Reinvent the way you pay.

Companies of all sizes use FinZeo financial software and APIs to manage their business from accepting payments to sending payouts, Instant Bank Analysis, mobile payments, text to pay, IVR, and much more.

All-in-One Financial Platform


The Platform to Help Grow Your Business

FinZeo’s diverse suite of financial tools drive operational efficiencies and growth while providing the economic convenience that merchants demand.

The FinZeo Platform

Connect your mobile, online and in store payments into one system.

Online Services

Accept online payments on any channel via credit & debit cards or mobile wallets. Whatever your business model, setup is quick and easy.


Customizable mobile technology makes it easier than ever for you to build a branded payment processing experience for your customers that’s secure, convenient, and scalable.

Point Of Sale

Use any terminal with your POS for simple payment acceptance.

Virtual Terminals

Key in payments on your keyboard, phone, or tablet and collect payments in seconds. Use any internet connected device, no expensive hardware required.


Conduct funding source verification quickly and easily for both low-risk merchant accounts and high-risk merchant accounts.

Payment Gateways

The FinZeo gateway accepts multiple forms of payments: credit & debit cards, eCheck, and ACH. Payments can be same day or pre-scheduled.

IVR Pay by Phone

Allow customers to make automated payments over the phone without ever interacting with a live person.

Let's Get Started

Create Your Free Account with FinZeo

Get Your Low or High Risk Merchant
Account Pre-Approved

Our Services

ACH Processing

We offer simple, safe, and speedy electronic ACH credits and debits directly to and from your customer's bank accounts.

No reserve needed

Late cut-off times

One-time payments


Pay bills easily

Recurring payments

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Credit/Debit Card Processing

Improve your collections by easily accepting Visa/MasterCard debit and credit card payments and mobile wallet payments in real time.

Immediate processing

Convenient payments

One-time payments

Increase cash flow

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Instant Bank Verification

Bring verified banking to every business transaction. Know instantly, using better data to make better decisions. the payment processing solutions to make account validations easier than ever.

Confirm account ownership

Transactions history within seconds

Validate that accounts

Account report within seconds

Evaluate account history

Validate account balance to avoid costly returns

Learn More

eCheck Processing

With our innovative eCheck processing, you can eliminate the high cost of processing paper checks.

No reserve needed

No junk fees or discount rates

Accept more payments

Bypass NACHA requirements

Learn More




Our advanced easy to use, APIs allow your developers to integrate the FinZeo payment gateway into your existing APIs.

Website Plugins

Website Plugins

Need a payment plugin for your website? choose from our library of plugins, or JavaScript to start accepting website payments.



Real-time, omni-channel analytics give you insight into your business activities, helping you discover which channels are the most responsible and profitable for your business.

Reporting Engine

Reporting Engine

Build your own custom reports with automated delivery and limit who can read your reports through the reporting engine.



End-to-end management of invoices, from creating and delivering to getting them paid. Invoices can be delivered via email or text, both with an embedded 'Pay Now' link.

Realtime Performance

Realtime Performance

Access actionable, interactive data that is updated in real-time, combining historical data to assist you in monitoring performance and identifying trends.

What our Current Partners Have to Say

"Enhancing our business"

"Although there are several choices, FinZeo was by far the best choice for us. Their competitive price and no reserve/no minimum rules made a significant difference for us as we launched a new portfolio. They provide excellent customer service, but most importantly, you can trust this firm."

-Don S
Fat Money

"The group strives for above and beyond"

"Our business has reached a new level because to FinZeo. We've been seeking for another bank account for a very long time. We needed an ACH processor that didn't need a reserve, could fund the same day, and didn't have any processing restrictions."

-Scott, SB
Financial Corp.

"A reliable business"

"I have so many wonderful things to say about FinZeo. They easily outperformed all other platforms. FinZeo offered individualized attention, shown an awareness of our needs, and acted as a strong supporter throughout the approval process."

Tribal Lending Enterprise

API Heaven

Built by Developers for Developers.
Powerful and Easy to Use APls

We know the only thing worse than no API is poorly written API. Our APIs are built to get you up and processing as quickly as possible. You can even test your code in the FinZeo sandbox before you go live.

Try Sandbox