Integrations

Pre-built connections to the financial infrastructure you rely on

PayNestio sits at the center of your payment facilitation stack and connects via REST API to the identity verification, ACH origination, accounting, and KYC services your vertical SaaS platform already depends on — so you build once, not six times.

Plaid

Bank Account Verification

Instant bank account verification and ACH authentication for sub-merchant onboarding. Sub-merchants link their disbursement account through a Plaid-powered flow embedded in PayNestio's white-label KYC/KYB UI — no manual void check collection.

Stripe

Card Payment Rails

Card acceptance via Stripe's payment network. PayNestio routes card payments through Stripe's rails and applies split settlement rules before disbursing sub-merchant net amounts via ACH. Stripe handles PAN tokenization; PayNestio handles payout routing and platform fee capture.

Checkr

Identity Verification

Identity and background verification integrated into PayNestio's KYC/KYB waterfall for high-compliance verticals — notably healthcare staffing, where background screening is standard. Checkr results feed into the sub-merchant risk scoring flow.

Dwolla

ACH Payment Rails

ACH origination via Dwolla for bank-to-bank payment flows. Powers platform disbursements, sub-merchant payouts on T+0 and T+1 schedules, and mass-batch ACH for high-volume contractor payment runs.

QuickBooks

Accounting & Reconciliation

Export settlement data, interchange pass-through detail, and 1099-K filing reports directly to QuickBooks. Reconcile platform earnings, sub-merchant payouts, and fee revenue per transaction without manual data entry or CSV exports.

NetSuite

ERP & Financial Reporting

For enterprise platforms on NetSuite, PayNestio's settlement data maps to NetSuite financial records. Automated journal entries, sub-ledger sync, and payment reconciliation for high-volume platforms managing hundreds of sub-merchants.

Webhooks & Events

Real-time event delivery for your platform

PayNestio fires HMAC-signed webhooks for every settlement event, sub-merchant KYC state change, 1099-K threshold crossing, chargeback received, and ACH disbursement initiated. Your platform stays current without polling. All events are replayable from the dashboard or via API.

Guaranteed delivery with automatic retries
HMAC signature verification on every event
Configurable per-event type subscriptions
Event replay from dashboard

webhook — settlement.completed

POST https://your-platform.com/webhooks/paynestio
X-PayNestio-Signature: sha256=3a7bc...
Content-Type: application/json

{
  "event": "settlement.completed",
  "merchant_id": "mer_8xK3nZ",
  "gross_amount": 42500,
  "platform_fee": 850,
  "merchant_payout": 41650,
  "settled_at": "2026-03-15T14:32:07Z"
}

RESTful JSON API

Every PayNestio resource — sub-merchants, payments, split rules, payout schedules, compliance flags — is accessible via a clean REST API. Predictable resource URLs, JSON request/response, standard HTTP status codes, and idempotency keys for safe retry behavior.

API Key Authentication

Platform-scoped API keys with configurable permission levels. Sandbox and production keys kept separate. Key rotation supported without downtime.

Full API Reference

Full OpenAPI reference with request/response examples for every endpoint. SDKs in Node.js and Python available to early access partners on request. Sandbox mirrors production exactly — including KYC flows, split routing, and 1099-K threshold tracking.

Sandbox Environment

Full production-equivalent sandbox for integration testing. Test KYC flows, split rules, webhook delivery, and 1099-K threshold logic before going live.

Get Connected

Start integrating in your sandbox

Request access to receive API credentials, sandbox environment access, and the OpenAPI reference for your integration team.

Request Access View Platform