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Multi-Rail Payment Gateway

Enable your business to push and pull funds in real-time

  • Debit

    Streamline business payments with real-time, secure debit transactions.

  • Visa Direct

    Send and receive money from almost any Visa card in real-time.

  • Money Transfer

    Facilitate seamless payments by connecting to North America鈥檚 banking network.

  • ACH

    Push and pull funds at scale, to and from a bank account, in real-time with higher funding limits.

  • Credit Cards

    Access cost-effective credit card processing to ensure no payment is missed.

  • Mastercard Send

    Improve budget management, enhance security, and offer unparalleled convenience.

BaaS + Card Issuance

Utilize our E-Bank services to issue branded physical and digital cards to your customers.

  • Request a Demo

  • OUR CLIENTS

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    We've simplified the
    complexities of payments

    Z奴m Rails brings together sophisticated software, enhanced payment mechanics and data aggregation to enable virtually instant payment processing options for both accounts receivable and payable.

    Request Sandbox Access

    See for yourself

    See how Z奴m Rails can streamline your financial interactions and make your organization鈥檚 payments faster while using our KYC tools to get end user insight results back immediately.

    Streamline Payments with Open Banking Aggregation

    Experience the power of instant, secure bank account connections with Z奴m Rails鈥� open banking-enabled aggregation. Eliminate manual processes, improve underwriting, and mitigate risks with real-time access to KYC details, account balances, and transaction histories. Our solution delivers a seamless, data-driven payment experience, enhancing the customer journey while providing critical insights to drive informed decisions.

    Learn more about our financial data aggregation feature

    Simplify Billing with Automated Invoicing & Subscriptions

    Optimize recurring payments and billing processes with Z奴m Rails’ automated invoicing and subscription services. Accept payments 24/7 via EFT, ACH, Interac, Debit, Credit Card, and Visa Direct, while offering customized invoices, recurring billing, and real-time payment tracking. With PCI-compliant security and robust reporting tools, businesses can drive predictable revenue, retain customers, and unlock growth opportunities.

    Learn more about our invoicing & subscription features

    Flexible Payment Gateway for Seamless Transactions

    Z奴m Rails鈥� all-in-one payment gateway offers versatile payment options tailored to your workflow. Whether through our user-friendly portal or robust API, businesses can process payments with ease using EFT, ACH, Visa Direct, Mastercard Send, Interac, credit cards, or money transfers. Backed by billions of secure transactions annually, our gateway ensures reliability, scalability, and efficiency for financial operations.

    Learn more about our payment gateway

    Build Security into Every Payment Journey

    At Z奴m Rails, we embed advanced fraud mitigation and cybersecurity into every payment process. From KYC validation and real-time balance monitoring to 3D Secure 2.0 and sanction screening, our multi-layered approach ensures compliance and protects against fraud. Upcoming features, such as account control and ownership verification, provide further protection, giving businesses peace of mind to focus on growth.

    Learn more about our advanced fraud reduction features

    Optimize Financial Operations with Data-Driven Insights and Automated Reconciliation

    Z奴m Rails revolutionizes financial reconciliation and operations with advanced automation tools. Gain actionable insights from detailed customer reporting, transaction metrics, and payment histories. Track accounts receivable and payable, analyze failed payments, and access revenue and retention data for invoices and subscriptions. With automated reconciliation and failure reporting, Z奴m Rails saves time, enhances accuracy, and enables data-driven decisions.

    Learn more about our automated reconciliation feature

    Simplify Payments with Z奴m Rails Payment Links

    Make getting paid effortless with Z奴m Rails Payment Links. Create and share secure links via email, text, or digital channels, enabling customers to pay using their preferred method鈥擡FT, ACH, Interac, credit cards, Visa Direct, or debit cards. Tailor Payment Links to your brand, support one-time or recurring transactions, and safeguard every payment with PCI-compliant security and advanced encryption.

    Learn more about our payment links feature

    Partner Portal for Efficient Business Management

    Streamline operations with the Z奴m Rails Partner Portal. Manage accounts, applications, and workflows with ease, using tools like DocuSign and automated notifications. Access actionable metrics and real-time insights to optimize financial performance and transparency. Simplify business management and unlock growth opportunities with this all-in-one intuitive solution.

    Learn more about our Partner Portal

    Financial Data & Insights: Smarter Decisions Made Simple

    Transform raw data into actionable insights with Z奴m Rails’ analytics platform. Evaluate income trends, expense patterns, and cash flow to enhance underwriting, risk assessments, and customer experiences. With seamless integration, high labeling accuracy, and ready-to-use data, our insights empower businesses to make informed decisions, optimize operations, and build trust.

    Learn more about our insights features

    BaaS & Card Issuance: Redefining Fintech

    Z奴m Rails鈥� Banking as a Service (BaaS) solution empowers businesses to deliver scalable financial services effortlessly. With seamless API integration, secure card issuance, and personalized banking features, our platform drives exceptional customer experiences. Built with top-tier compliance and security, Z奴m Rails helps businesses grow confidently while safeguarding customer trust.

    Learn more about our BaaS & Card Issuance offering

    Recent articles,

    from our blogs

    5 Ways to Reduce Failed Transactions and Optimize Cash Flow with Instant Micro Insights
    Published:April 7, 2025365Views0Likes
    From Chargebacks to Cybercrime: How Businesses Can Build a Fraud-Proof Payment System
    Published:March 25, 2025299Views0Likes
    2025 Payments Predictions: The Future of Seamless Transactions
    Published:January 7, 20258KViews13KLikes
    Future of Payments: Financial Service Predictions for 2024+
    Published:December 7, 2023Updated:June 5, 20248KViews13KLikes
    CONTACT US

    Have questions?
    Get in touch!

    info@ca.zumrails.com

    info@ca.zumrails.com

    Need technical support?

    Reach out to our team

    info@ca.zumrails.com

    +1 438 802 1314