What Actum Processing, LLC does

Actum Processing, LLC is a privately held, boutique ACH (Automated Clearing House) payment processor founded in 2011 and headquartered in Austin, Texas (11-50 employees). The company enables merchants and software platforms to initiate and receive electronic payments through three integration methods—a web-based Actum Portal, SFTP batch file uploads, and a RESTful API for embedded deployment—operated as a Third Party Sender under NACHA rules in partnership with Originating Depository Financial Institutions. Its core platform is augmented by Authentecheck (real-time bank account and identity verification via Plaid), Accelerated Payouts (settlement compressed from 5 business days to 2, 1, or 0), Same Day ACH, Real-Time Payments (RTP), a recurring payments scheduler, and white-label API solutions for ISVs. Security features include tokenization of bank account numbers, TLS 1.2 encryption, multi-factor authentication, and reporting with exposure limit controls.

Name

Actum Processing, LLC

Legal name

Actum Processing, LLC

Website

https://actumprocessing.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Actum Processing is a privately held Austin-based ACH payment processor founded in 2011 that provides web portal, SFTP batch, and REST API integration to merchants, ISVs, and ISO/resellers across 16 vertical industries, with add-on products for real-time verification, accelerated payouts, and same-day ACH.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Third-Party Sender (TPS) & ACH Aggregation (FSAMAGAD)

akta.pro secondary industries

Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), ACH Disbursements & Bulk Payout Processing (FSAMAGAF), ACH File Format, Validation & Transformation (CCD/PPD/CTX/IAT) (FSAMAGAK), Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ), ACH & Batch Payments Clearing (FSABAJAH)

Keywords

• ACH payment processing
• Bank verification services
• Payment API integration
• White-label payments
• Real-time payments

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. ACH Transaction Processing Fees: Per-transaction fees charged to merchants for processing ACH debits and credits. Fees include per debit transaction fees, discount rates, and per-occurrence fees for specific transaction types. Volume-based pricing with flexible terms available for startups and emerging markets.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Actum Processing provides ACH (Automated Clearing House) payment processing services that enable businesses to send and receive electronic bank transfers. The platform supports three submission methods—web-based merchant portal, SFTP batch file uploads, and RESTful API integration—and offers supplementary services including the Authentecheck real-time bank verification product, Same Day ACH, Real-Time Payments, Accelerated Payouts, and white-label ACH solutions for software companies (ISVs) and resellers.

Product overview

Actum Processing is a boutique ACH payment processing firm offering a unified platform with multiple processing methods (web portal, batch upload, API integration) and supporting products. The core offering is ACH Payment Processing, which is complemented by Authentecheck for verification, the Actum Portal for reporting and management, and various add-on modules including Accelerated Payouts, Real-Time Payments, Same Day ACH, and Recurring Payments Scheduler. White Label API Solutions enable software companies to embed and resell these capabilities under their own brands.

Differentiator

Problem solved

Functional benefit

Brands

• Authentecheck: Rapid bank account verification solution that verifies identity, account balance, and account numbers in real-time.

Products and services

• ACH Payment Processing Core ACH payment processing service that enables businesses to send and receive electronic payments through the ACH Network. Supports web-based portal entry, batch file upload via SFTP, and API integration. Used by merchants, software companies, and resellers across multiple industries.
• Authentecheck Real-time identity and bank account verification solution that allows merchants to verify consumer identity, account balance, and account numbers before processing ACH transactions, helping reduce fraud and returns. Uses Plaid Inc. for data aggregation.
• Actum Portal Web-based merchant dashboard providing real-time transaction reporting, returns management, exposure limit controls, custom report creation, and user management with multi-factor authentication support. Available to merchants with unlimited seats and permission settings.
• White Label API Solutions Highly automated white-label API solutions that allow software companies (ISVs) and resellers to embed ACH payment functionality directly into their platforms while maintaining their own branding and look-and-feel.

Quantifiable outcome

• Settlement periods shortened from 5 business days to 2, 1, or 0 business days with Accelerated Payouts
• +2 more outcomes

Named customers1 record

Segments17 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature10 records

Partnerships

One partnership is on record.

• Plaid Inc.coreTechnology or IntegrationActum uses Plaid's data aggregation services within the Authentecheck product to securely access and verify consumer financial institution data. Plaid provides the infrastructure for connecting to consumers' bank accounts to retrieve account information needed for ACH verification and processing.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Dwolla: Dwolla is an ACH-focused API platform that enables businesses to initiate and receive bank transfers programmatically. It is the most direct competitor to Actum, targeting software platforms and offering white-label/embedded ACH with similar settlement and verification features.
• Finix: Finix is a payments infrastructure provider that lets SaaS platforms embed and monetize payment processing under their own brand. It directly overlaps with Actum's white-label API offering for software companies, competing for the same ISV customer segment.
• Modern Treasury: Modern Treasury is a payments operations platform that provides APIs for ACH, wires, RTP, and reconciliation. It targets fintechs and software companies with embedded bank-payment workflows, mirroring Actum's ISV/embedded positioning with a stronger developer brand.
• Increase: Increase is an API-based banking and payments infrastructure provider offering ACH, RTP, and treasury tools aimed at fintechs and platforms. It is a credible newer entrant in the same API-first ACH-for-software-companies category where Actum competes.

Others

• Plaid: Plaid is a data-aggregation and bank-connectivity platform that Actum uses as infrastructure for Authentecheck. Plaid is also a competitor in account verification and increasingly offers payment initiation (Plaid Transfer), placing it in an adjacent — and partially competing — position.

Broad incumbents

• Trustly: Trustly is a bank-payment network offering direct-from-bank transfers across the U.S. and Europe. It competes with ACH-based APIs for one-time and recurring bank payments, especially where merchants want a single integration for ACH-like transfers.
• Stripe: Stripe is a global payments platform that supports ACH debit payments alongside cards, wallets, and emerging rails via API. While not ACH-focused, its scale, developer ecosystem, and embedded-payments push overlap directly with Actum's API-first ISV value proposition.
• Forte Payment Systems (CSG Forte): CSG Forte is an established payments platform offering ACH and card processing for software companies and ISVs. It overlaps with Actum's ISV channel and embedded-payments approach, particularly in verticals like lending and SaaS billing.
• ACI Worldwide: ACI Worldwide is a large incumbent provider of real-time and bulk payments software, including ACH origination and fraud management. It competes with Actum at the enterprise and processor level for ACH and faster-payment volumes.
• Block (Square): Block (Square) is a broad incumbent in SMB payments that has steadily added ACH and bank-transfer functionality across its seller and developer ecosystems. It competes indirectly with Actum for SMB and software-platform ACH volume, though its core focus remains cards.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Actum Processing, LLC