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Orum is the simplest API for fast, reliable payments. Our one solution delivers access to RTP, FedNow, Same Day ACH, ACH, Wires –– and now instant account verification.

Launch payments in two weeks or less Access all major rails without costly bank integrations. Our payment API orchestrates money movement, optimizing for speed and cost.

Verify accounts instantly Our patented technology determines within 15 seconds whether an account is open and valid. We cover 100% of U.S. bank accounts.

Safeguard your business Don’t bet your business on an unreliable bank or payments partner. We provide a reliable, tested, and trusted solution in a world of real-time expectations.

Founded by Stephany Kirkpatrick and led by expert fintech operators from LearnVest, Square, N26, Klarna, Marqeta, and Stash, Orum has raised over $82M from leading investors, including Accel, Canapi, Bain Capital Ventures, Inspired Capital, Homebrew, Acrew, BoxGroup, Clocktower Ventures, Primary Ventures, and American Express Ventures. We provide the technology and expertise required to power a better financial system where everyone has the freedom to build to their potential. To learn more, visit