Transact

Move Money Across Every Rail, From One Platform

Process payments, deliver payouts, and route transactions across bank, instant, and card rails.

Accept payments across every channel

Enable multi-channel payment acceptance directly within your product, checkout flow, or dashboard.

From embedded payment forms to hosted experiences, Payload allows your users to pay quickly and securely without leaving your ecosystem.

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Embedded Checkout

Complete and customizable drop-in checkout experience

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Payment Pages

Ready-to-use branded payment pages

Send funds anywhere, instantly and securely

Deliver payouts and transfers to any recipient through bank rails, instant payment networks, or traditional methods — all from one platform.

Automate vendor payouts, commissions, refunds, and disbursements without manual intervention or fragmented systems.

Pay by bank infrastructure for modern payments

Reduce reliance on expensive card rails and offer customers faster, lower-cost payment options through Pay by Bank and instant payment networks.

Designed for modern fintech and SaaS platforms, Payload helps you optimize cost, speed, and payment success rates.

  • Pricing flexibilityMove volume off card rails and eliminate interchange fees. Pay by Bank lets you pass savings to customers or protect your margins — without sacrificing conversion.
  • Built for Complex Payment ScenariosDigitize payments that require bank-based money movement like escrow, large disbursements, marketplace settlements, and trust accounts payments.
  • Instant VerificationVerify account details in real time, no wait period or credential hand-off required.
  • Every Rail, One APIRoute payments across ACH, Same-Day ACH, RTP, FedNow, and Wire from a single integration.

Every card. Every wallet. One integration.

Full card acceptance across all major networks, Apple Pay, and Google Pay through a single integration. Built-in tokenization, secure processing, and network compliance right out of the box.

  • Credit & Debit CardsVisa, Mastercard, Amex, and Discover
  • Apple Pay & Google PayDigital wallet support out of the box
  • Full TokenizationPCI-compliant secure card storage
  • Convenience Fee SupportPass processing costs to payers when needed

Integrate in minutes

Simple, expressive APIs with native SDKs. Process your first payment in minutes, not weeks.

Card Payment

Accept Visa, Mastercard, Amex, and Discover with built-in tokenization, fraud detection, and PCI compliance.

Bank Payment

Initiate ACH debits and credits with instant verification, automated retries, and same-day processing support.

Send a Payout

Disburse funds via ACH, RTP, FedNow, or push-to-debit with flexible routing and real-time status tracking.

Embed Checkout

Drop-in checkout components with full design control, built-in validation, and PCI-compliant secure fields.

pl.Transaction.create(
    type='payment',
    amount=150.00,
    sender={
        'method': {
            'type': 'card',
            'card': {
                'card_number': '4111111111111111',
                'expiry': '12/25',
                'card_code': '123',
            },
            'billing_address': {'postal_code': '12345'},
        }
    },
    receiver={'account_id': 'acct_receiver123'},
)
Read the Docs

Ready to start moving money with Payload?