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Payments and banking API for fintech: ACH, wallets, instant rails
Updated
Sila is a payments platform API for fintech companies and developers, described by the company as the Money API for Fintech. It provides ACH origination and acceptance, virtual accounts, a digital wallet API, instant settlement over RTP, FedNow and proprietary rails, and built-in KYC and KYB automation.
Sila is used by fintech companies, marketplaces and software platforms that need to move money without building bank integrations from scratch. Developers use its API and SDKs to add payments, wallets and account linking, while compliance teams rely on its identity verification and fraud prevention tools.
Sila references a pricing page on its website but does not display specific rates on its landing page. Fees are not confirmed here, so fintech teams should review sila pricing details or contact the vendor to get current costs for ACH, instant payments and account features.
Alternatives to Sila include Stripe, Dwolla and Modern Treasury. Compare supported payment rails, settlement speed, KYC coverage, sponsor bank relationships, developer experience and fees at your volume.
Pricing Model
QUOTE BASED
Starting Price
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API Types
SDK Availability
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
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