Welcome
Orum transforms payment technology for businesses, revolutionizing payment speed, certainty, and orchestration through unified API-based solutions.
Quickstart
Get up and running with Orum.
API Reference
Build your integration and make money move.
MCP Server
Connect AI models to Orum’s API.
Get in touch today — we’d love to show you how fast we can get you up and running.
Deliver
Deliver payments 24/7 with our unique ‘Direct to Fed’ money movement solution.
Access the simplest API for fast, reliable payments. With one integration, our Deliver API gives you access to FedNow, RTP, Same Day ACH, ACH, Wires — and now Visa Direct. You’ll benefit from bank-rate pricing and expanded processing as Deliver is built on a rare direct connection to the Federal Reserve’s payment rails as a service provider.
Verify
Verify bank accounts instantly with our new technology
Our first-of-its-kind technology instantly verifies account status, ensures the end user has control of the account, and determines for business and consumer accounts whether the name provided matches data tied to the account being verified.
| Tier | Description |
|---|---|
| Account Status | This first tier – built on FedNow – validates status and covers 100% of accounts in the U.S. Verifying account status fulfills Nacha requirements by determining whether an account is open, valid, and ready to send/receive payments. Unlike microdeposits, we don’t rely on end users, eliminating customer friction. |
| Account Control | This second tier is 160x faster than microdeposits and ensures the user has control of the account, combatting Reg E fraud. Verify drops a code into the account and prompts the user to authenticate it. |
| Account Ownership | This third tier determines for business and consumer accounts whether the name provided matches data tied to the account being verified. Optional additional fields include Phone Number, SSN, and Tax ID to enhance payment certainty. |
Monitor
Monitor money movement in real time with the first portal built to optimize payment operations.
Our intuitive portal provides a real-time look at your transfers and bank account verifications, making it easy to reconcile balances, troubleshoot customer issues, and export reports.