deposit timestamps and check images from the recipient bank for full transparency.
Fraud Detection
Advanced AI-powered fraud monitoring helps prevent unauthorized transactions.
Instant Transfers
Send and receive money instantly with no hidden fees or delays.
24/7 Customer Support
Get help anytime with our dedicated support team, available around the clock.
Built for modern builders
Banking without barriers
Instantly open accounts, connect directly to payment networks, and build with flexible, future-ready Plus—no outdated systems holding you back.
