pahtwand delivers modular, API-first financial building blocks — so product teams can compose exactly the stack they need. Accounts, payments, compliance, and more. Pick what fits, leave what doesn't. No bloat, no over-engineering.
Select any solution below to explore capabilities in depth. Each pillar is production-ready and built to operate independently or as part of a combined pahtwand deployment.
Move money with confidence — from next-day ACH to real-time push-to-card, pahtwand's payment rails give your platform the speed and reliability modern businesses demand.
Launch a fully branded card program without becoming a bank. pahtwand provides BIN sponsorship, processor connections, and program management so you can issue cards that reflect your brand and your customers' needs.
Embed credit directly into your platform and offer businesses the capital they need when they need it. pahtwand's lending infrastructure handles origination, underwriting support, and servicing in a compliant framework.
Power tax season with infrastructure built for speed and scale. From rapid refund disbursement to tax advance lending, pahtwand gives tax preparers and fintechs the tools to deliver value at filing time.
Give your users a place to hold funds they can trust. pahtwand's deposit infrastructure provides FDIC-insured accounts for partner platforms — enabling savings features, yield products, and operating accounts without a bank charter.
Stay ahead of regulatory obligations without building a compliance team from scratch. pahtwand's Compliance-as-a-Service offering wraps proven screening, monitoring, and reporting capabilities into a single programmatic layer.
pahtwand's solutions are architected to work in concert. Most partners deploy multiple pillars through a single integration, reducing vendor complexity and accelerating time to market.
1POST /v1/payments/initiate2Authorization: Bearer sk_live_••••••••••••3Content-Type: application/json45{6 "amount": 2500.00,7 "currency": "USD",8 "source": {9 "account_id": "acc_9Kx2mP7rT",10 "type": "bank_account"11 },12 "destination": {13 "account_id": "acc_4Lw8nQ1sY",14 "routing": "021000021"15 },16 "idempotency_key": "pay_idem_7aX9",17 "metadata": {18 "reference": "INV-2025-00847"19 }20}2122// Response 201 Created23{24 "payment_id": "pmt_c3F9zR2eW",25 "status": "processing",26 "estimated_settlement": "2025-07-14T18:00:00Z"27}
pahtwand is built for engineering teams that demand precision. Every endpoint is designed with real-world payment flows in mind — consistent, documented, and ready to integrate in hours, not weeks.
Standardized HTTP endpoints with predictable resource-oriented URLs, full OpenAPI 3.0 specification, and versioned releases ensuring backward compatibility.
Full-featured staging environment mirroring production. Simulate payments, failures, and edge cases without touching live funds — available 24/7, no approval needed.
Real-time event delivery for every state change — payment settled, account created, KYC updated. Signed payloads with automatic retry logic and delivery logs.
Official libraries for Node.js, Python, Go, Java, and Ruby. Type-safe, thoroughly documented, and maintained in lockstep with API releases so you ship faster.
99.99{7689b8d9f1218efdd37f5d3fd2be1f0f57fa5815fdabee689ea413c98a8198c8} uptime SLA backed contractually. Sub-200ms p99 API latency, dedicated infrastructure failover, and a real-time status page with historical incident reports.
Banking Infrastructure That Moves Business Forward.
Empowering businesses with modern embedded banking solutions — from account issuance to real-time payments and beyond.
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Member FDIC. Deposits insured up to $250,000 per depositor.