Payments & Verification Integrations
Full payment processing for ACH and card funding during account opening — REPAY, Stripe, Jack Henry SmartPay Vault, and NACHA ACH export — plus the identity and fraud verification ecosystem that keeps bad actors out.
Payment processing
Funding is where account opening succeeds or stalls. These integrations let applicants fund new accounts by ACH or card in the same flow.
REPAY
Full payment processing integration for ACH and card payments during account opening and funding flows: checkout form generation, one-time use payment URLs, payment capture, ACH payments, card payments, webhook event handling, and payment status tracking.
Stripe
Comprehensive Stripe integration across three fronts. Payments: payment intent creation and capture, ACH (US bank accounts), card payments, refunds, and payment holds. Subscriptions: subscription creation and management, invoice handling, setup intents, customer management. Identity: Stripe Identity with document and selfie verification.
Jack Henry SmartPay Vault
SOAP-based payment gateway for card and ACH processing: customer registration, account and card tokenization, ACH transactions, card payments, and transaction lookup. Supports ACH (checking, savings), Visa, MasterCard, Discover, and American Express.
NACHA ACH File Export
ACH settlement file generation for batch payment processing: WEB debit transactions, PPD credit transactions, batch formatting, routing number management, and account type handling for checking and savings.
Identity & fraud verification ecosystem
Payments only clear when identity does. Cotribute's verification integrations — the vendor layer behind FraudGuard+ and its 70+ configurable fraud and risk decisioning rules — include Socure, Plaid, ChexSystems, Experian, and LexisNexis, alongside Stripe Identity document and selfie verification.
One decision engine orchestrates them all — see Fraud & Decisioning for how verification signals become instant decisions.
Data export & downstream integration
A flexible export adapter connects systems that don't have real-time APIs — structured flat files (CSV, delimited) or JSON documents, delivered via S3, SFTP relay, or Kinesis stream. 55+ flat file export configurations run in production, feeding systems like CUSA, Loan Director, Cleartouch, Salesforce, HubSpot, Trellance, and Verafin (BSA/AML compliance).
Fund accounts and verify identities in one flow
See funding and verification live in the demos, or map your payment and KYC stack with our team.