One platform. Three layers of value.
Modern payment processing. Embedded finance partners. Operations tooling that ties everything back to your general ledger.
01 - PAYMENTS
Modern payment processing, without the operational burden.
Paycile is built on Deluxe Payment Systems rails as a registered ISO of Fifth Third Bank, N.A. You collect payments through one API — ACH, card, and RTP — with multi-account routing for trust, operating, and reserve accounts. The platform is designed to reduce PCI scope, chargeback workload, and KYC/KYB compliance burden for the software platform and the merchant. The merchant of record remains the entity that signs the merchant agreement. You hold the customer relationship; we reduce what it takes to support payments at the infrastructure layer.
WHAT'S INCLUDED
- ACH, card, and RTP through one endpoint. Same-day or next-day settlement.
- Autopay, partial pay, prepay, multi-cycle billing — the customer payment surface is yours to brand.
- Multi-account routing handles trust accounts, operating accounts, and reserve accounts without manual intervention.
- Reduced compliance burden. Paycile's platform is designed to limit PCI scope, sanctions screening workload, chargeback operations, and dispute management for the software platform and the merchant. KYB (Know Your Business) and KYC (Know Your Customer) onboarding flows are handled on the platform; the merchant of record is the entity that signs the merchant agreement.
- Registered ISO of Fifth Third Bank, N.A. Processing rails handled by Deluxe Payment Systems — over $2 trillion in annual payment volume.
Payment surface example. The same engine powers customer payments across all our verticals.
Example shelf from one of our verticals. (Here we configurable per portfolio.)
02 - EMBEDDED FINANCE
Turn the payment flow into a revenue stream.
Every payment your customers make is also a moment when they need other financial products — to spread the cost over time, to insure against risk, to build credit, or to earn rewards. Paycile integrates fourteen pre-vetted finance partners into a single shelf inside your payment surface. One integration. One rev-share waterfall. Partners hold the underwriting and compliance. The revenue flows back to you.
WHAT'S AVAILABLE
- Financing. Spread a large payment over time — rent financing, premium financing, utility bills, or invoice bills. Specialty BNPL partners like Zilch and its peers, with underwriting and credit decisions handled outside your stack.
- Insurance. Embedded checkout for renters insurance, deposit alternatives, or other policy types. Partners like Lemonade. Per-policy commissions; no compliance burden on you.
- Credit building. On-time payments report to the major credit bureaus through partners like Esusu. A retention and fan-loyalty differentiator that lives inside the payment flow, not bolted on.
- Rewards. Cash back or points on customer payments. Brand-aligned card programs and rewards partners like Bilt that increase payment adoption and customer loyalty.
HOW IT WORKS MECHANICALLY
- You configure which tiles to enable per portfolio or per product line. Not every customer sees every partner.
- Four embedding patterns: hosted page (no integration), iframe, full embed, headless API. Pick the pattern that matches how your software expects the payment flow today.
- Rev-share waterfall is configured at activation. Specific splits are part of the commercial conversation — negotiated per partner, not pre-set.
- Partners hold underwriting risk, chargeback material, and the customer-of-record relationship for their product. Paycile distributes and collects rev-share back to you.
03 - OPERATIONS
Reconciliation, forecasting, and audit — wired back to your general ledger.
Payments are easy. Reconciling what was paid against what was owed, forecasting cash, generating defensible statements, and giving your controllers an audit trail they actually trust — that's where most platforms stop. Paycile's operations layer is built for the people who close the books at the end of every month.
Reconciliation
AI-driven matching of bank deposits to expected charges. Every match carries a confidence score — high confidence auto-posts, medium routes to a review queue, low routes to an exceptions inbox. The model learns from every human override, so accuracy improves the longer a portfolio uses Paycile. Posted matches trace back to source records in your general ledger.
Short-term cash forecasting
Fourteen-day forecasts on your operating and trust accounts, with P10 / P50 / P90 confidence bands tagged on your portfolio's payment history. Prescriptive recommendations ("stage holdback," "defer vendor pay") surface before shortfalls happen — not after.
Outbound disbursements
ACH and digital check disbursements with statement-grade evidence on every payment. Built on Deluxe DPN rails for $2B disbursement volume. Owner statements, vendor pays, refunds, contractor disbursements — all in one outbound flow.
Audit trail
Per-transaction provenance from the customer payment, through reconciliation, through any embedded finance attach, all the way to the disbursement. Every AI-driven decision is logged with model version, confidence score, input features, and override reason. Your auditors will recognize the format.
Compliance and retention
SOC 2 Type II in progress. Paycile's platform is PCI-aware by design and built on Deluxe Payment Systems rails, which carry the underlying processor and network certifications. Transaction records, reconciliation evidence, and audit trail logs are retained per applicable state and federal requirements; specific retention windows are governed by the vertical or attaching to each vertical and merchant agreement.
Example reconciliation flow. Some sample screen verticals; the surface adapts to your ledger.
WHERE TO NEXT
Two ways to go deeper.
See how the platform shows up in your industry, or jump straight to a demo.
See it in your industry
The same platform calibrated to how money actually moves in your business.
Or schedule a demo
Thirty minutes. We'll walk through what's live, what's coming, and answer whatever you want to ask. No commitment.
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