Settle 100% of your ACH Transactions Instantly
Gain access to 3 instant settlement rails via a single API: RTP, FedNow and Sila’s proprietary Instant settlement solution.
Eliminate the need for multiple API integrations or guessing which rail will eventually win. ACHNow allows you to access all the instant payment rails natively. Put our years of banking experience and developer-centric architecture at the center of your payments business today.
Why Go with Sila?
Sila’s end-to-end payments platform streamlines building and launching fintech apps and embedded payments products.
Sila’s payment solutions offer flexible technical integration, pre-approved integration partners, simplified ACH processing, and bank account linking.*
Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet.
"The Sila platform, API documentation, and ACH infrastructure are incredibly robust and cost-effective. However, the thing that really Sila apart is their team."
With industry-leading technology and deep industry expertise.
Premier ACH API
Go-to, industry-leading ACH API for fast, secure, and scalable money transfers.
Developer Friendly
Straightforward API code, dashboards, SDKs, documentation, and best-in-class financial technology.
Compliance First
Systems and processes adhere to all U.S. regulatory compliance requirements and industry best practices.
Free Sandbox Environment
Testing environment provides access to ACH Transfer, Digital Wallet, Bank Account Linking, and KYC/KYB APIs.
Fast & Secure Transfers
API endpoints orchestrate transfers among bank accounts, digital wallets, and virtual accounts in a secure and reliable environment.
Fintech Partner Ecosystem
Easily integrate apps, additional functionality, and embedded finance products with pre-approved partners.
* The bank account linking feature isn’t a Sila product; however, we do provide simplified integration with account linking providers MX and Plaid.
Ready to Grow Your Business?
Sila’s Industry-Leading Products
ACH Payment API
Fast API with simple integration for originating and accepting ACH transfers.
Virtual Accounts
Designated account and routing numbers allow for ACH direct deposit and third-party debit.
Fraud Prevention
Simplified fraud protection built into money transfer APIs.
Identity Verification
Automated user verification (KYC/KYB) to reduce risk and fraud.
Instant Settlement
Provides access to on-demand, same-day payments to digital wallets or virtual accounts.
Bank Account Linking
Trusted bank account linking from integrated providers to allow sending or receiving funds.
Standard ACH
Payment transfers between bank accounts through ACH network with standard 2-3 day processing times.
Same Day ACH
Ensures bank transfers are sent for processing on the ACH Network on the day of initiation.
Digital Wallets API
Customize application-based payment flows to enable stored value and transfers among wallets and linked accounts.
By Developers,
For Developers
Designed for developers to seamlessly build money transfer features.
Simple and straightforward integration, reducing go-to-market time and costs.