Fundraising Fox

Neural Payments

Mason, US · Founded 2019 · Delaware corporation · 15 employees on LinkedIn · 6 known investors

Neural Payments provides a white-labeled payments hub for banks and credit unions, unifying payment rails (ACH, RTP, FedNow, debit networks, and digital wallets) through a single integration. Its offerings include peer-to-peer payments, small business disbursements, instant account funding, and a fraud rules engine.

Also known as Neural Payments

AI & Machine LearningFintechSaaS

Founders & leadership

MO
Michael OppyExecutive

Board

IS
Isaac SaldanaBoard director
RG
Ryan GorneyBoard director
MW
Martin WalkerBoard director
AA
Alice Ann SchwartzBoard director

Investors · 6

Commerce VenturesSan Francisco · $1M – $5M
Curql Collective, LLCDes Moines
Next Level VenturesDes Moines · $500K – $5M
PS27 VenturesJacksonville · $250K – $1Mvia Jim Stallings · inferred
CatalystreportedWashington
SixThirty VenturesreportedSt. Louis · $100K – $250K

Reported raises · per SEC filings

Form D private placements

$13.3M disclosed across 5 rounds · 2020–2023

▶$9.7MraisedDec 2024 · 7 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Isaac SaldanaDirector
  • Alice Ann SchwartzDirector
  • Michael OppyExecutive Officer, Director
  • Ryan GorneyDirector
  • Martin WalkerDirector
Offering amount
$14M
Amount sold
$9.7M
First sale
Oct 2022
Incorporated
Corporation, Delaware
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$75KraisedSep 2023 · 1 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Isaac SaldanaDirector
  • Alice Ann SchwartzDirector
  • Ryan GorneyDirector
  • Michael OppyExecutive Officer, Director
Offering amount
$75K
Amount sold
$75K
First sale
Aug 2023
Incorporated
Corporation, Delaware, 2019
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$500KraisedAug 2022 · 2 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Alice Ann SchwartzDirector
  • Michael OppyExecutive Officer, Director
  • Isaac SaldanaDirector
Offering amount
$800K
Amount sold
$500K
First sale
Jul 2022
Incorporated
Corporation, Delaware, 2019
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$2MraisedAug 2022 · 8 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Alice Ann SchwartzDirector
  • Michael OppyExecutive Officer, Director
  • Isaac SaldanaDirector
Offering amount
$2M
Amount sold
$2M
First sale
Jun 2021
Incorporated
Corporation, Delaware, 2019
Federal exemptions
06b
Full filing on SEC EDGAR ↗
▶$1MraisedOct 2020 · 8 investors · Other Technology
Rule 506(b)
Officers, directors & promoters on the filing
  • Isaac SaldanaDirector
  • Alice Ann SchwartzDirector
  • Michael OppyExecutive Officer, Director
Offering amount
$1M
Amount sold
$1M
First sale
Sep 2020
Incorporated
Corporation, Delaware, 2019
Federal exemptions
06b
Full filing on SEC EDGAR ↗

Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.

Company profile

researched Aug 2026

Neural Payments provides a payments hub for banks and credit unions that connects multiple payment networks through a single point of integration. Its stated aim is to unify payment rails rather than wrap legacy systems, allowing an institution to move funds over traditional rails, digital wallets and API-based payment technology. The platform integrates with ACH and RTP rails, FedNow, debit card networks and widely used digital wallets, so recipients can direct funds to a bank account, a debit card or a digital wallet without needing a shared app or platform.

The product set includes embedded peer-to-peer payments delivered inside an institution's mobile banking app, disbursements that let small businesses and individuals send single or bulk payments from a file upload, instant account funding intended to support customer acquisition, and a fraud rules engine. The fraud engine is described as combining real-time transaction monitoring, machine learning and institution-configurable rules, and is included with all products. Solutions are white-labeled and customizable to the institution's brand, with the company stating implementations can go live in as little as 90 days.

Business model

Neural Payments sells its payments technology to financial institutions, which deploy it white-labeled within their own digital banking experience; products are offered as an integrated suite, with the fraud rules engine included alongside the P2P and disbursement products.

▸Full profile — market position, technology, go-to-market

Market position

Presents itself as an alternative to established bank P2P and payment providers such as Zelle and Payrailz for financial institutions seeking an embedded, white-labeled payments hub.

The company positions its hub as unifying all major payment rails through one integration rather than layering a wrapper over legacy systems, and contrasts itself with Zelle and Payrailz on flexibility, including a "recipient first" approach in which payees outside the institution can receive funds to a bank account, debit card or digital wallet and become potential new customers. It also emphasizes white-labeled branding, customizable fraud rules and implementation timelines as short as 90 days.

Technology

A payments engine that moves funds between senders and recipients across ACH, RTP, FedNow, debit card networks and digital wallets from a single integration, paired with a fraud rules engine using real-time transaction analysis, machine learning and customizable, institution-defined rules that are updated as new fraud patterns emerge.

Go-to-market

Direct sales to financial institutions supported by demo requests, an ebook and a blog covering P2P payments, transaction branding and check fraud; the product is built to integrate with the digital banking platforms institutions already run.

Banks and credit unions of all sizes, and through them the institutions' retail customers and small business (SMB) customers.

Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.

Competitors · 9

by search overlap
Stripe22 shared keywordsStripe provides financial infrastructure for businesses to accept payments, offer financial services, and implement custom revenue models across international markets in 135+ currencies.
Experian21 shared keywordsExperian offers consumers tools to access their credit report and FICO Score, build credit, and manage money, including credit card matching, bill and subscription negotiation, car insurance comparison, and a digital checking account with debit card. It serves individual U.S. consumers through its app and financial products.
Chase20 shared keywordsA wealth management and investing service (J.P. Morgan Wealth Management via Chase) offering self-directed brokerage accounts with commission-free online trades as well as one-on-one advisor services, financial planning tools, and retirement accounts. It serves individual retail investors ranging from beginners to experienced investors in the United States.
GoCardless20 shared keywordsGoCardless provides bank payment collection and open banking data access services. The platform enables businesses to collect domestic and international payments via bank accounts and securely access customer bank account data across 2,300+ banks in the UK and Europe.
Wise17 shared keywordsWise is a financial platform offering international money transfers, multi-currency accounts, and debit cards with low fees and competitive exchange rates, serving millions of users globally.
Jetlore16 shared keywordsJetlore was a Palo Alto AI startup that turned unstructured retail product data into structured attributes so merchants could personalise what each shopper saw. Founded by Stanford researchers, it raised from Sierra Ventures, Alsop Louie Partners, Fenox Venture Capital, BRM Capital and Mercury Fund, and PayPal acquired it in 2018.
Equifax15 shared keywordsEquifax is a data and analytics company providing consumer credit monitoring, identity theft prevention, and business risk and fraud solutions, as well as employment, income, tax, and payroll verification services for businesses and government entities. It serves consumers, businesses, and governments in the U.S. and internationally with credit and financial decisioning insights.
Capital One15 shared keywordsCapital One is a financial services company that offers credit cards, checking and savings accounts, auto financing, and business banking products to consumers and small businesses. The company provides digital banking tools, rewards programs, and credit monitoring services.
Clover Network14 shared keywordsClover offers a point-of-sale system and software platform designed for small businesses in restaurants, retail, and service industries, featuring integrated payment processing, online ordering, inventory management, and staff scheduling capabilities.

Companies competing with Neural Payments for the same Google search keywords, organic and paid, via search-intersection analysis.

Legal entities · 1

corporate structure
Neural PaymentsDelaware

In the news

Catalyst Takes Ownership Stake in Neural Paymentscutimes.com · Apr 2026Why We Invested in Neural Payments | SixThirty Ventures, LLCsixthirty.co · Aug 2025Neural Payments: Paying with Your Thoughts - fintech rating company for Payment Gateway Listing Directorythefinrate.com · Mar 2025Neural Payments raises $8 million in Series A Funding - CUInsightcuinsight.com · Feb 2023As fintech funding slows, payment startups turn to acceleratorsamericanbanker.com · Dec 2022

▸Research sources · 1

primary sources listed

1 public sources were cited for this profile; the first-party ones are listed here.

Frequently asked questions

What does Neural Payments do?
Neural Payments offers banks and credit unions a white-labeled payments hub unifying P2P, disbursements and fraud tools.
Who are Neural Payments's investors?
Neural Payments's investors include Commerce Ventures, Curql Collective, LLC, Next Level Ventures, PS27 Ventures, Catalyst, SixThirty Ventures.
How much funding has Neural Payments raised?
Neural Payments has disclosed $13.3M raised across 5 rounds.
Where is Neural Payments headquartered?
Neural Payments is headquartered in Mason, US.