Powerful financial APIs for tech innovators

Seamless, scalable infrastructure for managing funds store, transfer, and reconcile money with ease.

await payments.transfer.create({
amount: 25075,
currency: "USD",
from_account: {
  id: "acct_ops_112233445",
  bank: "Backspin",
  type: "Business Checking",
},
to_account: {
  id: "acct_ext_556677889",
  bank: "External",
  type: "Savings",
},
initiated_at: "2025-03-14T14:32:00Z",
status: "Pending",
});

Banking without barriers

Instantly open accounts, connect directly to payment networks, and build with flexible, future-ready tools, no outdated systems holding you back.

ACH: Initiate ACH transactions, process both credits and debits, verify accounts in advance, and store frequently used details.
Bank accounts: Create flexible account structures with unlimited unique account numbers.
Cards: Generate custom cards for users, control authorizations in real-time, and set personalized limits.
Checks: Send customized checks globally via API or deposit them digitally using the dashboard.
Wires: Execute instant wire transfers anytime during Fedwire’s operating hours.
Real-time payments: Move funds to major banks within seconds instead of days.
FedNow: A new Federal Reserve payment system enabling round-the-clock money transfers between participating banks.
Payment scheduling: Automate and schedule payments in advance to streamline financial operations.

Unfiltered, direct access to the Federal Reserve

Financial networks like Visa and FedACH have been refined over decades, but many tech companies add layers of abstraction that limit flexibility.

We do the opposite, giving you direct, unfiltered access to the Federal Reserve, Visa, and other networks. This means greater stability, fewer restrictions, and complete control over how you build.

Full data transparency
Reduced dependencies
Reliable infrastructure
Faster development cycles

FedACHPayroll credit$25,075.00
FedACHVendor debit$3,410.20
FedACHRefund credit$89.99
FedACHRent debit$2,150.00

FedACHPayroll credit$25,075.00
FedACHVendor debit$3,410.20
FedACHRefund credit$89.99
FedACHRent debit$2,150.00

FedwireTreasury wire$1,200,000.00
FedwireEscrow wire$415,000.00
FedwireSupplier wire$68,300.00

FedwireTreasury wire$1,200,000.00
FedwireEscrow wire$415,000.00
FedwireSupplier wire$68,300.00

FedNowInstant payout$480.00
FedNowClaim payout$1,920.50
FedNowWallet top up$250.00
FedNowGig payout$134.75

FedNowInstant payout$480.00
FedNowClaim payout$1,920.50
FedNowWallet top up$250.00
FedNowGig payout$134.75

Direct to the Fed

Transfer funds with reliability

Automate ACH, wire transfers, real-time payments, and even physical checks.

ACH: Initiate ACH transactions, process both credits and debits, verify accounts in advance, and store frequently used details.
Bank accounts: Create flexible account structures with unlimited unique account numbers.
Cards: Generate custom cards for users, control authorizations in real-time, and set personalized limits.
Checks: Send customized checks globally via API or deposit them digitally using the dashboard.

Halbrisk

Halbrisk runs payroll for hourly teams on Backspin's ACH and instant payment APIs.

Learn more

await payments.transfer.create({
    amount: 25075,
    currency: "USD",
    from_account: {
      id: "acct_ops_112233445",
      bank: "Backspin",
      type: "Business Checking",
    },
    
    to_account: {
      id: "acct_ext_556677889",
      bank: "External",
      type: "Savings",
    },
    
    initiated_at: "2025-03-14T14:32:00Z",
    status: "Pending",
    });

Move money in a few lines of code

One REST API to send ACH, open accounts, issue cards and deposit checks, with sandbox keys from day one.

const transfer = await nodo.ach.create({
  account_id: "acct_8f2k19",
  counterparty_id: "cp_51hx02",
  amount: 125000,
  currency: "USD",
  direction: "credit",
  settlement: "same_day",
});

Send ACH credits and debits with one call.

Verify the account before the first debit.
Choose same-day or next-day settlement.
Get a webhook when the transfer settles or returns.

const account = await nodo.accounts.create({
  name: "Operating account",
  type: "checking",
  entity_id: "ent_3k7q90",
  currency: "USD",
});

Open accounts for your users in a single request.

Accounts are available to use immediately.
Funds are held at FDIC insured partner banks.
Open as many checking or savings accounts as you need.

const number = await nodo.accountNumbers.create({
  account_id: "acct_8f2k19",
  name: "Invoice 2041",
  inbound_ach: "allowed",
  inbound_wires: "allowed",
});

Give every customer or invoice its own account number.

Account numbers are separate from the account.
Create as many numbers per account as you need.
Disable a number without closing the account.

const card = await nodo.cards.create({
  account_id: "acct_8f2k19",
  type: "virtual",
  cardholder: "Lucia Romero",
  spending_limit: { amount: 500000, interval: "monthly" },
});

Cards can be used immediately upon creation.

Virtual and physical cards are available.
Set spending limits for better control.
Freeze or unfreeze a card at any time.

const deposit = await nodo.checkDeposits.create({
  account_id: "acct_8f2k19",
  amount: 25000,
  front_image: "file_9d2m41",
  back_image: "file_9d2m42",
});

Deposit checks from a photo of the front and back.

Deposits are reviewed and processed the same day.
Make sure the check is endorsed before depositing.
Funds may take 1 to 2 business days to become available.

Take control of your customer relationships

You understand your customers better than any platform ever could. Instead of a generic approach, we collaborate with you to build a compliance program that fits your business.

Bring your own KYC vendor or use ours, set the rules for when a customer needs a second look, and keep every decision ready for your next bank audit.

Explore compliance

Manage risk profiles: Decide which risk profiles align with your business.
Custom onboarding: Set identity requirements that match your customers' needs.
In-house monitoring: Oversee transactions with your own system.
Streamlined tools: Optimize workflows to make compliance reporting effortless.
Sanctions screening: Check every customer and counterparty against OFAC and global watchlists.
Case management: Review alerts, add notes and close cases with a full decision history.
Audit trail: Every change to a customer, account or rule is logged with who and when.
Bank partner reports: Export the oversight reports your sponsor bank asks for each quarter.

Complete Insights

Access detailed transaction data directly from the Check21 system for full transparency.

Backspin

Others

Deposit Information

Receive deposit timestamps and check images from the recipient bank for full transparency.

Fraud Detection

Advanced AI-powered fraud monitoring helps prevent unauthorized transactions.

Instant Transfers

Send and receive money instantly with no hidden fees or delays.

24/7 Customer Support

Get help anytime with our dedicated support team, available around the clock.

"Same-day ACH on Backspin changed how our customers pay their crews. Hourly workers now get paid the evening their shift ends, not a week later."

Halbrisk

Halbrisk runs payroll for hourly teams on Backspin's ACH and instant payment APIs.

Read case study

Fees

Pay per transaction, with no monthly minimums. Here are the most common fees; the full list covers every network and request.

See all fees

ACH Processing

Same-day ACH transfers
$1.50
/ transaction
Next-day ACH transfers
$0.40
/ transaction
ACH return processing
$4.00
/ transaction

Wire Processing

Wire transfer initiation
$12.00
/ transaction
Wire drawdown request
$12.00
/ transaction
International wire transfers
$15.00
/ transaction

Check Issuing

Check printing & mailing
$2.50
/ check
Bulk check issuing
$2.00
/ check
Certified check processing
$10.00
/ check

Powerful financial APIs for tech innovators

Business account

Emma Martinez

Description

Company name

Banking without barriers

ACH

Bank accounts

Cards

Checks

Wires

Real-time payments

FedNow

Payment scheduling

Unfiltered, direct access to the Federal Reserve

Transfer funds with reliability

Halbrisk

Move money in a few lines of code

Take control of your customer relationships

Complete Insights

Deposit Information

Fraud Detection

Instant Transfers

24/7 Customer Support

Fees

ACH Processing

Wire Processing

Check Issuing