The simplest API for fast, reliable payments

One solution to access FedNow, RTP, Same Day ACH, ACH, Wires, and more.
What We Do

We automate and optimize money movement and instantly verify bank accounts to grow your business

Launch fast payments – with bank-rate ACH pricing and expanded processing windows – and verify bank accounts instantly. Access all major rails without costly bank integrations or prolonged compliance. Our solution orchestrates payments to be fast and efficient. Plus, we’ll get you set up in two weeks or less.

The Solution

We transform payments and account verification so you can grow revenue increase conversion improve profitability

Lighnting bolt

Deliver payments 24/7 with our unique ‘Direct to Fed’ solution

Access bank-rate pricing, all major rails, and expanded processing windows. Our Deliver API is built on a new direct connection to The Federal Reserve’s payment rails as a service provider and orchestrates money movement, optimizing for speed and cost.

Verify checkmark

Verify bank accounts instantly with our innovative technology

We validate Account Status within 15 seconds, determining whether an account is open, valid, and ready to receive payments. Plus, we quickly validate Account Control via a modern two-factor authentication. Patent pending.

Money Moves icon

Safeguard your business in a world of real-time expectations

Track transfers down to the penny with our intuitive portal and custom-built ledger. We make it easy to reconcile balances, export data, and meet your business’s changing needs.

    "transfer_reference_id": "string",
    "amount": 90000,
    "currency": "USD",
    "speed": "asap",
    "source": {
        "account_reference_id": "string",
        "customer_reference_id": "string"
    "destination": {
        "account_reference_id": "string",
        "customer_reference_id": "string"

Fast payment API and instant bank account verification

Our modern payment solution orchestrates money movement – optimizing for speed and cost – and verifies bank accounts instantly. We make it easy to get set up in two weeks or less with informed support each step of the way.

How Orum Can Help You Drive Growth


Instantly improve your business. Let’s talk.

Orum is backed by the most trusted voices in fintech.

Box Group
Bain Capital Ventures
Clocktower Technology Ventures
Inspired Capital
American Express Ventures