Finzly is the leading modern operating system for banks, serving as a future-proof innovation core. Finzly’s unified, battle-tested, AI-powered, ISO 20022-native, cloud-based platform, BankOS, provides centralized payment and account processing for the movement of traditional and tokenized assets across ACH, FedNow, RTP, Fedwire, SWIFT, and multiple blockchain networks, leveraging award-winning end-to-end payment processing and advanced virtual accounts. Finzly also offers sophisticated FX trading, trade finance, and interest rate swaps without legacy constraints, while enabling embedded banking, open finance, and global banking capabilities. By combining flexibility, regulatory alignment, and speed to value, Finzly allows financial institutions to modernize, scale, and compete in the modern connected, real-time and embedded economy, with a tested, low-risk path that enables banks to exit legacy systems.
EPCOR
EPCOR is a not-for-profit payments association providing payments expertise through education, advice and member representation. EPCOR assists banks, credit unions, thrifts and affiliated organizations in maintaining compliance, reducing risk and enhancing the overall operational efficiency of the payment systems. Through our affiliation with industry partners and other associations, EPCOR fosters and promotes improvement of the payments systems which are in the best interest of our members.
ePayResources
ePayResources® is the payments association that powers progress: trusted experts in rules and regulations, building collaborative relationships that cultivate a secure payments ecosystem. We’ve been empowering financial institutions and businesses for over 50 years by providing emerging and legacy payments expertise, professional development, and industry leadership through education, publications, compliance support, risk management, and advocacy. Our staff of nationally accredited payments and risk professionals provides situational analysis and response guidance on our Payments Answerline™ and keeps members informed of industry developments that impact operational processing, fraud detection, and your bottom line. Our ATMIA division represents the global ATM industry, and our ePayAdvisors subsidiary provides payments audits, risk assessments, and customized consulting. The combined organization represents more than 1,600 member institutions in 50 U.S. states and 65 countries, reinforcing its position as a unified voice across the payments and self-service ecosystem. Visit epayresources.org and follow us on LinkedIn, Facebook, Instagram, and YouTube. Our podcast, The Payments Space, can be found on Apple Podcasts, Spotify, and YouTube.
dhango
dhango is the payments infrastructure platform built for SaaS companies operating as Third Party Senders. Our platform handles funds movement via NACHA and includes built-in tools to support your risk and compliance program — so your team can focus on managing your TPS obligations rather than building the underlying infrastructure. Integrate once with our API and offer your merchants ACH, Customer Initiated Entries, credit card, and paper check processing across multiple processors, under your own brand. No vendor lock-in. No re-enrollment when you switch processors. Full ownership of your payment data.
Checkbook
Checkbook is an API-driven payments infrastructure platform that enables businesses to send and receive funds across multiple rails through a single, unified integration. Supporting ACH (standard and same-day), RTP, FedNow, Push-toCcard, Physical and Digital Checks, Wires, PayPal, and Venmo, Checkbook empowers organizations to move money faster, smarter, and with greater flexibility. Built on an API-first architecture, Checkbook allows companies to embed payments directly into their products, financial systems, and operational workflows. Through a secure API and intuitive dashboard, businesses can initiate credits and debits, automate disbursements, manage receivables, and orchestrate fund flows without maintaining multiple bank integrations or vendor relationships. This streamlined approach reduces engineering complexity, accelerates implementation timelines, and scales with growing transaction volume. Checkbook’s multi-rail strategy enables businesses to optimize payment delivery based on speed, cost, and recipient preference. ACH provides cost-efficient large-scale payouts and collections, while RTP and FedNow enable real-time settlement for time-sensitive disbursements. Push-to-Card and digital wallet options expand reach, and paper checks ensure accessibility for recipients who prefer traditional methods. By consolidating these capabilities within one platform, Checkbook simplifies payment decisioning and operational oversight. The platform supports a broad range of use cases including marketplace payouts, insurance claims, lending distributions, contractor and gig payments, vendor payables, rebates, refunds, and embedded fintech experiences. A key differentiator is recipient flexibility—payees are not required to create an account or pre-register to receive funds. This reduces friction, improves completion rates, and enhances the overall payment experience. Checkbook also offers enhanced wallet capabilities that allow businesses to prefund accounts, manage sub-ledgers, and control outbound disbursements with precision. These tools provide structured fund management, real-time visibility into transaction activity, and simplified reconciliation for finance and operations teams. Security, compliance, and reliability are foundational to the platform. Checkbook works closely with sponsor banks and operates within established regulatory and network frameworks to ensure responsible money movement across all supported rails. Built-in monitoring, configurable approval workflows, and identity verification tools help organizations manage risk while maintaining speed and flexibility. By unifying traditional and emerging payment rails within a single API-driven platform, Checkbook enables organizations to modernize their payment infrastructure without increasing complexity. Whether optimizing ACH operations, enabling instant payments through RTP and FedNow, or delivering flexible multi-rail payout options, Checkbook provides scalable infrastructure designed for today’s evolving payments ecosystem.
Certos by Early Warning
Certos delivers network-scale solutions for financial institutions, helping stop financial fraud, distinguish real people from synthetic or stolen identities at account opening, and increase consumer access to financial products and services. Backed by Early Warning Services, Certos delivers proven solutions that enable financial inclusion and focus on proactive fraud prevention.
Catalyst
With innovative payments, asset management, and liquidity solutions, Catalyst is unlocking new possibilities for credit unions across the nation and the members they serve. We are passionate about transforming goals into achievements and helping credit unions grow. Discover why thousands of credit unions are using Catalyst’s solutions today: catalystcorp.org.
Bottomline
Bottomline helps businesses transform the way they pay and get paid. A global leader in business payments and cash management, Bottomline’s secure, comprehensive solutions modernize payments for businesses and financial institutions globally. With over 35 years of experience, moving more than $16 trillion in payments annually, Bottomline is committed to driving impactful results for customers by reimagining business payments and delivering solutions that add to the bottom line. Bottomline is a portfolio company of Thoma Bravo, one of the largest software private equity firms in the world, with more than $181 billion in assets under management. For more information visit www.bottomline.com.
Backbase
Backbase is on a mission to put bankers back in the driver’s seat — fully equipped to lead the AI revolution and unlock remarkable growth and efficiency. At the heart of this mission is the world’s first AI-powered Banking Platform, unifying all servicing and sales journeys into an integrated suite. With Backbase, banks modernize their operations across every line of business — from Retail and SME to Commercial, Private Banking, and Wealth Management. Recognized as a category leader by Forrester, Gartner, Celent, and IDC, Backbase powers the digital and AI transformations of over 150 financial institutions worldwide. Founded in 2003 in Amsterdam, Backbase is a global private fintech company with US headquarters in Atlanta and Singapore, and offices across London, Sydney, Toronto, Dubai, Kraków, Cardiff, Hyderabad, and Mexico City.
Aptys Solutions
Aptys Solutions empowers financial institutions to thrive in the digital age with secure, innovative, and cloud-based payment solutions. Trusted by over 5,500 institutions, we are a leader in facilitating all payments, including real-time payments like the FedNow® Service, simplifying operations, and driving growth.