ACH, RTP, and instant payments for your SaaS users.
Let your customers pay, collect, and disburse money inside your product — without you maintaining bank relationships or payment processor contracts.
Why building payment rails in-house fails
Bank negotiations take months
Negotiating ACH origination agreements and RTP sponsorship with FDIC-insured banks typically takes 12-18 months. Your roadmap can't wait that long.
Compliance is a full-time program
NACHA operating rules, Regulation E error resolution timelines, BSA/AML transaction monitoring — payments compliance requires ongoing program management, not a one-time implementation. Your team shouldn't own it.
Multi-vendor complexity
ACH processor, RTP network access, reconciliation tooling, dispute management — building from components means multiple contracts and multiple failure points.
Finsyncio Payments Module
Full-stack payment rails under a single API — bank relationships, compliance, and network access included.
ACH same-day and next-day
NACHA-compliant ACH transfers with same-day settlement for qualifying transactions. Batch or single-entry.
RTP real-time payments
Real-Time Payments network access via our pre-established Fed connections. Instant settlement, 24/7/365.
Bulk disbursements
Batch payment origination for payroll-style payouts, vendor payments, and marketplace disbursements.
Real-time webhooks
payment.initiated, payment.cleared, payment.returned — every state change delivered to your endpoint.
POST /v1/payments/initiate
Initiate an ACH or RTP payment with a single request. Specify amount, recipient, and rail type. Finsyncio handles routing, NACHA formatting, and retry logic.
Full API Reference# Initiate ACH same-day payment
$ curl -X POST \
https://api.finsyncio.com/v1/payments/initiate \
-H "Authorization: Bearer sk_live_7xKpQ3mNrV8w" \
-d '{
"amount_cents": 12500,
"currency": "usd",
"recipient_id": "usr_9bZ3kR",
"type": "ach_same_day"
}'
# 200 OK
{
"payment_id": "pay_Xm7rNp4qW2",
"status": "processing",
"eta_hours": 4
}Add payments to your SaaS in weeks.
Free sandbox. Production access after a quick review call.