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Neural Payments
Mason, US · Founded 2019 · Delaware corporation · 15 employees on LinkedIn · 8 known investors
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Neural Payments provides a payments engine platform that enables financial institutions to offer peer-to-peer and SMB payment solutions with real-time fraud detection and integration across major payment networks. The platform serves banks, credit unions, and fintechs seeking to modernize digital payment capabilities with white-labeled customization.
Also known as Neural Payments
Founders & leadership
Neural Payments was founded in 2019 by Mick Oppy.
Board
Investors · 8
How we know: Commerce Ventures's portfolio page · the VCSheet dataset · Not right? Tell us
How we know: Curql Collective, LLC's portfolio page · Not right? Tell us
How we know: Next Level Ventures's portfolio page · the VCSheet dataset · Not right? Tell us
How we know: the VCSheet dataset · Not right? Tell us
How we know: funding news · Not right? Tell us
How we know: funding news · press coverage · Not right? Tell us
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Reported raises · per SEC filings
Form D private placements$13.3M disclosed across 5 rounds · 2020–2023
▶$9.7MraisedDec 2024 · 7 investors · Other TechnologyRule 506(b)
- 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
▶$75KraisedSep 2023 · 1 investors · Other TechnologyRule 506(b)
- 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
▶$500KraisedAug 2022 · 2 investors · Other TechnologyRule 506(b)
- 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
▶$2MraisedAug 2022 · 8 investors · Other TechnologyRule 506(b)
- 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
▶$1MraisedOct 2020 · 8 investors · Other TechnologyRule 506(b)
- 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
Source: SEC EDGAR Form D. Amounts as filed; amended filings shown once at their latest values.
Company profile
researched Aug 2026Neural 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.
Related companies · 9
Companies working in the same space as Neural Payments.
Legal entities · 1
corporate structure▸Research sources · 1
primary sources listed
- Neural Paymentsneuralpayments.com · web
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 founded Neural Payments?
- Neural Payments was founded by Mick Oppy in 2019.
- Who are Neural Payments's investors?
- Neural Payments's investors include Commerce Ventures, Curql Collective, LLC, LEAP Global Partners, Next Level Ventures, PS27 Ventures, Catalyst, Mendon Venture Partners, 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.