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A simple, smart payments API

Gain an edge over your competition by offering faster settlements and funding powered by payment acceleration.

Payments powered by intelligence

Momentum uses proprietary intelligence to automatically accelerate money movement for funds flows that were previously limited to slow timelines.

What We Do We keep the complexity 
behind the scenes

See API Docs
    "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"

You tell us the transaction type and the speed.

Initiate payments by simply specifying the optimal speed. We take care of intelligence based routing and any sub-transfers needed, seamlessly executing the overall payment.

We do everything else.

  • Major rail integration

    Major rail integration

    Orum utilizes integrations with major rails (ACH, RTP, FedNow, etc.) accessed through top-tier institutions, saving you the time and expense of building and maintaining rail integrations.

  • Multi-rail orchestration

    Multi-rail orchestration

    You no longer have to think about the implications of different rails on each leg of a transfer. Tell us the net direction and preferred speed of payment, and we’ll orchestrate the rail combination necessary to make it happen.

  • Risk-intelligence


    Orum's proprietary intelligence powers payment acceleration by managing real-time inputs like transaction history and device signals. This allows you to set the optimal payment speed, with automatic fallback to sower speeds based on risk.

  • Real-time Webhooks

    Real-time Webhooks

    Webhooks proactively notify you of transfer status, expected settlement date, and more. This data can be passed along to users as a way to trigger requests to take action (like updating KYC records).

  • Automated KYC

    Automated KYC

    Orum automates KYC and watchlist screening so you can skip vetting, integrating, and managing additional third-party solutions. If you already have a KYC vendor in place, no problem. We can work with that too.

  • Orum wallet

    Orum wallet

    We offer multiple formats of liquidity to fund your Orum Wallet. Liquidity is managed using purpose-built ledgers to enable accelerated deposits, payouts, and transfers while supporting reconciliation.

Build trust with your end users

  • New Options, Same UI

    Orum’s solution gives you the freedom to optimize customer experience through personalized payment options, surfaced by embedding our solution into your familiar UI.

  • Always On

    Our comprehensive rail coverage, including instant network interoperability and top-tier bank partnerships, means that you and your users will always be able to initiate payments on your platform.

Mobile Fund Withdraw and Code Snippet
  • Limited Integration Touchpoints

    Because Orum is an embeddable platform without UI implications, the integration time is fully focused on the backend API integration.

  • Intuitive Design & Human Support

    Orum is built to be flexible and intuitive out of the box, but for those instances where our clients want a thought partner or additional assistance, we’re still here to help.

  • Self-Serve Resources

    Our comprehensive sandbox and thoughtful documentation are available for exploring and testing 
our platform.

Stay up to date on Orum.

Ready to move? Let’s talk.

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