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The simplest API for fast, reliable payments

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

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What We Do We solve your hardest money-movement problems

Implement 24/7/365 instant payouts into your tech stack via our single, easy-to-integrate API. Access all major rails without costly bank integrations or prolonged compliance in one sprint or less.

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The Solution We'll take on payments so you can Improve customer
Increase customer
Reduce operating
Drive new

  • Implement payments in one sprint, or less

    Save money by avoiding engineering and operating costs - and enjoy informed partner support each step of the way.

  • Launch new payout experiences to attract and monetize more customers

    Satisfy on-demand customer expectations by providing users with real-time access to their money.

  • Grow without limitations

    As your business grows, benefit from our API’s flexibility to meet your business’ changing needs. Be the first to access new rails and tools as soon as they become available.

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    "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"

Simple API

Our single, easy-to-implement API streamlines moving money in real time - simply specify the ideal payment speed then leave the rest to us.

See API DocsReady to move

Use Cases

  • Build trust and loyalty by ensuring your customers never have to worry about accessing their cash instantly.

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    Made Your First Deposit Investing UI
  • Acquire and retain customers by offering claim payouts that hit their account in seconds when they need the money the most.

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    Claim Has Been Processed Insurance Woman on Jeep
  • Power your creator platform with Orum’s unparalleled creator payment solution.

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    Dogwalked Instant Payout On Demand Wage UI
  • Say goodbye to slow and unreliable payouts for your marketplace with Orum’s easy-to-integrate marketplace payout solution.

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    Loan Has Been Approved Lending UI

Ready to move? Let’s talk.

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