⚡ Next-Day ACH Settlement • Real-Time Bank Validation

Next-Generation Payment Infrastructure for Modern Enterprise.

Accelerate cash flows with high-speed ACH rails, eliminate fraud with real-time PayVal™ account verification, and automate NSF check recovery with zero merchant fees.

Explore Developer API
🔒 PCI-DSS Level 1
🏛️ NACHA Compliant
🛡️ SSAE 16 / SOC 2
⚡ 99.99% Edge Uptime
Live Settlement Feed
Next-Day ACH
Batch Volume (Today)
$2,845,920.40
ACH
Apex Logistics Corp
SEC: CCD • Routing: ****4821
+$48,500.00
VAL
PayVal™ Bank Verification
Chase Bank • Risk Score: 98 (Safe)
VERIFIED
NSF
Checxchange™ Recovery
Check #1094 • 100% Face Value
+$1,450.00
Comprehensive Solutions

Built for Scale, Security, and Speed

A unified platform to process payments, validate bank accounts, and recover lost revenue seamlessly.

High-Speed & High-Risk ACH

Direct-to-bank settlement with next-day clearing. Support for high-risk verticals, recurring subscriptions, and batch enterprise payroll.

  • ✔ Full SEC code support (PPD, CCD, WEB, TEL)
  • ✔ Batch disbursement & automated reconciliation
  • ✔ Zero per-card interchange penalty fees

Omnichannel Card Processing

Transparent Interchange-Plus pricing across Visa, Mastercard, Amex, and Discover. Modern POS terminals and virtual cloud terminals.

  • ✔ End-to-end tokenized customer vault
  • ✔ Chargeback defense & dispute automation
  • ✔ Integrated mobile, web & in-person POS
Proprietary Tech

PayVal™ Bank Account Validation

Instant routing number authentication and account status verification before transaction submission. Slash return rates to near-zero.

  • ✔ Real-time routing & transit verification
  • ✔ NACHA Rule 8 compliance built-in
  • ✔ AI-driven account risk & fraud scoring

Checxchange™ NSF Recovery

Automated electronic check representment for financial institutions, municipalities, and businesses. Recover 100% of face value at $0 cost to merchants.

  • ✔ 100% face-value check reimbursement
  • ✔ Zero merchant fees (state-regulated fee model)
  • ✔ Direct integration for Credit Unions & Banks

Interactive Processing & Savings Calculator

See how switching from high-fee card processors to Unity FI ACH rails impacts your bottom line.

$500,000
$250
💡 Compares standard 3.25% credit card fees vs Unity FI low-cost flat ACH rails + PayVal™ fraud prevention.
Estimated Annual Savings
$135,000 / yr
Monthly Savings $11,250
Settlement Speed Next-Day (T+1)
NSF Risk Reduction 94.8%
PayVal Verification < 300ms
Developer-First Rails

Integrate Payments in Minutes

Type-safe RESTful APIs, zero-friction SDKs, and sandbox environments ready for instant integration.

POST https://api.unityfisolutions.com/v1/ach/charges

// Example Code
          
Tailored Verticals

Specialized for Complex Payment Workflows

🏛️

Banks & Credit Unions

Automate NSF returns, offer automated check representment, and expand fee recovery without increasing overhead.

⚡

Utilities & Municipalities

Recurring resident utility billing, water/power collections, and compliant citizen payment portals.

🚗

Automotive & Dealerships

Large-ticket down payment ACH processing, floor-plan funding, and zero-risk service department checkout.

🎓

Childcare & Education

Tuition recurring ACH drafts, automated parent statements, and high-volume school fee collections.

Streamlined Underwriting

From Application to Live Rails in 48 Hours

01
Discovery
Analyze volume, vertical, & processing needs
→
02
Documentation
Submit business & banking credentials
→
03
Underwriting
Fast-track risk assessment & compliance review
→
04
Approval
Receive merchant ID & custom pricing structure
→
05
Go Live
Deploy API keys or POS terminals immediately

Ready to modernize your financial infrastructure?

Join hundreds of financial institutions and enterprises processing billions securely through Unity FI Solutions.

📞 877-395-5556