Incoming Transact unifies payments for companies, vendors, and individuals. Onboard fast, move money securely, and reconcile in real-time — all with a beautiful dashboard and robust APIs.
Unified APIs, beautiful components, and turnkey KYC/KYB onboarding flows help you go live fast across use-cases: company payroll, vendor payouts, and peer payments.
Single interface for Card (Visa/Mastercard/Amex), PayPal orders, ACH debit/credit via NACHA files or RTP rails (where available), and directory-partner Zelle® flows.*
Optimize cost & approvals with rule-based routing. Fallback between networks with automatic retries.
KYC/KYB checks, sanctions screening, device fingerprinting, velocity limits, and dispute tooling.
Ledger, payouts scheduling, reconciliation, exports, and webhooks. Close faster with audit-ready reports.
Pay companies, settle vendors, or transfer to individuals. Mix rails per transaction or per segment with policy controls.
* Zelle® functionality requires participation via an eligible financial institution partner program; public APIs are not generally available to third parties. Instant options subject to partner and risk review.
Incoming Transact is a unified payments platform that helps businesses accept money and send payouts across multiple rails — Cards, ACH, PayPal, and (via eligible bank partners) Zelle® directory flows. We orchestrate the right payment method for each use case, improve authorization rates with smart routing, and give finance teams the tooling they need to reconcile in real-time.
Who we serve: Marketplaces, SaaS, payroll & gig platforms, B2B commerce, professional services, and startups that need fast onboarding with strong compliance.
How it works: Connect your business, choose payment rails, invite teammates, and use our dashboard and APIs to accept payments, schedule payouts, and export audit-ready reports. Our risk engine handles KYC/KYB, sanctions checks, device fingerprinting, and velocity limits to keep your program safe.
Zelle® functionality is available only through eligible financial institution partner programs. Availability may vary by region and use case.
KYC/KYB, sanctions & PEP screening, PCI-aware tokenization, passkeys/2FA.
Go live quickly with drop-in components and friendly APIs.
Ledger, payouts scheduling, reconciliation, exports, and webhooks.
Policy controls for geo, method, and risk — scale with confidence.
Prebuilt connectors and SDKs. Configure from the dashboard — no heavy lifts.
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Interchange + platform fees. Volume discounts unlock automatically. No surprise markups.
* Example blended card pricing. ACH, PayPal, instant payouts, and Zelle® partner options priced separately.
Use our REST APIs or drop-in UI components. Below is a sample client call (pseudo) to illustrate the experience.
// Create a payment intent (pseudo-code)
POST /v1/payments/intents
{
"amount": 4900,
"currency": "USD",
"methods": ["card", "paypal", "ach"],
"metadata": {"order_id":"4821"}
}
// Capture after authorization
POST /v1/payments/{id}/captureNote: Zelle® rails require eligible participating bank partners — no public API. We provide orchestration when enabled by your FI program.
Spin up test keys, webhooks, and simulate web/mobile checkout in minutes.
“Incoming Transact helped us roll out vendor payouts in a week. Approval rates improved and reconciliation became… enjoyable.
— Alex R., COO
“The dashboard is gorgeous and the APIs are clean. Our finance team sleeps better now 😴.
— Priya S., CTO
Create your account in minutes. Add team members, configure methods, and ship your first payment today.