All-in-One
Payments Ecosystem
Combining Payments, Open Banking & BaaS in one Seamless Portal
Zūm Rails combines Payments, Open Banking, and Banking as a Service into one seamless portal, simplifying financial operations and helping businesses maximize their transactional capabilities. From onboarding and account validation to risk management and money movement, our innovative tools enhance efficiency, unlock new revenue streams, and strengthen client relationships—all while removing the complexities of existing financial systems.
OUR CLIENTS
We've simplified the
complexities of payments
Zūm Rails brings together sophisticated software, enhanced payment mechanics and data aggregation to enable virtually instant payment processing options for both accounts receivable and payable.
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See for yourself
See how Zūm Rails can streamline your financial interactions and make your organization’s payments faster while using our KYC tools to get end user insight results back immediately.
Streamline Payments with Open Banking Aggregation
Experience the power of instant, secure bank account connections with Zūm Rails’ open banking-enabled aggregation. Eliminate manual processes, improve underwriting, and mitigate risks with real-time access to KYC details, account balances, and transaction histories. Our solution delivers a seamless, data-driven payment experience, enhancing the customer journey while providing critical insights to drive informed decisions.
Simplify Billing with Automated Invoicing & Subscriptions
Optimize recurring payments and billing processes with Zūm Rails’ automated invoicing and subscription services. Accept payments 24/7 via EFT, ACH, Interac, Debit, Credit Card, and Visa Direct, while offering customized invoices, recurring billing, and real-time payment tracking. With PCI-compliant security and robust reporting tools, businesses can drive predictable revenue, retain customers, and unlock growth opportunities.
Flexible Payment Gateway for Seamless Transactions
Zūm Rails’ all-in-one payment gateway offers versatile payment options tailored to your workflow. Whether through our user-friendly portal or robust API, businesses can process payments with ease using EFT, ACH, Visa Direct, Mastercard Send, Interac, credit cards, or money transfers. Backed by billions of secure transactions annually, our gateway ensures reliability, scalability, and efficiency for financial operations.
Build Security into Every Payment Journey
At Zūm Rails, we embed advanced fraud mitigation and cybersecurity into every payment process. From KYC validation and real-time balance monitoring to 3D Secure 2.0 and sanction screening, our multi-layered approach ensures compliance and protects against fraud. Upcoming features, such as account control and ownership verification, provide further protection, giving businesses peace of mind to focus on growth.
Optimize Financial Operations with Data-Driven Insights and Automated Reconciliation
Zūm Rails revolutionizes financial reconciliation and operations with advanced automation tools. Gain actionable insights from detailed customer reporting, transaction metrics, and payment histories. Track accounts receivable and payable, analyze failed payments, and access revenue and retention data for invoices and subscriptions. With automated reconciliation and failure reporting, Zūm Rails saves time, enhances accuracy, and enables data-driven decisions.
Simplify Payments with Zūm Rails Payment Links
Make getting paid effortless with Zūm Rails Payment Links. Create and share secure links via email, text, or digital channels, enabling customers to pay using their preferred method—EFT, ACH, Interac, credit cards, Visa Direct, or debit cards. Tailor Payment Links to your brand, support one-time or recurring transactions, and safeguard every payment with PCI-compliant security and advanced encryption.
Partner Portal for Efficient Business Management
Streamline operations with the Zūm Rails Partner Portal. Manage accounts, applications, and workflows with ease, using tools like DocuSign and automated notifications. Access actionable metrics and real-time insights to optimize financial performance and transparency. Simplify business management and unlock growth opportunities with this all-in-one intuitive solution.
Financial Data & Insights: Smarter Decisions Made Simple
Transform raw data into actionable insights with Zūm Rails’ analytics platform. Evaluate income trends, expense patterns, and cash flow to enhance underwriting, risk assessments, and customer experiences. With seamless integration, high labeling accuracy, and ready-to-use data, our insights empower businesses to make informed decisions, optimize operations, and build trust.
BaaS & Card Issuance: Redefining Fintech
Zūm Rails’ Banking as a Service (BaaS) solution empowers businesses to deliver scalable financial services effortlessly. With seamless API integration, secure card issuance, and personalized banking features, our platform drives exceptional customer experiences. Built with top-tier compliance and security, Zūm Rails helps businesses grow confidently while safeguarding customer trust.