Payments Infrastructure for Fintech

Fintechs, lenders, insurers and investment platforms need money movement that satisfies both customers and sponsor banks. Roots scopes the program, handles partner applications and builds integrations for accounts, payouts, ACH and stablecoin rails, provided through our licensed banking and money-transmission partners .
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Payment solutions for fintech & financial services

How these solutions work for fintech & financial services

See what each option adds to the way your business takes and tracks payments.

Embedded Payments

For fintech & financial services: Put checkout for financial-platform transactions and account services inside your software, keeping payment events connected to customer and operating records.
  • Scope the program: accounts, money flows, and which parts need a sponsor bank
  • Package your business plan and compliance program for partner and sponsor-bank review
  • Build or support the API integration and your customer onboarding flows
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Stablecoin Settlement

For fintech & financial services: Explore stablecoin settlement for amounts owed to verified platform merchants and account users, with recipient and invoice references retained.
  • Decide where stablecoins actually improve your settlement, and where ACH or wire is still the better rail
  • Coordinate onboarding with our service partners and scope the payment program around your volume
  • Build the reconciliation between on-chain transactions and your ledger
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Multi-Currency Payments

For fintech & financial services: Collect financial-platform transactions and account services in the currencies your customers use and reconcile them against the original order or invoice.
  • Match your currency corridors to our service partners’ coverage before you apply
  • Prepare entity and beneficial-ownership documentation for KYC approval
  • Connect multi-currency balances and FX activity to your accounting system
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Payouts

For fintech & financial services: Distribute amounts owed to verified platform merchants and account users, with payment references matched to customer accounts, payment events and settlement references.
  • Design your payout flow: funding, approvals, timing and recipient experience
  • Handle the partner application and underwriting package
  • Build the integration between your platform and the payout API
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ACH Payments

For fintech & financial services: Offer bank-account payments for financial-platform transactions and account services, with authorization and invoice matching built into the workflow.
  • Set up ACH processing matched to your risk profile and volume
  • Design authorization language and flows with your compliance team
  • Integrate ACH into your app, portal or billing system
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Transfer initiated

$1,959.99 · ref ACH-7731

Crypto Payments & Conversion

For fintech & financial services: Plan a digital-asset payment option for financial-platform transactions and account services, with conversion and reconciliation mapped to the sale.
  • Map your flows first: who pays, in which asset, on which network, and where the dollars land
  • Assemble KYB, ownership and compliance documents for our service partners’ onboarding review
  • Build custom integrations that push conversion and settlement data into your accounting or ERP
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Custom Payment Integration

For fintech & financial services: Connect the payment flow for financial-platform transactions and account services with your software and the operational records behind customer accounts, payment events and settlement references.
  • Scope the integration against partner documentation
  • Build and test in sandbox before production
  • Document the integration for your team
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Instant Payouts

For fintech & financial services: Plan faster disbursements to verified platform merchants and account users, matching each transfer to approved earnings or completed work.
  • Figure out which of your recipients can actually receive real-time payments
  • Set funding and limit rules so instant payouts don't outrun your balances
  • Build the event-to-payout integration in your platform
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Fintech & Financial Services we set up and support

Fintech & Financial Services payment questions

Start with the workflows your business needs. Options on this page include Embedded Banking for Fintech Startups, Payout Infrastructure for Fintechs, ACH API for Fintech Products. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review customer payment collection, settlement preferences and reconciliation, then plan the changes your fintech & financial services business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which fintech & financial services workflows need to improve so we can scope a practical setup.

Payments for fintech & financial services, set up right

Talk to our sales team about your setup, or become a partner and bring us your merchants.
Talk to a fintech payments specialistPartner with Roots