Global Payment Rails

Connect to worldwide payment networks with a single unified API. Process domestic and international payments with automated routing, reconciliation, and compliance.

Unified Payment Infrastructure

VectorOne provides direct access to global payment networks through a single, modern API. Whether you're processing domestic ACH transfers, international wires, or regional payment schemes, our infrastructure handles routing, compliance, and reconciliation automatically.

Eliminate the complexity of managing multiple banking relationships and payment integrations. VectorOne consolidates payment processing into one unified platform, reducing technical overhead and accelerating your time to market.

Supported Payment Networks

ACH (United States)

Same-day and next-day ACH transfers for US domestic payments. Support for standard, same-day, and instant ACH with automatic retry logic.

SEPA (Europe)

Single Euro Payments Area transfers for EUR-denominated payments across 36 European countries. Instant and standard SEPA supported.

SWIFT Network

International wire transfers via the SWIFT network. Support for 100+ currencies and 200+ countries with real-time tracking.

Domestic Wires

US domestic wire transfers via Fedwire for same-day, high-value transfers with guaranteed settlement.

Local Payment Methods

Region-specific payment rails including Faster Payments (UK), BACS (UK), BECS (Australia), and other local schemes.

Real-Time Payments (RTP)

Instant payment networks including RTP (US), FedNow (US), and other real-time clearing systems.

Key Features

Intelligent Routing

Automatic payment routing based on currency, destination, speed requirements, and cost optimization.

Compliance Built-In

Automated sanctions screening, AML checks, and regulatory reporting for all payment types and jurisdictions.

Automated Reconciliation

Real-time reconciliation across all payment rails with automated matching and exception handling.

Real-Time Status

Live payment tracking with webhook notifications for status changes, returns, and settlements.

Batch Processing

Efficient bulk payment processing with automatic batching, scheduling, and error handling.

Multi-Currency Support

Process payments in 100+ currencies with competitive FX rates and transparent pricing.

How It Works

1. Single API Integration

Integrate once with VectorOne's unified payment API. No need to connect to multiple banks or payment processors.

2. Initiate Payments

Submit payment instructions via API specifying amount, currency, destination, and speed. Our system handles routing and compliance automatically.

3. Automated Processing

VectorOne routes payments through the optimal network, performs compliance checks, and manages end-to-end processing.

4. Real-Time Updates

Receive webhook notifications for payment status changes. Access detailed reporting and reconciliation data via API or dashboard.

Use Cases

Marketplace Payouts

Instant seller payouts, automated commission splits, and multi-party settlements for e-commerce and service marketplaces.

Cross-Border Payments

International money transfers, supplier payments, and global payroll with transparent FX and competitive rates.

Bill Payments

Automated recurring payments, invoice processing, and accounts payable automation for businesses.

Payroll Processing

Employee salary disbursements, contractor payments, and earned wage access via ACH and real-time rails.

Lending Disbursements

Loan funding, credit line advances, and repayment processing for lending platforms.

Treasury Management

Corporate cash management, liquidity movement, and multi-entity fund transfers for enterprises.

Ready to Streamline Your Payment Processing?

Connect with a VectorOne payments specialist to discuss your requirements

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