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Modern ACH Payment API for Fast, Secure, and Compliant Transfers

Automate bank-to-bank payments with Cybrid’s ACH API—featuring instant and same-day transfers, Plaid verification, and built-in KYC/KYB compliance.

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Trusted by Businesses Using Payments & Transfers Solutions

WHY USE ACH API?

Simplify And Super-Charge Your ACH Payment Processes

Avoid multiple vendor integrations by utilizing our ACH payment processing API designed to streamline payments.

padlock-check (3) Integrated KYC process

Enhance security of your financial transactions. Cybrid’s ACH API is fully integrated with KYC (Know Your Customer) processes, ensuring every transaction is linked to a verified user.

  
api (2) Plaid Bank verification

Rest easy knowing that the sending and receiving accounts are accurately verified and securely linked to respective user identities.

  
expense (1) ACH fraud prevention

Leverage our cutting-edge security measures to automatically detect and prevent fraudulent activities. Our platform continuously monitors for unusual patterns & money laundering.

  

Seamless, Compliant Payments in Just 60 Days – Ready to Transform?

Experience the power of a cutting-edge payment orchestration platform. Book your free demo today!

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WHAT WE OFFER

Make ACH Transfers Simple, Cost-Effective, And Fast

Quick
Simple
Secure
Cost Effective
Custom

Fast Ach Payments

Accelerate your ACH transfers with instant and same-day options for quicker, more efficient transactions.

  • Immediate or same-day access: Over 1 billion same-day payments are slated to be issued on the ACH network in 2024. Whether you need instant access or same-day transfers, provide your users with reliable alternatives to traditional ACH, ensuring funds are available when they need them.
  • Reliable timing: Guarantee consistent and predictable transaction times, whether opting for instant or same-day processing, giving your users predictable, reliable solutions.
  • Enhanced business operations: Improve your cash flow management and operational efficiency by speeding up payment processing times for your business and customers.
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ACH Payment API (1)

Fbo Services For Simpler Fund Management

Centralize and streamline fund management processes in a platform with FBO account services.

  • Centralized fund holding: Manage and hold funds on behalf of multiple users in a single, secure account.
  • Seamless distribution: Easily allocate and distribute funds to individual accounts as needed, ensuring quick and accurate transactions.

  • Regulatory compliance: Maintain full compliance with financial regulations by keeping user funds segregated and protected within dedicated FBO accounts.

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ACH Transfer API

A Secure API For ACH Payments

Protect your transactions with robust security measures.

  • Integrated KYC processes: Enhance the security of your financial transactions with our fully integrated KYC processes, ensuring every transaction is linked to a verified user.
  • Fraud prevention: Utilize advanced security features to detect and prevent fraudulent activities, continuously monitoring for unusual patterns and money laundering attempts.
  • Encrypted data: Protect sensitive financial information with end-to-end encryption, ensuring that all data is securely transmitted and stored.

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ACH Payment Processes

A Cost-Effective Platform

Optimize your payment processing with cost-effective, compliant solutions.

  • Lower transaction fees. Benefit from reduced transaction costs compared to traditional payment methods, helping you save money on every transfer.
  • Efficient processing. Streamline your payment operations to minimize overhead and reduce administrative costs.
  • Affordable pricing. Access a high-quality payment platform without breaking the bank, offering competitive rates that provide exceptional value for your business.

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API For ACH Payments

Customize To Fit Your Processes

The ACH network moves over $60 trillion annually. Tailor your payment processes to fit your specific business needs.

  • Flexible solutions. Customize ACH payment workflows to match your unique business requirements, ensuring seamless integration with your existing systems.
  • Developer-friendly. Leverage our easy-to-use API and comprehensive documentation, making it simple for developers to implement and customize payment features.
  • Scalable infrastructure. Easily scale your payment capabilities as your business grows, with a platform designed to support increasing transaction volumes and evolving needs.

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Fbo Services For Simpler Fund Management
WHY CYBRID?

Amplify Your Financial Infrastructure With An ACH Transfer API That Does More

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Embedded Finance

Integrate seamless financial services into your platform for a streamlined user experience.
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Turnkey Compliance

Access fully integrated compliance solutions, reducing time and costs for regulatory adherence.
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Quick Launch

Deploy your payment solutions in as little as 30 days, accelerating your go-to-market strategy.
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Unified Payments

Consolidate multiple payment methods into a single, easy-to-manage system.
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Crypto Capabilities

Enable crypto payments for USDC, BTC and BTC lightning with crypto and fiat on- and-off ramps.
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Instant transfers

Provide immediate access to funds with instant ACH payment API capabilities.
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Sandbox Environment

Test and refine your payment processes in a secure, isolated environment.
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Robust Support

Get continuous, dedicated support from our team to ensure smooth operation and quick issue resolution.
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KYC & KYB

Enhance security and compliance with built-in integrated Know Your Customer and Know Your Business (KYB) processes.
Q & A

Frequently Asked Questions

We've summarised the most frequently asked questions to help you get started with learning more about Cybrid.

How does the Cybrid ACH payment API work?

The Cybrid ACH Payment API lets you transfer money between bank accounts using the Automated Clearing House (ACH) network. By integrating our API, you can easily initiate and process ACH transactions right from your platform, making your payment workflows smooth and efficient.

But that's not all. With Cybrid, you also get crypto transactions, compliance solutions, and customizable payment workflows. Our platform helps you manage all your payment processes in one place, making everything simpler and more secure.
What features make your ACH API for money transfers developer-friendly?

Cybrid's ACH Payment API is designed with developers in mind, offering an easy-to-use interface and comprehensive documentation. Our API includes clear examples and guides, making the integration process straightforward and hassle-free.

We also provide a sandbox environment, allowing developers to test and refine their payment processes before going live. With support available through our dedicated channels, developers can quickly resolve any issues and ensure a smooth integration experience.
How long will it take to implement Cybrid's API for ACH payments?

Getting started with Cybrid's API for ACH payments usually takes about 8 to 10 weeks. If your development team is ready to roll, it can sometimes be done in as little as 30 days. Our detailed documentation and helpful support team make the process as smooth as possible, so you can start processing payments quickly and efficiently.
Can I transfer money internationally?

Currently, Cybrid's ACH Payment API supports money transfers within the United States. While we specialize in seamless and secure domestic transactions, our platform is continuously evolving. For future updates and potential international transfer capabilities, stay tuned or reach out to our support team for more details.
What security measures are in place with your ACH payment API?

Cybrid's ACH Payment API incorporates a range of robust security measures to ensure your transactions are safe and secure. We integrate KYC processes to verify user identities, preventing fraud and unauthorized access. Our platform continuously monitors for unusual activity and potential money laundering, leveraging advanced fraud detection algorithms.

All sensitive data is encrypted during transmission and storage, providing an additional layer of protection. Cybrid is also SOC 1 Type 2 certified, ensuring we meet stringent security and compliance standards.

These certifications demonstrate our commitment to maintaining the highest level of security for your financial transactions, giving you peace of mind with every transaction.
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What Our Customers Say?

“Cybrid enabled us to reduce transaction processing time by 50%, improve operational efficiency by 40%, and achieve 3x growth within six months. Their seamless integration with our systems, robust compliance automation for KYC, KYB, and AML checks, and top-tier support allowed us to launch in production within twenty-two days."

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Nagarjuna MalempatiFounder & CEO
"The exceptional support from the Cybrid team has made the entire journey seamless and efficient. They truly understand our business, providing access to more payment rails and helping us achieve a projected 15% month-over-month growth in fund disbursement volumes via RTP. This has significantly reduced friction in our processes and improved the overall experience for our customers."
BEN MEEDER
Ben MeederCofounder & CTO
"We needed a cost-effective partner to launch our stablecoin-powered payments solution on WhatsApp, and Cybrid exceeded our expectations. Their platform offered all the essential features while helping us conserve capital as we scaled. The team was incredibly supportive and adaptable, giving us full confidence in the long-term potential of our partnership. Thanks to Cybrid, we can now accept payments in the US cost-effectively, giving us a significant competitive advantage in the market."
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Rahul ChaudharyFounder & CEO