What Alacriti does

Alacriti is a U.S.-based fintech that delivers cloud-native payments and money-movement infrastructure to banks and credit unions through its proprietary Orbipay Platform. The platform unifies multiple payment rails — including ACH, wires (Fedwire), the RTP network, the FedNow Service, and Visa Direct — into a single hub that enables financial institutions to process real-time, instant, and traditional payments alongside digital disbursements. Specialized modules extend the core platform: Orbipay Loan Payments automates self-service loan repayment with real-time posting to core banking systems; Orbipay BVV provides real-time bank account validation and verification; Orbipay Payments Hub for Wires adds Fedwire connectivity with integrated Nasdaq Verafin fraud screening; Orbipay EBPP delivers electronic bill presentment and payment with Bluefin PCI-validated encryption; and Orbipay RTP Hub provides dedicated access to The Clearing House's RTP network. Underlying architecture is cloud-native and modular, supporting phased deployment and API-based integration with customer core systems without requiring wholesale core replacement.

The company serves approximately 14% of the top 100 U.S. banks and roughly 20% of U.S. credit unions with assets exceeding $1 billion, processing over 96 million transactions annually representing more than $233 billion in payment volume. Its revenue model combines SaaS platform subscriptions with per-transaction fees across the supported rails, supplemented by implementation and professional services for multi-year modernization engagements. Distribution is exclusively direct via enterprise field sales targeting banks and credit unions, supplemented by thought-leadership activity at industry conferences and sponsored research. The company was founded in 2015 by Manish Gurukula, who continues as co-founder and CEO, is headquartered in Bridgewater, New Jersey (Delaware corporation), and employs between 251 and 500 people. In early 2026, Alacriti secured an approximately $50 million growth equity investment led by Sageview Capital with participation from BMO Capital Partners and Curql Fund to expand its AI-driven payments and digital money capabilities.

Name

Alacriti

Legal name

Alacriti Payments Inc.

Website

https://alacriti.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Alacriti provides the cloud-native Orbipay Platform that unifies ACH, wire, real-time, and digital payment rails for U.S. banks and credit unions, serving roughly 14% of the top 100 U.S. banks and 20% of large credit unions.

Ownership category

akta.pro rank

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

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Payment processing
• Real-time payments
• ACH processing
• Wire transfers
• Loan payments

Headquarters

HQ city

Piscataway

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations

Revenue model

1. SaaS Platform Subscriptions: Cloud-based platform fees from financial institutions subscribing to Orbipay modules including Payments Hub, Loan Payments, and BVV. Revenue derived from multi-year contracts with tiered pricing based on transaction volume and feature modules.
2. Transaction Processing Fees: Per-transaction fees from processing payments across RTP, FedNow, ACH, wire transfers, and Visa Direct. Volume-based revenue model supporting over 96 million transactions annually.
3. Implementation and Professional Services: Professional services for system integration, implementation, and modernization projects, as evidenced by multi-year transformation engagements with credit unions.

Go-to-market motion3 records

Distribution channels2 records

Marketing channels6 records

Core offering

Alacriti delivers cloud-native payment and money movement solutions through its Orbipay Platform to financial institutions, supporting ACH, wires, real-time payments via the RTP network and FedNow Service, digital disbursements, loan payment automation, and bank account validation across multiple payment rails. The platform enables banks and credit unions to consolidate fragmented payment systems into a unified, AI-driven infrastructure for modern money movement.

Product overview

Alacriti offers the Orbipay Platform, a cloud-native payments hub ecosystem designed for financial institutions. The core Orbipay Payments Hub unifies multiple payment operations across various rails including RTP network, FedNow Service, Visa Direct, and Fedwire. The platform includes specialized modules: Orbipay Loan Payments for loan payment automation, Orbipay BVV for bank account validation and verification, Orbipay EBPP for billing and payments, and Orbipay Payments Hub for Wires for wire transfer modernization. The company also offers AI-driven intelligence for fraud prevention and programmable money capabilities including stablecoins and tokenized deposits.

Differentiator

Problem solved

Functional benefit

Brands

• Orbipay: Cloud-native payments hub platform supporting ACH, wires, real-time payments, and digital disbursements across multiple payment rails including RTP network, FedNow Service, and Visa Direct. Includes Orbipay Loan Payments, Orbipay Payments Hub for Wires, and Orbipay BVV for account validation and verification.

Products and services

• Orbipay Payments Hub
• Orbipay Platform
• Orbipay Loan Payments
• Orbipay BVV (Bank Validation and Verification)
• Orbipay EBPP
• Orbipay Payments Hub for Wires
• Orbipay RTP Hub

Quantifiable outcome

• 71% of financial institutions view instant payments as strategically important or critical
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability5 records

Feature8 records

Partnerships

Six partnerships are on record, tiered minor, core and flagship.

• Banking ExchangeminorGTM or Marketing Partner · 1 April 2026Partnered for Payments and Innovation Conference at University of Connecticut Stamford Campus where Alacriti delivered keynote presentation to financial executives and graduate students.
• The Clearing HousecoreTechnology or Integration · 1 March 2026RTP network operator providing real-time payment rail infrastructure that Alacriti supports through Orbipay Platform, enabling financial institutions to offer instant payments 24/7.
• Federal ReservecoreTechnology or Integration · 1 March 2026FedNow Service operator providing instant payment rail infrastructure. Alacriti supports FedNow alongside RTP network, enabling dual-network approach for financial institutions.
• Callahan & AssociatesminorStrategic or Co-development Partner · 1 January 2026Co-hosted webinar examining how Request for Pay (RfP) technology benefits credit unions, combining Callahan's credit union industry expertise with Alacriti's payment technology capabilities.
• VisaflagshipTechnology or Integration · 1 November 2025Expanded Visa Direct integration into Orbipay Payments Hub enabling real-time payments for financial institutions in North America. Integration allows cross-border, multi-currency fund transfers with enhanced fraud controls and detailed reporting. Strategic partnership highlighted in PYMNTS coverage.
• BluefincoreTechnology or Integration · 1 October 2025Partnership integrates Bluefin's PCI-validated point-to-point encryption solution with Alacriti's Orbipay EBPP billing and payments platform. Enables banks, credit unions, and insurers to offer secure in-person payment experiences while reducing PCI compliance scope and costs.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bottomline Technologies: Bottomline provides payments automation, fraud detection, and real-time payment connectivity (RTP, FedNow) to banks and corporations — directly comparable to Alacriti's Orbipay Payments Hub and AI fraud modules serving U.S. financial institutions.
• Payrailz: Payrailz provides AI-driven payment and digital lending experiences to credit unions and community banks; directly comparable to Alacriti's credit-union-first go-to-market and loan payments focus.
• Modern Treasury: Modern Treasury offers API-first payment operations, bank account verification, and money movement to platforms and fintechs — comparable in providing developer-friendly payment infrastructure and account validation overlap with Orbipay BVV.
• Galileo Financial Technologies: Galileo is a payment processing platform offering multi-rail money movement, card issuance, and fraud tools to banks and fintechs; comparable in providing API-driven payments infrastructure to financial institutions, though broader in card issuing.

Emerging players

• Orum: Orum provides instant payment and payout infrastructure via a developer API, intersecting Alacriti's RTP/FedNow/Visa Direct focus but with a more fintech-platform customer base than traditional FIs.

Broad incumbents

• ACI Worldwide: ACI Worldwide delivers real-time, electronic, and digital payment processing solutions to banks, processors, and billers globally; overlaps with Alacriti's multi-rail payment hub focus but at much larger scale and broader geographic footprint.
• FIS: FIS provides core banking, payments, and treasury platforms to thousands of financial institutions, including real-time payment rails and fraud solutions; competes for the same modernization budgets Alacriti targets among top-100 U.S. banks.
• Fiserv: Fiserv's Clover, CashFlow Central, and other payment offerings serve banks and merchants with account-to-account, card, and real-time payment capabilities — a broad incumbent where Alacriti competes for FI modernization wallets.
• Jack Henry: Jack Henry provides core processing, payments, and digital banking to roughly 1,300+ U.S. banks and credit unions, including FedNow/RTP connectivity — directly overlapping Alacriti's credit-union and community-bank customer base.
• Finastra: Finastra offers core, payments, and lending software to banks globally with recent emphasis on real-time payments and open finance; competes head-to-head for FI modernization RFPs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/Alacriti

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alacriti