Finicity is part of the Mastercard family. Our open banking platform provides the financial data you need.

payment routing OPtimizer

Open banking.
Routing optimization.

Optimize payment success, reduce cost and increase settlement speed through machine learning analytics which recommends payment scheduling and routing methods.

What data is delivered?

ACH routing icon

Routing method across Same-day or Next-day ACH

Payment scheduling icon

Recommended processing date for payment scheduling

Payment success icon

Payment success indicator scoring

Key benefits

We provide maximum connection reliability and high-quality data with always-on, always-there support capabilities.

  1. Optimize your payment processing: our Payment Routing Optimizer leverages the power of artificial intelligence and multi-rail payments to optimize your payment processing for reduced settlement risk, cost and speed.
  2. Streamline your customers’ payment experience: Reduce the risk of missed recurring payments and service disruption so your customers have the peace of mind they need.
  3. It’s a one-stop shop for data. Combine elements of the smart payment decisioning suite with Mastercard’s other open banking solutions.
Consumer interacting with mobile device - key benefits of payment routing optimization

Now imagine what you can do

It’s not just about the best data and insights. It’s about having a platform to innovate, transform and create. 

Payment enablement

Account funding

Payment insights and decisioning

Mortgage API - borrower income, assets, and employment verification

Payment & ACH routing API

Smart payment decisioning tools and ACH routing API

Check out our payment routing API for increased payment success. Get started and test our APIs or view our documentation at Mastercard Developers.

More Resources

Six fundamentals to get started with ACH

Get started with our data today

Balance insights for money movements

Certain open banking solutions are provided by Finicity, a Mastercard company.