Alacriti
“Can a cloud-native payments hub become the default money-movement orchestration layer for US banks and credit unions modernizing off legacy cores?”
Founded2003
HQBridgewater, New Jersey, United States
Latest roundGrowth equity (Sageview Capital-led), May 2026
IndustryInfrastructure / Payments
The story
Alacriti has spent two decades as a payments-infrastructure vendor to US financial institutions, evolving its Orbipay platform from electronic bill presentment & payment (EBPP) into a cloud-native, ISO 20022-based payments hub that orchestrates RTP, FedNow, Zelle, Visa Direct, ACH and Wires for banks and credit unions. The 2026 growth round signals a push into fraud, AI-driven decisioning, and digital money services while remaining a B2B2C infrastructure provider — not a balance-sheet fintech.
Last 12 months
Product timeline
2003
Alacriti founded in Bridgewater, NJ as a payments infrastructure company.· founding
2019
Orbipay Payments Hub positioned as cloud-native unified payments platform supporting ACH, Wires, RTP.· banking
2025
Integrated Visa Direct into Orbipay Payments Hub for real-time card-based payouts/account funding.· banking
2026
Secured strategic growth equity investment led by Sageview Capital with BMO Capital Partners and Curql Fund.· funding
The stack
4 layers disclosed in Alacriti’s embedded-finance stack
Payments / PSP
Orbipay Payments Hub (self-operated)Orbipay EBPP (self-operated)Orbipay Digital Payouts (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
FX & payouts
in the full report
Accounting gap: none
6 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.