The payment
infrastructure for modern platforms
Move money with a single API. ACH transfers, card issuing, and treasury management — built for developers who ship fast.
Backed by leading investors & early adopters
One API, complete
financial infrastructure
Everything you need to move, hold, and manage money — built for developers.
ACH Payments
Send and receive ACH payments with Same-Day settlement, automated return handling, and real-time status webhooks.
Learn moreCard Issuing
Issue virtual and physical cards with real-time authorization, spending controls, and 3DS.
Learn moreTreasury & Ledger
Double-entry ledger with sub-accounts, payment approvals, and real-time reconciliation.
Learn moreSecurity & Compliance
SOC 2 Type II, PCI DSS Level 1, BSA/AML, KYC, and OFAC — all built in, not bolted on.
Go live in three steps
From sign-up to your first live transaction — no lengthy onboarding, no hidden paperwork.
Create your account
Sign up, verify your business identity, and get API keys in under 5 minutes. Sandbox access included.
Integrate the API
Use our SDKs in Node, Python, Ruby, Go, or PHP. Test everything in sandbox mode before going live.
Move money live
Flip the switch. Send ACH payments, issue cards, and manage funds — all through one unified API.
Ship in minutes,
not months
Integrate payment infrastructure with a few lines of code. Our SDKs handle the complexity so you can focus on your product.
import HiSettly from '@hisettly/sdk';
const settly = new HiSettly('sk_live_...');
// Create an ACH transfer
const transfer = await settly.ach.create({
amount: 50000,
currency: 'usd',
direction: 'credit',
account_id: 'acc_1a2b3c4d',
same_day: true,
metadata: {
invoice: 'INV-2026-001'
}
});
console.log(transfer.id); // ach_7x8y9z...
console.log(transfer.status); // pendingBuilt for every industry
From marketplaces to payroll — HiSettly powers money movement for businesses of every size.
Marketplaces
Split payments, escrow accounts, and instant seller payouts for two-sided platforms.
SaaS Platforms
Embed financial services into your product. Offer bank accounts, cards, and payments to your users.
Payroll & HR
Instant wage access, direct deposit, and expense card programs for workforce payments.
Real Estate
Rent collection, security deposits, maintenance disbursements, and property management payments.
Lending & Credit
Loan origination, disbursement, repayment collection, and credit line management via API.
Rewards & Loyalty
Issue branded cards with custom rewards, cashback, and loyalty program integrations.
Works with your
existing stack
Connect HiSettly to the tools you already use. Our pre-built integrations and webhooks make it simple.
Common questions
Most teams integrate and go live within a week. Our sandbox environment is instant — sign up and start testing in minutes. Production access requires business verification which typically takes 1-2 business days.
HiSettly serves platforms, marketplaces, SaaS companies, fintechs, and any business that needs programmatic money movement. We support sole proprietors through enterprises across all 50 U.S. states.
Platform fees range from $299–$999/month depending on your plan. On top of that, ACH transfers are $0.40–$0.75 per transaction and Same Day ACH is $1.50–$2.00. Volume discounts are available for Enterprise.
Absolutely. We are SOC 2 Type II certified, PCI DSS Level 1 compliant, and encrypt all data at rest with AES-256 and in transit with TLS 1.3. Our infrastructure runs on isolated VPCs with 24/7 monitoring.
Currently HiSettly focuses on U.S. domestic payments (ACH, Fedwire, card issuing). International wire transfers and multi-currency support are on our roadmap for 2026.
Ready to build the
future of payments?
Start moving money in minutes. Powerful APIs, world-class infrastructure, and plans starting at $299/month.