Wyzia Financial
Wyzia Financial provides a unified B2B payments API connecting RTP, FedNow, Zelle, ACH, Visa Direct, and Mastercard Send, serving mid-market and enterprise customers across iGaming, insurance, payroll, fintech, financial services, and SaaS verticals.
- Company typePrivate
- Founded2013
- HeadquartersWinnipeg, Canada
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Wyzia Financial does
Wyzia Financial Inc. is a private B2B payment infrastructure company headquartered in Scottsdale, Arizona, founded in 2013 by Guy Fietz and operating with 11–50 employees. The firm sells a Unified Real-Time Payments API that abstracts six major U.S. payment rails (RTP, FedNow, Zelle, ACH, Visa Direct, Mastercard Send) behind a single integration, with intelligent routing, multi-rail fallback, built-in compliance (KYC, KYB, OFAC, PCI-DSS), and developer tooling (SDKs, sandbox, webhooks, reconciliation ledgering). Wyzia's core customers are mid-market and enterprise businesses across six verticals — iGaming, Financial Services, Fintech, Insurance, Payroll, and SaaS — that require real-time pay-in and pay-out capabilities. The firm also operates FastPay, an earned wage access product powered by a partnership with FlexWage, delivering real-time wage payouts to employees of large QSR employers via Zelle.
Wyzia generates revenue primarily through transaction-based processing fees on payment volume, supplemented by partnership/reseller economics from ISO, ISV, and white-label gateway partners. Go-to-market is API-first with enterprise field sales via "Book a Demo" CTAs, supplemented by a multi-tier channel partner program and quote-based pricing. The firm holds Zelle Approved Third-Party Sender status (a regulatory credential granted by Early Warning Services) and is aligned with PCI-DSS, BSA, NIST Cybersecurity Framework, GDPR, and CCPA compliance standards. The platform processes 900,000+ transactions daily and roughly $10B in annual payment volume, with no publicly disclosed revenue or external funding rounds. Strategic activity since 2022 has focused on U.S. rail expansion, channel partner buildout, international expansion (2025), and the FastPay EWA line.
Wyzia Financial firmographics
Firmographics- Name
- Wyzia Financial
- Legal name
- Wyzia Financial Inc.
- Website
- https://wyzia.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Wyzia Financial provides a unified B2B payments API connecting RTP, FedNow, Zelle, ACH, Visa Direct, and Mastercard Send, serving mid-market and enterprise customers across iGaming, insurance, payroll, fintech, financial services, and SaaS verticals.
- Ownership category
- akta.pro rank
Wyzia Financial industry classification
Industry- Product category
- Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Other Activities Related to Credit Intermediation (522390)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)
- akta.pro secondary industry
- Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)
Keywords
Where Wyzia Financial is headquartered
LocationHeadquarters
- HQ city
- Winnipeg
- HQ country
- Canada
- HQ region
- North America
Offices1 record
Markets served
Wyzia Financial business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Others
Revenue model
- Payment Processing & Transaction Fees: Revenue generated from processing B2B payment transactions across multiple rails including RTP, FedNow, Zelle, ACH, Visa Direct, and Mastercard Send. Transaction fees based on payment volume processed through the unified API platform.
- Partnership/Reseller Programs: Revenue from channel partners including ISOs, merchant service agents, and white-label gateway resellers who pay for access to the payment platform, API integration, and support services.
- FastPay (Earned Wage Access): EWA service powered by FlexWage partnership. Revenue generated from employer-integrated earned wage access solutions enabling real-time wage payouts to workers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Enterprise/B2B transaction-based pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
Wyzia Financial product offering
Product offeringCore offering
Wyzia Financial provides a unified real-time B2B payment infrastructure platform that connects merchants and businesses to multiple U.S. payment rails (RTP, FedNow, Zelle, ACH, Visa Direct, Mastercard Send) through a single API integration. The platform includes intelligent routing, automated failover, built-in compliance (KYC/KYB, OFAC, PCI-DSS), and developer tools, complemented by FastPay (earned wage access) and Wyzia Secure (identity verification).
Product overview
Wyzia Financial is a B2B payment infrastructure platform offering a unified API product that connects to multiple payment networks (RTP, FedNow, Zelle, Visa Direct, Mastercard Send, ACH) for real-time pay-ins and pay-outs. The core product is the Unified Real-Time Payments API, complemented by FastPay (an earned wage access sub-product powered by FlexWage) and Wyzia Secure (a KYC/identity verification add-on module). The platform serves industries including iGaming, Financial Services, Fintech, Insurance, Payroll, and SaaS with compliance and fraud protection built into the infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- FastPay: Earned Wage Access (EWA) product by Wyzia that allows employees to receive a portion of their accrued pay before their scheduled payday. FastPay is powered by FlexWage and delivers funds primarily through Zelle.
Products and services
- Unified Real-Time Payments API A single API that enables real-time pay-ins and pay-outs across ACH, RTP, FedNow, Request for Payment (RFP), Zelle, Visa Direct and Mastercard Send payment rails through one integration, dashboard and compliance framework. Includes intelligent routing, multi-rail fallback, sandbox and production environments, real-time webhooks, built-in reconciliation, and SDKs for Node.js, Python, Java, and Go.
- FastPay
Quantifiable outcome
- 900,000+ transactions processed daily
- +5 more outcomes
Companies that use Wyzia Financial
Customer profileNamed customers5 records
Segments6 records
Ideal customer profiles6 records
Wyzia Financial technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature7 records
Wyzia Financial partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- FlexWagecoreFlexWage powers Wyzia's FastPay earned wage access (EWA) solution. Wyzia leverages FlexWage's EWA platform trusted by major employers including Wendy's, McDonald's, Applebee's, Burger King, and Zaxby's. FastPay integrates with Wyzia's payment infrastructure to deliver real-time wage payouts via Zelle and additional payment rails.
- Early Warning Services, LLC (Zelle)coreWyzia holds Zelle Approved Third-Party Sender status, enabling the company to offer Zelle-based real-time B2C payment experiences. Zelle provides coverage of 160+ million Americans and 2,300+ banks, allowing Wyzia customers to deliver funds directly to recipients' bank accounts via email or phone number.
- The Clearing House (RTP Network)coreIntegrated payment rail providing instant bank-to-bank payments settled in seconds. Wyzia's unified API enables send and receive capabilities via RTP network as part of its multi-rail payment infrastructure.
- Federal Reserve (FedNow)coreIntegrated payment rail providing instant payment service for participating financial institutions. Wyzia offers FedNow integration through its unified API for real-time payment processing.
- Visa (Visa Direct)corePush-to-card payment capability with domestic and international reach. Wyzia integrates Visa Direct enabling real-time push payments to debit and prepaid cards.
- Mastercard (Mastercard Send)coreReal-time push payments to debit and prepaid cards integrated via Wyzia's unified API, complementing Visa Direct for comprehensive push-to-card coverage.
Scale indicators5 records
Recent moves9 records
Expansion highlights6 records
Wyzia Financial competitors and assessment
Company assessmentDirect peers
- Dwolla: Dwolla operates a payment API platform focused on ACH and real-time bank-to-bank transfers with intelligent routing. It competes head-to-head with Wyzia in the U.S. payment orchestration layer for enterprises that want a unified API across modern rails.
- Orum: Orum is a payment orchestration platform that uses intelligent routing and bank connections to move money faster across rails. Its positioning on real-time B2B payouts and API-first orchestration directly overlaps with Wyzia's core product.
- Modern Treasury: Modern Treasury provides a payment operations platform with APIs for initiating, tracking, and reconciling bank-to-bank payments across ACH, RTP, and wire. It targets the same developer-first enterprise B2B treasury use cases that Wyzia addresses.
- Token.io: Token.io operates an open banking payment platform enabling real-time account-to-account transfers via a single API. It targets B2B and B2C payouts across European and U.S. rails, overlapping with Wyzia's real-time payout positioning.
- Finix: Finix provides payment infrastructure that lets businesses accept, split, and disburse payments via a single API with embedded compliance. It competes with Wyzia in API-first multi-rail B2B payment orchestration, particularly for marketplaces and platforms.
Broad incumbents
- Stripe: Stripe is a global payments platform with broad merchant acquiring, Stripe Treasury, and Instant Payouts capabilities. It overlaps with Wyzia in real-time payouts and embedded payments but serves a much wider customer base beyond Wyzia's B2B infrastructure focus.
- Plaid: Plaid provides financial connectivity and account authentication infrastructure that underpins many real-time payment flows. While broader than Wyzia, its balance, identity, and payment-initiation capabilities intersect with Wyzia's verification and payout use cases.
- Galileo Financial Technologies: Galileo (owned by SoFi) offers payment processing infrastructure for fintechs including card issuing, ACH, and real-time transfers. It serves as a broad incumbent in the payment API infrastructure layer where Wyzia competes.
- ACI Worldwide: ACI Worldwide operates real-time payment platforms (including ACI Speedpay and PAY.ON) used by banks and corporates globally. It is an established incumbent in real-time payment infrastructure, competing with Wyzia at the bank and large enterprise tier.
Emerging players
- Synctera: Synctera is a fintech-as-a-service platform pairing sponsor banks with fintechs and offering embedded payment and account infrastructure. Its payments and disbursement capabilities overlap with Wyzia's API-first B2B offering for fintech customers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Wyzia Financial social profiles
Digital presenceWyzia Financial compliance and trust
Trust signalCompliance5 records
Wyzia Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wyzia Financial leadership team
Management profileNumber of profiles
Profiles8 records
Wyzia Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wyzia Financial 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 Wyzia Financial
What does Wyzia Financial do?
Wyzia Financial provides a unified real-time B2B payment infrastructure platform that connects merchants and businesses to multiple U.S. payment rails (RTP, FedNow, Zelle, ACH, Visa Direct, Mastercard Send) through a single API integration. The platform includes intelligent routing, automated failover, built-in compliance (KYC/KYB, OFAC, PCI-DSS), and developer tools, complemented by FastPay (earned wage access) and Wyzia Secure (identity verification).
Is Wyzia Financial a public or private company?
Wyzia Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Wyzia Financial founded?
Wyzia Financial was founded in 2013. It employs 11 to 50 people.
Where is Wyzia Financial based?
Wyzia Financial is headquartered in Winnipeg, Canada, in the North America region.
How does Wyzia Financial make money?
Three revenue lines are on record. Payment Processing & Transaction Fees are the primary driver. The others are partnership/Reseller Programs and fastPay (Earned Wage Access).
Who are Wyzia Financial's main competitors?
Direct peers on record are Dwolla, Orum, Modern Treasury, Token.io and Finix. Broad incumbents are Stripe, Plaid, Galileo Financial Technologies and ACI Worldwide. Synctera is listed as an emerging player.
Does Wyzia Financial have an API?
Yes. Wyzia's Unified Payments API enables real-time pay-ins and pay-outs across ACH, RTP, FedNow, Request for Payment (RFP), Zelle, Visa Direct and Mastercard Send through a single integration, dashboard and compliance framework. Features include sandbox and production environments, real-time webhooks, built-in reconciliation with ledgering and reporting, and pre-integrated KYC/KYB compliance flows. Enterprise-grade reliability with 99.999% uptime, redundancy and multi-rail fallback routing. Developer documentation is at wyzia.com/en-us/solutions.
What industry is Wyzia Financial in?
Wyzia Financial's product category is Payment Infrastructure. Its primary akta.pro industry code is FSABALAB, Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks), with a secondary code of FSAGAKAC, Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace). Its NAICS code is 522320 and its SIC code is 6199.