Tender is a payments service for businesses that want a NACHA file that balances, a wire that arrives by 17:00, and a settlement ledger an auditor can read. Webster Bank N.A. provides the rail; we provide the discipline.
ACH, wire, and card — settled to one DDA, reconciled to one ledger, exported in one CSV.
Each ACH item, wire, and card capture is recorded against your DDA with originator, return code, and OFAC trail. Reconciliation file generated nightly.
Screened in line. Tokenised at first touch. Audited annually.
Idempotent endpoints, signed webhooks, full sandbox. Time-to-first-payment: 14 minutes.
Same-day ACH credit and debit, batched or per-payment, with full NACHA file support.
Domestic and cross-border wires, originated from your operating account, settled by 17:00 ET.
Visa, MC, Amex, Discover. Interchange-plus pricing, no monthly minimum, settled to your DDA.
Both move money. One reconciles itself.
"We migrated 1.4M monthly ACH items to Tender. The cost dropped 38%, and the reconciliation file actually balances."
No tier games. No "premium support" upsell. Volume discounts above 250k items posted publicly.
Pay-as-you-go ACH and wires. For sole proprietors and small studios.
For operating businesses doing 1-50k items per month. Adds card acquiring and the full API.
Multi-entity, dedicated NACHA originator ID, audit-grade reporting.
No. Tender is a payments service. Originating depository services are provided by our partner bank, Webster Bank N.A. (Member FDIC). Operating funds in transit are held in pooled FBO accounts.
Sandbox key in 60 seconds. Production access after KYC and a 30-minute call with the integrations team.