Powering the Future of Financial Transactions
Unlock the full potential of your enterprise with FinoGates – the all-in-one API suite for seamless, secure, and scalable financial operations. From instant payments to virtual cards and compliance solutions, we provide everything you need to build and scale your fintech ecosystem.
Zelle Payments
Enable quick peer-to-peer payments.
ACH Payments
Send and receive ACH transfers seamlessly.
Real-Time Payments
Instant money movement across banks.
FedNow Payments
Tap into the Federal Reserve’s real-time payment network.
Push to Card
Process payroll and payments in real time.
Cross-Border Payments
Send and receive global payments efficiently.
Printable Checks
Generate and print business and personal checks instantly.
Mailed Checks
Send physical checks via mail effortlessly.
eChecks
Securely send and deposit digital checks.
Virtual Cards
Issue, manage, and control virtual payment cards.
Physical Debit & Credit Cards
Custom-branded payment cards for businesses.
Prepaid & Gift Cards
Create and manage reloadable prepaid card programs.
Banking APIs
Open and manage accounts with ease.
Account Management
Keep track of balances and transactions.
Automated Reconciliation
Streamline financial operations with real-time tracking.
KYC & Identity Verification
Ensure compliance with AML and fraud prevention.
Transaction Monitoring
AI-driven fraud detection and risk assessment.
Regulatory Reporting
Automate compliance and audit processes.
Zelle Payments
Enable quick peer-to-peer payments.
ACH Payments
Send and receive ACH transfers seamlessly.
Real-Time Payments
Instant money movement across banks.
FedNow Payments
Tap into the Federal Reserve’s real-time payment network.
Push to Card
Process payroll and payments in real time.
Cross-Border Payments
Send and receive global payments efficiently.
Printable Checks
Generate and print business and personal checks instantly.
Mailed Checks
Send physical checks via mail effortlessly.
eChecks
Securely send and deposit digital checks.
Virtual Cards
Issue, manage, and control virtual payment cards.
Physical Debit & Credit Cards
Custom-branded payment cards for businesses.
Prepaid & Gift Cards
Create and manage reloadable prepaid card programs.
Banking APIs
Open and manage accounts with ease.
Account Management
Keep track of balances and transactions.
Automated Reconciliation
Streamline financial operations with real-time tracking.
KYC & Identity Verification
Ensure compliance with AML and fraud prevention.
Transaction Monitoring
AI-driven fraud detection and risk assessment.
Regulatory Reporting
Automate compliance and audit processes.
Direct Access to Financial Networks
Traditional financial networks like Visa, FedACH, and the Federal Reserve have evolved over decades, often buried under layers of abstraction by technology providers. While others hide complexity, FinoGates takes a different approach—giving you direct, unfiltered access to these networks.
By connecting you directly to the Federal Reserve, Visa, and other payment systems, we ensure:
Full Transparency
Gain complete visibility into your transactions and data.
Maximum Stability & Redundancy
Built for enterprise-grade reliability.
Fewer Dependencies
Reduce reliance on third-party intermediaries.
Faster Integration
Streamline development with flexible, direct connections.
Move Money Faster and More Reliably
With FinoGates, you can send and receive ACH, wires, real-time payments, and even physical checks—programmatically and seamlessly.
Speed by Default
Same-day ACH ensures funds arrive within hours.
Real-Time Settlement Tracking
Get up-to-date settlement insights directly from the Federal Reserve.
Predictable Timing
Process payments at any FedACH window for greater control.
Automated Return Correlation
Unique trace identifiers link returns for streamlined reconciliation.
Create a Powerful Card Program
FinoGates seamlessly integrates with Visa as an issuer processor, providing direct access to network data for enhanced control and efficiency.
Instant Fund Availability
Transfer funds without the need to pre-fund a third party.
Real-Time Authorizations
Process authorization requests instantly from your own servers.
Custom Physical Cards
Design and print personalized cards and carriers that scale effortlessly.
Unlimited Card Numbers
Issue physical and virtual cards at scale to meet your business needs.
Built for Enterprises, Loved by Developers
Designed for banks, fintech startups, enterprises, and financial institutions, FinoGates delivers cutting-edge APIs that streamline operations, reduce costs, and enhance customer experiences.