Orum
Bank payment API for instant ACH, RTP, and FedNow payouts with deterministic rail routing.
Our Verdict
Best-in-class for US instant payouts with deterministic routing, but US-only scope is a real ceiling.
Pros
- Deterministic rail routing across ACH/RTP/FedNow
- Instant US bank payouts via single API
- Strong for payroll and marketplace disbursement
- Transparent rail selection logic
Cons
- US-only, no international rails
- Pricing opaque without sales contact
- Not a checkout gateway, payouts only
- Requires bank account verification flows
When to Use Orum
Good fit if you need
- Instant ACH payouts for gig economy worker earnings
- FedNow and RTP rail selection for deterministic instant payouts
- Same-day ACH disbursements for insurance claim settlements
- Automating bank payment routing logic by amount and priority
Pricing
Price wrong?Orum Pricing
- Pricing Model
- usage
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Lock-in Assessment
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