How to Run Embedded Payments at Scale: ACH Rails, Payouts and Operations
A platform that adds payments can be live in weeks. What follows after high-volume transactions are returns and compliance reviews alongside payout deadlines that strike regardless of the staff’s efficiency. Embedded payments are payments that live natively inside a software platform, invisible to the end user but fully operational underneath, and the infrastructure underneath them has to handle exceptions and returns the same way whether a platform is processing a hundred transactions or a hundred thousand. Dwolla by NMI has worked in this layer for more than 16 years, building account-to-account payment infrastructure for platforms where a missed transaction means a borrower goes unfunded or a home closing stalls. One real estate platform on that infrastructure has processed more than $700 million in earnest money without a fraud incident.
Dave Glaser, CEO, Dwolla by NMI says, "Every conversation about payment speed eventually becomes a conversation about what happens when a...
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