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Multi-Rail Money Movement - ACH RTP, Wires and Cards Through One API

Tired of piecing together outdated payment systems and struggling with delays, errors and risks? With Qascade Money, you get real-time multi-rail money movement that integrates directly into your workflows. Orchestrate payouts, settlements and transfers seamlessly from one unified platform.

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Disjointed Payments Are Holding You Back

Finance teams everywhere face the same frustrations when managing multiple payment rails. The result?

Late payments and funds arriving off-schedule

Hidden fees eating into your margins

Manual intervention whenever (and wherever) something breaks

Compliance blind spots causing unnecessary risk

Sound familiar?

One Platform. One API.
Every Payment Flow

Remove friction and replace patchwork systems with reliable real-time orchestration. Here’s what makes our multi-rail solution different:
Multi-rail orchestration:

Move money seamlessly across ACH, wire, RTP and push-to-card through one single API.

Embedded intelligence:

Real-time data integrates seamlessly with our Quantum Ledger delivering unmatched visibility and control across banks and rails.

Instant reconciliation & settlement:
Every transfer automatically aligns with your organization’s ledger removing manual balance-matching entirely.
End-to-end transparency:

Track every dollar and transaction without delays, blind spots or hidden fees.

With Qascade Money, you’re not just moving money. You’re simplifying your operations and shifting control back into your hands.

Why Qascade Money Stands Out

Real-time accuracy:
Move funds instantly and bid farewell to delays and manual corrections.
Unified control across payment rails
Whether it’s ACH, wire transfers or cards, it all works under one system.
Automatic reconciliation
Transactions post to your ledger in real time eliminating confusion and cutting hours of manual matching.
Greater transparency & compliance
Enjoy full audit trails and oversight for every single transaction.
Built to grow with you
Loop in new banks or rails effortlessly expanding without rebuilding your infrastructure.

FAQs

What payment rails does Qolo support?
Qolo’s Qascade Money orchestrates payments across ACH, RTP (Real-Time Payments), FedNow, wire transfer, and card networks. The platform is rail-agnostic by architecture, meaning it handles all current rails in one integration and is designed to support emerging rails, including stablecoins, without requiring a rebuild.
Qascade Money orchestrates payouts across ACH, RTP, FedNow, wire, and push-to-card in simple APIs. For platforms that disburse to gig workers, contractors, or cardholders, this means offering the recipient multiple options without managing separate vendor integrations for each rail. The ledger layer tracks every payout in real time regardless of which rail it traveled, so reconciliation is automatic and balance visibility is always current.
Qolo’s Qascade Money provides a single API integration that routes payments to the appropriate rail based on program configuration or real-time logic. ACH for standard batch transactions, RTP and FedNow for real-time settlement, wire for high-value transfers, and card networks for card disbursements. Customers configure rail preferences and fallback logic once. The platform handles routing, execution, and confirmation while the embedded ledger captures every transaction regardless of rail.
Because Qolo’s embedded ledger sits underneath the payment execution layer, every transaction is recorded at the moment it occurs regardless of which rail carried it. ACH settlements, RTP confirmations, wire completions, and card transactions all post to the same ledger in real time. Program managers see a unified view across every rail at the master account, program, and cardholder level without running batch jobs, pulling reports from multiple systems, or maintaining reconciliation spreadsheets.
FedNow is the Federal Reserve’s real-time payment rail, launched in 2023 to provide instant settlement between U.S. financial institutions. It operates alongside RTP (The Clearing House’s real-time rail) as one of two primary real-time payment options in the U.S. Qolo’s Qascade Money supports both FedNow and RTP, allowing customers to offer real-time payment options to their commercial clients or platform users without managing separate integrations for each rail.
ACH origination is the process of initiating Automated Clearing House transactions, the primary batch payment rail used in the U.S. for direct deposits, vendor payments, and account-to-account transfers. As an originating company, a platform or bank instructs the ACH network to move funds on a scheduled or triggered basis. Qolo’s Qascade Money supports ACH origination as part of its multi-rail payment orchestration, alongside RTP, FedNow, wire, and push-to-card.

Take Control of Your Money Movement

Your business doesn’t have time for fragmented vendors and broken processes. Take control of your payments.

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