Payouts as a feature of your product.

Add payouts to your product without building the rails yourself. Roots integrates the partner API and supports operations after launch. Provided through our licensed banking and money-transmission partners.
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Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for fintech startups

How each solution supports fintech startups

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

Embedded Payments

For fintech startups: Put checkout for financial-platform transactions and account services inside your software, keeping payment events connected to customer and operating records. Our service providers' Level 1 BaaS covers named accounts, customer programs, ledgering, reporting and funds movement. Roots scopes the program and builds the integration with you. Provided through our licensed banking and money-transmission partners.
  • 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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Payouts

For fintech startups: Distribute amounts owed to verified platform merchants and account users, with payment references matched to customer accounts, payment events and settlement references. Add payouts to your product without building the rails yourself. Roots integrates the partner API and supports operations after launch. Provided through our licensed banking and money-transmission partners.
  • 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

ACH Payments

For fintech startups: Offer bank-account payments for financial-platform transactions and account services, with authorization and invoice matching built into the workflow. ACH is the backbone of most U.S. fintech money movement. Roots sets up ACH origination with verification and return handling.
  • 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

Stablecoin Settlement

For fintech startups: Explore stablecoin settlement for amounts owed to verified platform merchants and account users, with recipient and invoice references retained. Our service providers lets approved programs add stablecoin wallets, ramps and settlement next to traditional accounts, so you can start with dollar accounts and add stablecoins later. Provided through service partners coordinated by Roots.
  • 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 startups: Collect financial-platform transactions and account services in the currencies your customers use and reconcile them against the original order or invoice. Offer customers balances and payments in local currencies through our service partners’ infrastructure, with multiple entities managed from one dashboard. Provided through service partners coordinated by Roots.
  • 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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Custom Payment Integration

For fintech startups: 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. Our service providers cites about 4 to 6 weeks for integration with a dedicated IT team. Roots can be that team, from sandbox to production.
  • Scope the integration against partner documentation
  • Build and test in sandbox before production
  • Document the integration for your team
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Payouts questions

Questions fintech teams ask about digital asset payments.
Roots helps plan batch files or an API workflow that sends approved recipient payments to a payout partner.
We connect each payment to a recipient, earning period or job reference and plan status updates for completed, returned or failed payments.
Bring your recipient list, approval workflow, payment references and payout schedule. Roots uses these details to plan the workflow for fintech startups and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

Ready to talk it through?

Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a fintech payments specialistAll fintech startups solutions