Zero-Liability Infrastructure for High-Ticket Payments

Thryve is the only payment infrastructure that keeps 100% of ACH and EFT return risk off your balance sheet. Purpose-built for marketplaces processing $2,000+ transactions across the US and Canada.

Protection from Fraud Loss

A $14,000 rent payment settles on Monday. The tenant disputes it on day 58. With a standard processor, that’s your problem—your reserve, your loss, your write-off. With Thryve, it’s not. Our processor-level indemnity absorbs the full NACHA dispute window so you never carry the exposure.

Contractual indemnity from day 1 through day 60

Real-time balance verification before funds move

Sub-merchant recourse instead of platform liability

One API. Two Countries. No Middleware.

Your engineering team shouldn’t be writing country-specific payment logic. Thryve handles US ACH and Canadian EFT through a single integration—routing, compliance, settlement timing, and return codes included. One connection. Ship the rest of your roadmap.

What’s Under the Hood

Every payment rail you need. The risk model nobody else offers.

All EFT Options

ACH, Same Day ACH, RTP, FedNow, and push-to-debit. All through one API, all with the same liability protection.

Native Cross-Border Payments

US ACH and Canadian EFT processed through direct processor relationships. No third-party routing. No bolt-on partners.

Merchant Onboarding in One Workflow

KYC, KYB, document collection, Plaid verification, and processor-level boarding. Not three vendors stitched together.

High-Ticket Precision

Handles $50K+ single transactions without automatic freezes, manual review queues, or surprise holds. Built for rent, not reimbursements.

Non-Recourse Settlement

When it settles, it’s final. Recourse is passed through to sub-merchants. No reserve holdbacks growing alongside your GMV.

Real-Time Balance Checks

Plaid-integrated account and balance verification before the transaction initiates. Good funds first, settlement second.

Faster settlements

Morning, afternoon, and evening settlement runs. Transactions are matched, payouts aggregated, and merchant funds calculated automatically—not in a batch you babysit overnight.

Monetizable Payments

Turn your payment flow into a revenue line. Configurable convenience fees, platform fee splits, and margin controls let you capture value on every transaction

Configurable Fee Profiles Per Merchant

Percentage-based, fixed, same-day surcharges, return fees—set at the merchant level with version history.

Real-Time Visibility

Track settlements as they clear. Catch returns before they compound. Monitor merchant performance from your desk or your phone—the Thryve dashboard puts your operations team in control, not in the dark.

What Does Your Return Exposure Actually Cost You?

Most platforms don’t know until it’s on the P&L. Our solutions team will map your current risk profile and show you exactly what changes—with numbers, not promises.

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