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Platform Cornerstones

Bank Agnostic

Our platform works with all U.S. banks and credit unions. There’s no need to change your primary banking relationship to work with us.
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Branded Experience

Maintain your branding and control your user experience while leveraging our robust payments technology.
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Configurable API

Build a payments experience tailored to your business and customer needs.
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Scalable Infrastructure

A tested platform that is highly available and scalable to grow with your increasing business needs.
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Tokenization

Interactions result in unique identifiers instead of transmitting sensitive data.
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Funds Flows

Send

Send funds to your users.

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Receive

Collect funds from your users.

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Facilitate

Move funds between two users.

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Me-to-Me

Move funds between two accounts owned by the same user.
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Combination

Utilize a combination of two, three or all funds flows to meet the payments needs of your users.
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Transfer Types

Standard ACH

Move funds in and out of external bank accounts, using standard ACH processing times.
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Balance-to-Balance Transfers

Move funds instantly between two users in your application.
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Next Day ACH

Speed up your transfers with next day availability.
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Same Day ACH

Expedite your payments with same day ACH timing.
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Push-to-Debit

Send money to a debit card to increase the availability and speed of payments to your users.
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Wire

Enable incoming and outgoing real-time wire transfers.
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Customer Types

Verified Customer

Allow a user to send, receive and hold a balance on your application.
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Unverified Customer

Enable a user to send or receive funds with only a name and email address.
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Receive Only User

Enable a user to receive funds with only a name and email address.
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Platform Features

Addenda Records

Add payment-related details to an ACH transfer with specific, customizable transaction information.
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Automated Notifications

Different customer types and markets require different messaging requirements. We’ve standardized nearly 40 of them.
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Digital Wallet Functionality

Each client account and Verified Customer is designated a balance to hold funds within your application.
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Bank Verification

Verify any U.S. bank or credit union account with Instant Account Verification or micro-deposits.
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