⚡ The Future of Payments

Elevate Your
Payments
Today

Join Fintainium in reshaping the future of payments. Our cutting-edge technology is designed to streamline your financial transactions with unmatched efficiency and security.

Total Processed
$2.4B+
Fintainium · Power Console
Fintainium Power Console Dashboard
Avg. Payout Time
< 2 min
Trusted by
Visa Direct
Cross River Bank
Zego
Wex Inc
First Citizens Bank
ALE Solutions
HICH
Your Partner in Payment Solutions

Everything you need to
move money smarter

From accounts payable to instant payouts — all UI and API enabled, white-labelable, and built for enterprise scale.

💸
Instant Payouts
Disburse funds to vendors, gig workers, and customers in real time via ACH, virtual card, push-to-card, or check.
🔄
Multi-Rail Routing
ACH, Same Day ACH, virtual cards, checks, and real-time rails — automatically routed to the fastest, cheapest option.
🏷️
White-Label Ready
Every UI and API surface carries your brand. Fully configurable for platforms and their end-users alike.
🤖
AI Onboarding
Auto KYC/KYB, pre-fill forms, and chat support — white-labeled and compliant from day one.
🔒
SOC2 / PCI Compliant
Enterprise-grade security with built-in fraud protection, AML, BSA, and end-to-end audit trails.
💰
Built-In Monetization
Earn fees and rebates on every payout. Turn payment flows from a cost center into a revenue stream.
Ready to monetize payouts?
Embed Fintainium. Monetize outflows. Delight users.
Get Started
API-Powered Embedded Payments

Payments Made Simple

Embed fast, secure, monetizable payouts into any B2B SaaS platform. All services are UI and API enabled, white-labelable, and built for enterprise scale.

Accounts Payable

AP Payouts

Stop managing vendor payments manually. Fintainium's AP Payouts module lets your platform disburse funds to any vendor, contractor, or supplier across multiple payment rails — all from a single API call or UI workflow.

  • Create and manage vendor profiles with full KYB verification
  • Initiate single or batch payments to any recipient
  • Add and manage multiple payment methods per vendor
  • Create bills and attach to payment workflows
  • Auto-reconciliation with real-time status tracking
  • Branded remittance advices sent directly to vendors
Supported Payment Rails
ACH Same Day ACH Virtual Card Check Fintainium Rapid Pay
3
API endpoints to create & manage vendors
2
Payment initiation endpoints
AR Workflow
Create Customer
Issue Invoice
Collect Payment
2
Payment collection endpoints
1-2 days
Avg. customer activation time
Accounts Receivable

AR Collections

Collect payments from your customers without clunky add-ons. Fintainium's AR module lets you create invoices, onboard customers, and accept payments — all white-labeled inside your platform.

  • Create customer profiles with streamlined onboarding
  • Generate and send invoices programmatically
  • Add multiple payment methods per customer
  • Initiate and track payment collections in real time
  • Reduce DSO with automated payment reminders
  • White-label the entire AR experience for your brand
AR API Reference ↗
Mass Disbursements

Simplified Payouts

One endpoint. Any recipient. Any scale. Whether you're disbursing to 10 vendors or 10,000 gig workers, Simplified Payouts gives you a single API call to move money out — fast, reliably, and at scale.

  • Single endpoint for all payout types
  • Vendor, contractor, gig worker, customer disbursements
  • Auto-selects optimal rail based on your preferences
  • Real-time status and webhook notifications
  • Earn fees and rebates on every disbursement
View Payouts API ↗
Example Use Cases
🚗
Gig Economy Platforms
Pay drivers, couriers, and freelancers instantly after each job
🏗️
B2B SaaS Platforms
Automate AP disbursements embedded in your existing workflow
🛡️
Insurance & Claims
Instant claims disbursements direct to policyholders
🏢
Property Management
Vendor payouts, owner distributions, and refunds in one place
Multi-Rail Intelligence

Every payment rail. One platform.

Stop playing rail roulette. Fintainium supports every major payment method and automatically routes to the fastest, cheapest, or highest-rebate option based on your configuration.

🏦
ACH & Same Day ACH
The workhorse of B2B payments. Standard ACH settles in 1–3 days; Same Day ACH delivers in hours. Low cost, high reliability.
Low cost High volume Bank account
💳
Virtual Card Issuance
Issue single-use or multi-use virtual cards to vendors and contractors. Earn interchange rebates on every spend — turning outflows into revenue.
Earn rebates Controlled spend
Fintainium Rapid Pay
Send funds directly to a debit card in under 2 minutes via Visa Direct. Ideal for gig workers, claims, and time-sensitive disbursements.
< 2 min Visa Direct
📄
Check
Still needed for certain vendors and geographies. Fintainium handles physical check printing and mailing so you never have to touch paper again.
Fully managed Print & mail
🔄
Smart Rail Routing
Configure your routing rules once. Fintainium automatically selects the optimal rail for each payment based on recipient preferences, speed requirements, and cost/rebate optimization. No manual decisions required.
Auto-routed Configurable rules Cost optimized
AI-Powered

Instant Onboarding Platform

Traditional KYC/KYB flows take days and kill conversion. Fintainium's AI onboarding module cuts vendor and customer activation from 72+ hours to under 10 minutes — white-labeled under your brand.

🤖
Auto KYC/KYB
Real-time identity and business verification powered by AI
📋
Pre-fill Forms
Map existing platform data to auto-populate onboarding fields
💬
Chat Support
Embedded AI chat guides users through any onboarding edge cases
🏷️
Fully White-Labeled
Your brand, your domain — users never leave your experience
See It In Action
Onboarding Timeline
1
Submit business info
Pre-filled from your platform data
2
AI runs KYC/KYB checks
Automated in real time — no manual review queue
3
Add payment method
Bank account, card, or virtual card issued
Active & ready to transact
Under 10 minutes from start to finish
Enterprise-Grade

Security & Compliance

Built to meet the highest standards — so you can focus on your product while we handle the compliance complexity.

🔒
PCI DSS Compliant
Payment card data handled at the highest level of PCI compliance — no shortcuts.
🛡️
SOC 2 Type I
Independently audited security controls covering availability, confidentiality, and data integrity.
📋
AML / BSA / KYC
Built-in anti-money laundering and Bank Secrecy Act compliance with automated KYC/KYB workflows.
🔍
Fraud Detection
Real-time payee verification, transaction monitoring, and suspicious activity alerts built in.
🏦
Bank-Credentialed
Cleared rigorous bank vendor approval processes that stop most fintechs from reaching this level.
📊
Audit Readiness
End-to-end transaction logs, reconciliation reports, and export-ready audit trails always available.
Tired of payouts being a headache?
Embed Fintainium. Monetize outflows. Delight users. Dominate.
Get Started
Insights & Updates

Latest Insights

Payments intelligence, product news, and developer deep-dives from the Fintainium team.

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Developer Hub

Build payments that
just work.

Fintainium's RESTful API is built modern from the ground up — no legacy drag, no middleware complexity. Integrate once, monetize forever.

1
Register Your Business
Contact our onboarding team at fintainium.com/contact. We'll verify your business and set up your account.
2
Get Your Business ID
After registration you'll receive a unique businessId required for all API interactions.
3
Obtain Your Session Key
Request a sessionKey authentication token — required in the header of every API call.
4
Integrate & Go Live
Use our recipes, use cases, and full API reference to build and launch in as little as one week.
API Reference

API Modules

Everything you need to embed payments into any platform.

Why Choose Us

Why Fintainium?

Built for developers. Trusted by enterprise platforms.

Modern Stack
RESTful APIs built from the ground up — no legacy drag, no middleware workarounds.
🏦
Bank-Grade Credentialing
Cleared rigorous bank vendor approval hurdles that stop most fintechs cold.
🏢
Enterprise-Proven
Trusted by platforms processing billions in transactions — Fortune 500-level wins.
🏷️
Fully White-Labeled
Every UI and API surface is white-labelable — your brand, your experience.
Trusted by enterprise platforms
Visa Direct Cross River Bank Zego Wex Inc First Citizens Bank ALE Solutions
Explore Full API Docs ↗
Our Mission

Payments Made Simple

Fintainium is at the forefront of revolutionizing financial services — simplifying complex payment flows from initiation to reconciliation.

Get in Touch
Who We Are

Built for the modern payments era

We strive to enhance payment processes and integrate advanced technology to ensure security and efficiency for all business transactions — removing cost, effort, and regulatory risk.

🎯
Our Mission
Simplify complex payment flows from initiation to reconciliation, removing cost, effort, and hassle from our customers' lives.
🔬
Our Approach
State-of-the-art technology with robust solutions tailored for businesses — enhancing payment operations with user-friendly interfaces.
🌐
Our Reach
Trusted by platforms moving billions in transactions. Fortune 500-level credentialing, enterprise-grade from day one.
$2.4B+
Processed on platform
11+
Payment services offered
1 wk
Avg. time to go live
Ready to get started?
Join the platforms reshaping how payments work.
Contact Us
Let's Talk

Get in Touch

Ready to embed payments, request a demo, or just have questions? We'd love to hear from you. Our team typically responds within one business day.

We're here to help

Whether you're evaluating Fintainium for your platform, need a demo, or want to talk to a developer — reach out and we'll get back to you fast.

📞
Phone
(888) 772-7816
Mon–Fri, 10am–6pm ET
✉️
🌐
💻
Developer Docs
fintainium.apidog.io
Trusted By
Visa Direct Cross River Bank Zego Wex Inc First Citizens Bank ALE Solutions

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