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Scale Your Payments
Not Your Risk

The only payment infrastructure that keeps 100% of ACH and EFT return liability off your platform’s balance sheet.

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Built on Trusted Infrastructure

For B2B Marketplaces

One API. Global Payments.

Start with North America. Scale globally. Our unified infrastructure handles ACH and EFT today—built on rails designed for fast, frictionless cross-border money movement tomorrow.

One Integration Expanded Reach
Developer-First Experience
Built to Scale

For Platforms

The 60-Day Shield

When a $15,000 payment returns after you’ve paid out, who absorbs the loss? With Thryve, it’s never you. Our processor-level indemnity keeps 100% of return liability off your books—through the full 60-day window.

No Loss Liability
Protection From NACHA Reg E
Good Funds Verification

Payment Processing Shouldn’t Be Your Biggest Liability

Every ACH transaction you process carries a hidden cost: 60 days of contingent liability sitting on your balance sheet. Traditional processors hand you the API, then hand you the risk. We engineered a different approach.

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Integration to Settlement in Days

Our unified API handles the complexity of cross-border bank transfers so your team can focus on building your platform—not maintaining payment infrastructure. One integration. Zero liability code.

01
One Integration

Single API for US ACH and Canadian EFT. Your engineering team ships once. Your finance team stops worrying about payment exposure.

02
No Liability

Processor-level liability shift—not a promise buried in terms. Returns, disputes, the full 60-day window: our exposure, not yours.

03
Grow Without Risk

Double your GMV without doubling your contingent liability. Scale from $1M to $100M monthly volume. Your balance sheet stays clean.

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Developer Experience Meets Financial Control

Comprehensive API documentation, realistic sandbox, and webhook-driven architecture—plus settlement tracking, liability timelines, and export-ready reporting. No one gets the watered-down version.

Key Features

Purpose-built for platforms processing high-ticket transactions. Every feature designed to protect your balance sheet while accelerating your growth.

Unified Payments API

Single API for US ACH and Canadian EFT. No country-specific code paths or separate processor relationships to manage.

Ship In Days

Developer-first documentation, realistic sandbox environment, and dedicated solutions engineers to accelerate your go-live.

Works with Your Stack

Works alongside your existing payment stack. Use Thryve for bank transfers while maintaining your card processor of choice.

No Liability Reserves

Process $50,000+ individual transactions without automatic freezes. Infrastructure built for high-ticket marketplaces from day one.

Built In Compliance

Bank-grade encryption, SOC 2 compliance, and integrated KYC/KYB verification baked into every transaction flow.

Simple Merchant Onboarding

Pre-built merchant onboarding SDK with document collection, identity verification, and automated boarding to our processor network.

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The Backbone of B2B Payments

Direct processor relationships in the US and Canada give us what aggregators don’t have: the contractual authority to shift liability at the infrastructure level. We don’t just process your payments—we absorb the risk that would otherwise sit on your balance sheet.

$2B+

In ACH fraud losses in 2024—3x higher than 2021

100%

Of liability on your balance sheet with standard processors

60 Days

To dispute a transaction and empty your reserve

79%

Of platforms hit by first-party fraud last year—up from 34%

See the 60-Day Shield in Action

Get sandbox credentials, test the full transaction lifecycle, and see exactly how liability transfer works—before you commit.

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