Financial Crimes & Fraud Risk
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Financial Crimes & Fraud Risk
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Payments

meet people where they transact with embedded payments

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provide secure, compliant infrastructure

Empower businesses, fintechs, and organizations to efficiently move money within the apps and platforms their customers use daily.

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support every business size

Meet a wide variety of payment needs – from solopreneurs to SMBs to large corporates.

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gain a source of low-cost deposits

Prevent lucrative commercial clients from leaving for big tech banks.

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integrate payment options seamlessly

Utilize robust APIs and interfaces that deliver easy collaboration for innovative payment offerings.

simplify payments for businesses of all sizes

supported payment options

 

  • Enables your business accountholders to send and settle payments in near real-time, over the FedNow and RTP instant payment rails, leveraging Jack Henry’s faster payments hub, JHA PayCenter™.

  • Gives businesses access to secure, cost-effective card gateway services with ready-built connections to the leading card processors. Card transactions are available via mobile tap to pay, desktop (virtual terminal), or API. Small and micro businesses can access Tap2Local through their digital banking app via their Android or iOS devices.

  • Diverse businesses, merchants, and non-profits can accept and make payments that move money directly between bank accounts with Jack Henry’s end-to-end ACH and same-day ACH solution, which automates the processing of all originated and incoming transactions.

  • With mobile remote deposit capture (mRDC), businesses can conveniently and securely deposit checks anytime, anywhere using camera-enabled smartphones and tablets with functionality developed exclusively to support the commercial deposit process. Mobile deposits are ideal for businesses with in-the-field representatives who receive checks.

  • Jack Henry Payments Orchestrator is the simplest way for FIs to modernize payment offerings. Directly integrated with Jack Henry’s SilverLake System®, it provides a single point of entry for embedding payments into the apps and workflows of corporate clients and technology companies to offer ACH, instant payments (via the RTP and FedNow networks), wires, and virtual accounts.

  • Inbound and outbound domestic wire capabilities can be embedded directly into your platform through Jack Henry Payments Orchestrator, with direct-to-core processing through your SilverLake bank partner.

    Jack Henry Wires™ is integrated with Banno Business™ for credit unions so that wires initiated by end users in Banno Business will automatically show up for processing in Jack Henry Wires. We are working on building a similar functionality for SilverLake banks next. Other digital banking providers can integrate using our open APIs.

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embedded payments growth

$7T

The transaction value of embedded finance in the U.S. is projected to reach $7 trillion by 2026, accounting for 10% of all U.S. financial transactions.

43%+

Momentum for payments is robust, accounting for 43.7% of embedded finance in 2025.

61%+

Consumer payments account for 61.52% of all embedded finance transactions in the U.S. in 2025.

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Get Started

Learn how Jack Henry can help you build a robust future-ready payments strategy.