Unified Real-Time Payments API
for Pay-Ins & Pay-Outs
Send and receive money instantly across every major U.S. real-time payment network — with one API.
Our 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. Eliminate multi-vendor complexity and launch faster with enterprise-grade reliability.
How It Works?
Integrate Once
Connect to our API and access every major U.S. payment rail.
Submit Payments
Send pay-ins or pay-outs through a single endpoint.
Smart Routing
Our platform automatically selects the optimal payment rail for each transaction, balancing speed, cost and reliability.
Stay Compliant
Built-in KYC, KYB, OFAC screening and fraud controls ensure every transaction meets regulatory standards.
One API - Every Major U.S. Payment Rail
Your Application
Wyzia Unified API
Single integration point for all payment rails
Supported Payment Rails
Instant access to 6 major payment networks
RTP
Send & Receive
FedNow
Send & Receive
Zelle
Send & Receive
Visa Direct® & Mastercard Send®
Send
RFP
Receive (RFP)
Same-day & next-day ACH
Send & Receive
Why Companies Choose Wyzia?
One Integration for All Major U.S. Payment Rails
Access ACH, RTP®, FedNow®, RFP, Zelle®, Visa Direct® and Mastercard Send® without the hassle of separate onboarding, contracts, or engineering work.
Real-Time Payments, 24/7/365
Process payments instantly, any time of day, with intelligent failover routing to ensure transactions complete even if a rail is unavailable.
Compliance Built In
KYC, KYB, OFAC screening, fraud detection, transaction monitoring and audit-ready reporting are included—so you can focus on your business, not regulatory headaches.
Enterprise-Grade Reliability
Designed for mission-critical payments with 99.999% uptime, redundancy and multi-rail fallback to keep your payments flowing.
Developer Features
Sandbox and production environments
Test and scale with confidence.
SDKs for popular languages
Node.js, Python, Java, and Go
Real-time webhooks
Stay updated on every transaction.
Built-in reconciliation
Simplify tracking with ledgering and reporting.
Pre-integrated KYC/KYB
Save time with ready-to-go compliance flows.
Ready to Perfect Your Payments? ✨
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