The Financial Platform Enterprises Trust.
pehtwand powers payments, card programs, and commercial finance for fintechs, banks, and enterprise brands — all through one unified API.
Financial infrastructure for every layer of your stack
pehtwand delivers regulated, API-first financial products that let fintechs, enterprises, and platforms ship faster without compromising compliance or scale.
Payments & Cards
Issue branded debit, prepaid, and virtual cards at scale with real-time controls, spend limits, and instant provisioning. Power seamless checkout experiences for your customers anywhere in the world.
Learn MoreBanking as a Service
Embed FDIC-insured deposit accounts, ACH transfers, and consumer or business lending directly into your product with a single API integration. Launch a fully regulated banking experience without the overhead of a bank charter.
Learn MoreCommercial Finance
Access flexible asset-based lending and working capital solutions purpose-built for mid-market businesses with complex financing needs. Unlock liquidity tied up in receivables, inventory, and equipment without disrupting operations.
Learn MoreFrom Integration to Scale
in Three Decisive Steps
pehtwand removes the complexity of building banking infrastructure so you can focus on what matters — your product and your customers.
Connect via API
Integrate in days, not months. Our fully documented REST endpoints, SDKs, and sandbox environment let your engineering team move fast with confidence.
Configure Your Program
Set card controls, account rules, and compliance parameters directly from the pehtwand dashboard. No engineering required for most configurations.
Launch & Scale
Go live with FDIC-backed infrastructure, enterprise-grade uptime, and 24/7 dedicated support. Scale from hundreds to millions of accounts without friction.
Ready to start your integration?
Most teams complete their first API call within 30 minutes.
Ecosystem
Trusted by Category Leaders
From challenger banks to institutional lenders, the most ambitious financial brands run on pehtwand infrastructure.
"We evaluated seven infrastructure providers before choosing pehtwand. Nothing else came close on uptime — we've maintained 99.998{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} availability across all API endpoints over 18 months. But what genuinely surprised us was the documentation quality. Every edge case is covered, the changelog is meticulous, and the developer experience has meaningfully accelerated our time-to-market on every new product line."
Selin Reyiz
Head of Product · Lyra Bank Top-10 Global Neobank
Infrastructure That Does More by Default
pehtwand ships the hard parts pre-built — ledgering, compliance, and card controls — so your engineers spend time on your product, not the plumbing.
Transaction Visibility at the Speed of Business
Every debit, credit, and reversal is posted and reflected in sub-second. Your platform and your customers never stare at pending balances again — every event streams live, giving operations teams and end users the ground truth at all times.
- Sub-second posting with event-driven architecture
- Immutable audit trail with nanosecond timestamps
- Real-time webhooks and streaming API for downstream systems
Built-In KYC, KYB, AML & Reg E — Out of the Box
Compliance shouldn't be a bottleneck. pehtwand embeds identity verification, adverse media screening, transaction monitoring, and dispute workflows directly into the platform — so your team ships compliant products without building a compliance stack from scratch.
- Automated KYC/KYB with configurable risk scoring
- Continuous AML monitoring with SAR-ready case management
- Reg E dispute lifecycle management with SLA tracking
Programmable Cards That Follow Your Rules
Define spend limits, lock merchant categories, and build dynamic authorization logic — all through a single API call. Whether you're issuing consumer cards, corporate cards, or virtual cards for disbursements, every rule is enforced in real time at the point of transaction.
- Granular spend limits by time, category, or merchant
- Dynamic authorization rules via low-latency decisioning API
- Instant card issuance, suspension, and velocity controls
Ready to see the full platform in action?
Book a live demo with a pehtwand solutions engineer — no slides, just your real use case.
Transparent Pricing for Every Stage
pehtwand offers tiered plans designed to scale alongside your business — from early-stage startups launching their first financial product to global enterprises running complex, multi-jurisdiction infrastructure. Every plan comes with clear, upfront costs and zero surprise charges, so you can plan confidently and grow without friction.
No commitment required. Our team typically responds within one business day.
Banking Infrastructure Built for What's Next. Powering the financial products of tomorrow, today.
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Solutions
pehtwand is not a bank. Banking services are provided by partner FDIC-insured institutions. All product names, logos, and brands are property of their respective owners.