Payments
Earn 5× the revenue per customer — by launching the payments your customers, workforce, and suppliers actually want.
How it works
Theorem gives you the rails — ACH, wire, RTP, FedNow, card, cross-border — behind one API. You assemble them into the products your customers, workers, and suppliers want to use.
Charge a per-transaction fee, a flat subscription, or capture the spread. Every transaction reconciles to your ledger automatically.
Value
Three pillars
Move money with confidence.
One platform for every payment type — fast, reliable, and fully reconciled.
Multi-Rail Orchestration
Theorem automatically selects the optimal payment rail for each transaction based on speed, cost, and destination. ACH, wire, RTP, FedNow, and SWIFT are unified behind a single API.
Instant Settlement
Real-time payment confirmation and settlement tracking across all rails. Funds availability is communicated instantly to both sender and recipient with full transaction detail.
Payment Reconciliation
Every payment is automatically reconciled against invoices, purchase orders, and GL entries. Discrepancies surface in real time with suggested resolutions and full audit trails.
Agents in action
Payments as infrastructure.
Agents that handle the full payment lifecycle — from rail selection to reconciliation — with complete auditability.
Agents coordinate every payment
A single payment event triggers rail routing, compliance screening, and settlement agents that work in parallel and resolve autonomously.
Smarter payments over time
Every transaction, correction, and reconciliation feeds back into the model. Your payment operations get faster and cheaper with every batch.
Encode payment patterns and vendor preferences into structured training data.
Optimize rail selection for your corridors based on historical cost, speed, and success rates.
Execute payments with full compliance screening, audit trails, and human-in-the-loop controls.
Faster settlement and lower costs with each batch as models learn your payment patterns.
Unify your payments.
See how Theorem simplifies payment operations across every rail and corridor.