Neural Payments
Neural Payments provides a white-labeled, cloud-native payments orchestration platform (the Neural Payments Hub) that connects banks and credit unions to ACH, RTP, FedNow, debit networks, and digital wallets through a single integration, serving approximately 80 US financial institutions.
- Company typePrivate
- Founded2019
- HeadquartersMason, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Neural Payments does
Neural Payments, founded in 2019 and headquartered in Mason, Ohio, builds a white-labeled payments orchestration platform (the "Neural Payments Hub") for US banks and credit unions. The cloud-native Hub connects ACH, RTP, FedNow, debit networks, and digital wallets (including PayPal and Venmo) through a single integration point, enabling financial institutions to offer P2P payments, instant account funding, bulk disbursements, and FedNow connectivity without replacing their core banking systems. Pre-built integrations with the four largest US digital banking platforms (Jack Henry, FIS, Alkami, Q2), combined with channel partnerships (Alloya Corporate FCU reaching 1,400 member credit unions, ebankIT Marketplace), position the company as embedded payments infrastructure rather than a direct-to-consumer product. The platform is layered with a customizable Fraud Rules Engine that allows FIs to set and adjust fraud logic in-house, plus a 2025 Trust Stamp partnership adding biometric identity verification and selfie-based reauthentication to address P2P scam losses.
The company operates a sales-led enterprise B2B model, with pricing not publicly disclosed and contracts negotiated on a multi-year, per-institution basis that likely combines platform licensing with usage-based components. Revenue is generated by recurring subscriptions from approximately 80 financial institution customers (as of June 2025), spanning community banks, credit unions, and mid-sized banks across the US. The company is SOC 2 Type 2 certified and PCI-DSS v4.0.1 attested (SAQ-D), satisfying the compliance bar required by FI procurement.
Neural Payments has raised approximately $11 million+ across disclosed rounds, including a $1M seed (2020), $2M (2021), an $8M Series A led by Mendon Venture Partners (November 2022), a Plug and Play investment (February 2025), and a strategic ownership stake from Catalyst Corporate FCU (March 2026). The company's central thesis — recapturing the $3.4B+ in deposits that have migrated to third-party digital wallets by enabling white-labeled, brand-controlled P2P inside the FI's own app — addresses an underserved segment (community banks and credit unions) that larger incumbents like Zelle underserve through co-branded experiences.
Neural Payments firmographics
Firmographics- Name
- Neural Payments
- Legal name
- Neural Payments
- Website
- https://neuralpayments.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Neural Payments provides a white-labeled, cloud-native payments orchestration platform (the Neural Payments Hub) that connects banks and credit unions to ACH, RTP, FedNow, debit networks, and digital wallets through a single integration, serving approximately 80 US financial institutions.
- Ownership category
- akta.pro rank
Neural Payments industry classification
Industry- Product category
- Payments Infrastructure Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payment Orchestration Platforms (FSAGABAA)
- akta.pro secondary industries
- Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Neural Payments is headquartered
LocationHeadquarters
- HQ city
- Mason
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Neural Payments business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform/SaaS Licensing to Financial Institutions: Neural Payments offers its white-labeled, embedded payments hub to financial institutions (banks and credit unions) on a platform licensing basis. Financial institutions integrate the solution into their digital banking platforms and pay for access to the Neural Payments Hub, enabling P2P payments, disbursements, account funding, and fraud protection. Revenue is likely subscription or usage-based per institutional client, though specific tiers are not publicly disclosed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | No publicly listed tiers — sales-led, quote-based engagement for financial institutions. |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Neural Payments product offering
Product offeringCore offering
Neural Payments builds and licenses the Neural Payments Hub, a cloud-native, white-labeled payments orchestration platform that connects banks and credit unions to multiple payment rails (ACH, RTP, FedNow, debit networks, and digital wallets such as Visa Direct, PayPal, and Venmo) through a single integration. The platform enables financial institutions to offer P2P payments, instant account funding, bulk disbursements for SMBs, and a customizable fraud rules engine directly inside their own digital banking apps, preserving FI brand ownership and recapturing deposits from third-party wallets.
Product overview
Neural Payments offers a unified platform architecture built around the Neural Payments Hub, a centralized payments orchestration engine that connects financial institutions to multiple payment rails through a single integration. The core product suite consists of P2P Payments (peer-to-peer transactions), Disbursements (small business bulk payments), Account Funding (instant card-to-card transfers), and the Fraud Rules Engine (real-time fraud detection). The FedNow Integration module enables instant payment capabilities through the Federal Reserve's network. All products are white-labeled and embed directly into financial institutions' existing digital banking platforms, maintaining the FI's brand while providing modern payment experiences. The platform connects to payment networks including ACH, RTP, FedNow, Visa Direct, and digital wallets such as PayPal and Venmo.
Differentiator
Problem solved
Functional benefit
Products and services
- Neural Payments Hub Centralized, cloud-native payments orchestration engine that unifies multiple payment rails (ACH, RTP, FedNow, debit networks, Visa Direct, PayPal, Venmo) through a single integration point for financial institutions. Provides intelligent routing, consistent fraud enforcement, unified reconciliation, and white-label delivery embedded within FI digital banking platforms. Designed for banks and credit unions of all sizes.
- P2P Payments Peer-to-peer payment solution embedded directly within financial institutions' digital banking apps, enabling users to send money to anyone regardless of the recipient's bank or preferred wallet. Recipients can choose to receive funds in a bank account, debit card, or digital wallet. White-labeled under the FI's brand, with built-in customizable fraud rules. Designed for US banks and credit unions and their retail account holders.
- Disbursements Small business payment tool enabling single and bulk payments from simple file uploads. Handles payroll, vendor payments, and reimbursements with real-time processing through RTP and FedNow networks. Built exclusively for business and commercial accounts at partner financial institutions. Includes intelligent payment routing and fraud protection.
- Account Funding Instant account funding solution that enables customers to load accounts in real-time from debit card to debit card directly within the mobile banking app. Supports multiple funding rails including FedNow, RTP, ACH, and debit networks. Uses PCI-compliant iframes for secure data handling and is embedded in the FI's digital banking experience.
- Fraud Rules Engine Real-time fraud detection and prevention engine with customizable rules, dynamic exclusion lists, observation mode, velocity limits, tiered user limits, and machine learning-based transaction scoring. Rules can be configured in-house by the financial institution without third-party dependency. Includes PCI-compliant iframe-hosted frontend. Sold as a standalone module to financial institutions and included with P2P and Disbursements.
- FedNow Integration FedNow instant payment integration enabling financial institutions to send and receive real-time payments 24/7/365 through the Federal Reserve's FedNow network. Pre-built integration allows activation in as little as 30 days for existing Neural Payments Hub customers. Covers P2P, account-to-account, and request-for-payment flows. Includes pre-built integrations with leading mobile banking providers.
Quantifiable outcome
- Go-live in 90 days for P2P payments; FedNow activation in as little as 30 days
- +5 more outcomes
Companies that use Neural Payments
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles3 records
Neural Payments technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
AI capability2 records
Feature7 records
Neural Payments partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- CatalystcoreCatalyst acquired a strategic ownership stake in Neural Payments in March 2026 to accelerate payments innovation for credit unions. The partnership aims to speed up the development and deployment of modern payment capabilities for credit union members.
- Trust StampcoreNeural Payments partnered with Trust Stamp (Nasdaq: IDAI) in June 2025 for the integration of Trust Stamp's low-code Orchestration Platform. The integration provides identity verification for KYC processes and selfie-based reauthentication for payments within Neural Payments' payment flow. Trust Stamp's Irreversibly Transformed Identity Tokens (IT2) enable biometric payment approval without storing sensitive biometric data. This addresses the rising P2P fraud problem where 8% of banking customers have been victimized by a P2P scam in the last 12 months.
- ebankITcoreNeural Payments became an ebankIT Marketplace Partner in 2024, enabling integration of its white-label P2P payments platform and other payment solutions (Fraud Rules Engine, Account Funding) into the ebankIT digital banking platform. ebankIT is a global fintech providing an omnichannel digital banking platform for banks and credit unions. The partnership expands Neural Payments' reach within ebankIT's client base of FIs seeking humanized digital banking experiences.
- Alloya Corporate Federal Credit UnioncoreNeural Payments and Alloya Corporate Federal Credit Union formed a strategic partnership announced January 9, 2024. Alloya offers Neural Payments' integrated P2P payment solutions to its 1,400 member credit unions across the US. The partnership enables natural person credit union members to access a white-label P2P payments platform embedded within their credit union's digital banking app. Alloya chose Neural Payments for its user-friendly, app-free experience that brings funds back from uninsured third-party digital wallets and its fraud controls giving credit unions autonomy with a rules-based fraud engine.
- FIS Impact Ventures / The Venture CenterminorNeural Payments was selected for the 2022 FIS Fintech Accelerator program in Jacksonville, Florida, run by FIS Impact Ventures and The Venture Center. The program provided mentoring, training, and investment opportunities. Neural Payments is also a partner with FIS more broadly for payment processing integration.
- Jack HenrycoreNeural Payments has a pre-built integration with Jack Henry's digital banking platform. Jack Henry is a major provider of technology solutions to banks and credit unions. The partnership enables Neural Payments' payments hub to be embedded within FIs using Jack Henry's platform.
- FIS (Global)coreNeural Payments is partnered with FIS Global and utilizes the FIS-NYCE Payment Processing service for FedNow connectivity. Neural Payments also participates in the FIS Fintech Accelerator (2022) and FIS Emerald events. FIS is a leading global financial technology provider.
- Alkami TechnologycoreNeural Payments has a pre-built integration with Alkami's digital banking platform. Neural Payments is also listed as a featured partner at Alkami Co-Lab 2026. Alkami is a US-based digital banking platform provider serving banks and credit unions.
- Q2coreNeural Payments has a pre-built integration with Q2's digital banking platform, enabling Q2's FI clients to access Neural Payments' P2P and payment solutions. Referenced in FedNow integration page as an industry partner.
- VisacoreNeural Payments is partnered with Visa, enabling integration with Visa's payment networks and capabilities. Referenced in the main website partner logos and the Zelle shutdown article as part of Neural Payments' open network of banks and financial institutions.
- ICBA (Independent Community Bankers of America)minorNeural Payments is a graduate of the ICBA ThinkTECH Accelerator. ICBA exclusively represents nearly 4,500 community banks in the US. The partnership provides access to the ICBA network and association with a major community banking advocacy group.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Neural Payments competitors and assessment
Company assessmentDirect peers
- Galileo Financial Technologies: Galileo is a payment processing and account orchestration platform (now a SoFi subsidiary) serving banks, fintechs, and credit unions with APIs for card issuing, P2P, and disbursements. It is the most direct competitive analogue to Neural Payments' payments hub, with broader scale and a larger capital base.
- Payrailz (Jack Henry): Payrailz is a Jack Henry-owned digital payments platform offering P2P, A2A, bill pay, and disbursements to banks and credit unions. It is a direct competitor because Jack Henry is simultaneously a distribution partner and an internal competitor to Neural Payments via Payrailz.
- Orum: Orum provides payment orchestration and instant payout infrastructure for fintechs and banks, with intelligent ACH and real-time rail routing. Highly comparable to Neural Payments' hub architecture and fraud-aware orchestration, but focused on disbursements/payouts rather than white-label P2P for FIs.
- i2c: i2c is a global payment processing and fintech infrastructure platform offering card issuing, P2P, disbursements, and account funding APIs for banks, fintechs, and credit unions. Highly comparable to Neural Payments on multi-rail orchestration and white-label embedded delivery.
Broad incumbents
- Finastra: Finastra is a large global core banking and payments vendor serving thousands of FIs, with embedded payment hub capabilities including real-time rails and fraud controls. Comparable to Neural Payments at the bank-customer level, but Finastra sells comprehensive core platforms rather than a focused orchestration layer.
- Fiserv (Clover / Payit): Fiserv is a major US fintech incumbent offering payment processing, digital banking, and disbursement solutions to banks and credit unions, including the Payit person-to-person and bill payment platform. Overlaps directly with Neural Payments' white-label P2P and disbursements use cases but bundled within a much broader product suite.
- ACI Worldwide: ACI Worldwide provides real-time electronic payment software and services to banks, billers, and processors, including RTP and FedNow connectivity orchestration. Competes with Neural Payments in multi-rail orchestration for FIs, but serves a much larger institutional client base with on-premise heritage.
- Early Warning Services (Zelle / Paze): Early Warning operates Zelle, the dominant US bank-branded P2P network, and Paze, an online checkout wallet. Zelle is the primary incumbent that Neural Payments' white-label P2P product is designed to disintermediate or complement for smaller FIs.
Emerging players
- PayNearMe: PayNearMe provides embedded payment and disbursement solutions for banks, lenders, and billers, with strong fraud controls and real-time rail connectivity. Overlaps with Neural Payments' disbursements and account funding products for FI clients.
- Trustly: Trustly offers open-loop A2A payment solutions enabling bank-to-bank transfers without card networks, primarily in Europe but expanding in the US. Comparable in concept to Neural Payments' open-loop P2P, but with a stronger consumer/pay-by-bank focus rather than FI white-label distribution.
Market position
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Neural Payments social profiles
Digital presenceNeural Payments compliance and trust
Trust signalCompliance2 records
Neural Payments financial estimates
Financial estimateRevenue estimate
Valuation estimate
Neural Payments leadership team
Management profileNumber of profiles
Profiles6 records
Neural Payments funding detail
Funding detailFunding overview
Funding rounds5 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Neural Payments M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Neural Payments
What does Neural Payments do?
Neural Payments builds and licenses the Neural Payments Hub, a cloud-native, white-labeled payments orchestration platform that connects banks and credit unions to multiple payment rails (ACH, RTP, FedNow, debit networks, and digital wallets such as Visa Direct, PayPal, and Venmo) through a single integration. The platform enables financial institutions to offer P2P payments, instant account funding, bulk disbursements for SMBs, and a customizable fraud rules engine directly inside their own digital banking apps, preserving FI brand ownership and recapturing deposits from third-party wallets.
Is Neural Payments a public or private company?
Neural Payments is a private company. It is classified as venture growth investor backed and is currently operating.
When was Neural Payments founded?
Neural Payments was founded in 2019. It employs 11 to 50 people.
Where is Neural Payments based?
Neural Payments is headquartered in Mason, United States, in the North America region.
How does Neural Payments make money?
One revenue line is on record: platform/SaaS Licensing to Financial Institutions.
Who are Neural Payments's main competitors?
Direct peers on record are Galileo Financial Technologies, Payrailz (Jack Henry), Orum and i2c. Broad incumbents are Finastra, Fiserv (Clover / Payit), ACI Worldwide and Early Warning Services (Zelle / Paze). Emerging players are PayNearMe and Trustly.
Does Neural Payments have an API?
No public API is recorded for Neural Payments.
What industry is Neural Payments in?
Neural Payments's product category is Payments Infrastructure Software. Its primary akta.pro industry code is FSAGABAA, Payment Orchestration Platforms, with a secondary code of FSAGABAN, Payouts, Disbursements & Mass Payments Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.