Fintechs

Payments infrastructure built for fintech growth

For more than 50 years, SHAZAM has powered modern financial services, starting with the nation’s first shared EFT network. Today, we provide the payments infrastructure behind fintech and embedded finance, helping you launch, scale and move money faster through real-time payments, reliable connectivity, end-to-end debit programs and resilient banking technology.

Our modular solutions integrate seamlessly with your existing systems, so you can activate the capabilities you need today and expand as you grow. Whether launching a new product or scaling an existing one, SHAZAM delivers the infrastructure and expertise to move money securely, instantly and reliably — without added complexity.

Power your platform with our modern payments stack

SHAZAM brings gateway, debit issuing and processing, and a nationwide debit network together under one partnership — so you can launch faster, integrate less and scale with confidence. Built for developers and proven over decades, our API-first infrastructure reduces vendor sprawl, optimizes routing costs and delivers reliable performance with real, U.S.-based support.

Peregrine™ gateway

Move money through a single connection

Built for an always-on economy, the Peregrine™ gateway provides a single, secure connection to the debit networks you rely on — simplifying integration while accelerating transaction flow. The platform has two key components to support multiple use cases: an ATM gateway that routes transactions across more than 10 major networks, including Visa® and Mastercard®, and a funds transfer gateway that enables debit transactions and bill payments.

Access ATMs without building your own infrastructure

The Peregrine™ ATM gateway connects you to millions of cards and accounts through every major ATM network, providing access to cash, account services and real-time transaction capabilities through a highly available, scalable platform.

Move money instantly through a single connection

The Peregrine™ funds transfer gateway accesses the major debit networks through one integration, providing instant reach to nearly every U.S. debit card. Working with a sponsor financial institution, you can power instant payouts, account funding, wallet loads, bill payments and refunds — all while simplifying connectivity and accelerating time to market.

SHAZAM payments network

Take control of routing & optimize network economics

The SHAZAM payments network gives fintechs access to a nationwide debit network that complements major global brands while supporting Durbin-compliant routing. 

With proven uptime, strong acceptance and decades of payments expertise, SHAZAM helps you refine routing strategies without compromising reach or performance — reducing costs, improving flexibility and increasing reliability across in-store, online and in-app transactions.

Peregrine™ debit card solutions

Launch & scale a card program — simply

Our debit program capabilities, powered by Peregrine™ processing solutions, bring card issuing, transaction processing, fraud protection and network connectivity together in one platform.

Issue branded debit cards, enable digital wallets and manage spending controls — without juggling multiple vendors or integrations. Whether you’re building a digital banking experience, adding a companion card to an existing app, powering a rewards program or developing an expense management solution, Peregrine™ delivers the flexibility to create the right card experience for your business and your customers.

DigiHive™ digital banking

Launch digital banking with a modern front end

DigiHive™ digital banking gives fintechs a polished, user-friendly experience without building a front end from scratch. Our unified online and mobile platform layers over nearly any core, delivering real-time account visibility, secure money movement and personalized user controls.

Use DigiHive™ as a white-label interface for neobanks, embedded banking products or as a companion app — accelerating time to market while maintaining a seamless, modern experience. Backed by SHAZAM expertise and support, it reduces development overhead and lets you focus on differentiation instead of rebuilding standard banking features.

KinetiCore™ banking solutions

Build & scale financial products backed by experience

Fintech teams shouldn’t have to piece together a dozen systems to launch. KinetiCore™ banking solutions brings accounts, payments, cards and lending onto a single platform — reducing middleware, integrations and time to market.

With open APIs and flexible connectivity, you can build differentiated experiences on top of proven banking infrastructure. From account management and loan origination to card issuing, virtual cards and money movement, KinetiCore™ delivers the capabilities you need to grow and scale.

Instant payments: a high‑velocity growth channel for fintechs

The instant‑payments market is accelerating fast, creating a massive opportunity for fintechs to differentiate with real‑time money movement. Partnering with SHAZAM gives you a direct path into this growth curve, with real‑time infrastructure, intelligent routing and deep debit‑network connectivity already in place.

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share of U.S. accounts reachable via real‑time rails by late 2025 — delivering near-universal access to instant payments
(The Clearing House, 2025)
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share of U.S. ACH volume that shifted to faster‑payment options in 2025 — signaling rapidly changing consumer preferences
(Nacha, 2026)
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of consumers prefer brands that offer instant refunds or payouts — making real‑time disbursement a clear competitive advantage
(PYMNTS Intelligence, 2026)
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projected value of U.S. real-time payments in 2026, fueled by gig‑worker payouts, digital wallets and instant account funding
(PYMNTS/TCH, 2026)

Where fintech innovation meets trusted partnership

“We believe in building products people love and trust to help them meet their financial goals. As more and more people adopt digital financial services, it's critical that our partners are able to scale, move quickly and be flexible. This is why we decided to partner with SHAZAM. Their commitment to our program has been exemplary.”

Mark Barberan, COO
Qapital — New York, NY

Building the future of fintech payments

The payments landscape continues to evolve — and fintech platforms need payments partners that evolve with it.

With decades of expertise and modern API-driven technology, SHAZAM delivers secure real-time payments infrastructure, flexible network connectivity and reliable payments processing.

Fintech innovators trust SHAZAM because we combine modern technology with decades of payments expertise. From the Peregrine™ payments gateway to scalable transaction routing, we’re building the infrastructure behind modern fintech innovation.

Ready to explore what SHAZAM can do for your fintech platform?