Products
Every rail. One integration.
Everything you need to build financial products, unified under a single account, a single ledger, and a single set of credentials.
Zelle Payments
Enable quick peer-to-peer payments.
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ACH Payments
Send and receive ACH transfers seamlessly.
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Real-Time Payments
Instant money movement across banks.
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FedNow Payments
Tap into the Federal Reserve’s real-time payment network.
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Push to Card
Process payroll and payments in real time.
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Cross-Border Payments
Send and receive global payments efficiently.
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Printable Checks
Generate and print business and personal checks.
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Mailed Checks
Send physical checks via mail effortlessly.
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eChecks
Securely send and deposit digital checks.
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Virtual Cards
Issue, manage, and control virtual payment cards.
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Physical Cards
Custom-branded payment cards for businesses.
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Prepaid & Gift Cards
Create and manage reloadable prepaid cards.
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Banking APIs
Open and manage accounts with ease.
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Account Management
Keep track of balances and transactions.
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KYC Verification
Ensure compliance with AML and fraud prevention.
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Automated Reconciliation
Streamline finances with real-time tracking.
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Why FinoGates
Infrastructure that scales with you, not against you.
Direct Financial Network Access
Connect directly to the payment networks that move money.
Integrate with the Federal Reserve, Visa, FedACH, and other financial networks through modern APIs instead of relying on multiple intermediaries. Build faster with direct connectivity, greater visibility, and enterprise-grade reliability.
Complete transaction visibility with transparent processing
Enterprise-grade infrastructure with built-in redundancy
Modern APIs and documentation for faster integration
Move Money with One Unified API
Send, receive, and track payments across every major rail.
Build ACH transfers, wire payments, real-time payments, and check processing with a single API. Gain consistent workflows, real-time visibility, and reliable settlement across every payment method.
Unified API for ACH, wires, RTP, and check payments
Real-time payment and settlement status updates
Consistent workflows across every payment rail
Launch Modern Card Programs
Issue, manage, and scale card products with direct network connectivity.
Build physical and virtual card programs through direct Visa issuer processing. Control authorizations, funding, and card issuance with APIs designed for modern fintech platforms.
Direct Visa issuer processing with real-time network access
Instant fund availability without third-party prefunding
Real-time authorization and transaction controls
Developer experience
Ship your first payment in an afternoon.
A single API key, sensible defaults, and documentation written by the engineers who built it.
REST API & typed SDKs
Consistent resources across ACH, cards, and treasury, with generated clients for every major language.
Real-time webhooks
Every state change, including settled, returned, and flagged events, is delivered securely, in order, with automatic retries.
Scoped authentication
Short-lived tokens and granular API key permissions, so access matches exactly what each service needs.
# Create an ACH transfer curl https://api.finogates.com/v1/transfers \ -H "Authorization: Bearer sk_live_••••" \ -H "Content-Type: application/json" \ -d '{ "type": "ach", "amount": 48200, "currency": "usd", "destination": "acct_9f31a2", "description": "Vendor payout" }'
Get started
From sandbox to production in four steps.
01
Create your account
Sign up and verify your business in minutes with our guided onboarding flow.
02
Generate API keys
Create scoped, environment-specific keys for sandbox and production.
03
Integrate the APIs
Use our SDKs or REST endpoints to connect ACH, cards, or treasury flows.
04
Go live
Flip to production and start processing real payments with full monitoring.
Security & Compliance
Trusted with the transactions that matter most.
Independently audited and certified to the standards banks and regulators require.
PCI DSS Level 1
Highest tier of payment card industry compliance.
SOC 2 Type II
Audited annually for security, availability, and confidentiality.
ISO 27001
Certified information security management system.
End-to-end encryption
AES-256 at rest, TLS 1.3 in transit, on every request.
Multi-factor authentication
Enforced across every dashboard and API credential.
Real-time fraud detection
Machine-learned risk scoring on every transaction.
Tokenization
Sensitive data replaced with non-reversible tokens.
Continuous compliance
Automated monitoring across BSA, AML, and OFAC rules.
120+
APIs
80+
Countries
250M+
Transactions processed
99.99%
Platform uptime
100+
Enterprise clients
5K+
Developer community
Customers
Built into the infrastructure of modern finance.
We replaced four vendors with a single FinoGates integration and launched cross-border payouts in just three weeks.
Maya Patel
VP Engineering, Cascade Pay
Webhook reliability changed how we build. What used to take our finance team a full day now runs automatically.
Daniel Kessler
Head of Payments, Ledgerly
FinoGates’ compliance tooling let us launch card issuing in two new markets without hiring a dedicated compliance team.
Sofia Ortega
CTO, Orbitfin
Resources
Everything you need to build.
Documentation
Guides for every product, from first call to production.
API reference
Every endpoint, parameter, and response, fully typed.
Guides
Step-by-step walkthroughs for common integration patterns.
SDKs
Official libraries for Node, Python, Go, Ruby, and Java.
Blog
Engineering deep dives and product announcements.
Changelog
Every API update, versioned and searchable.