“Can a cloud-native payments hub become the default money-movement orchestration layer for US banks and credit unions modernizing off legacy cores?”
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.
Alacriti discloses Wells Fargo Bank as its banking provider, according to the Embedded Finance Index 2026.
Alacriti does not disclose a bank charter of its own; its banking services are provided through Wells Fargo Bank.
Alacriti processes payments through Orbipay Payments Hub (self-operated), Orbipay EBPP (self-operated) and Orbipay Digital Payouts (self-operated). Disclosed money-movement rails: ACH, RTP, FedNow and Visa Direct.
Alacriti uses Visa Direct for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Alacriti's stack: Payments / PSP (Orbipay Payments Hub (self-operated), Orbipay EBPP (self-operated) and Orbipay Digital Payouts (self-operated)); Money movement (ACH, RTP, FedNow and Visa Direct); Banking / BaaS (Wells Fargo Bank); FX & payouts (Visa Direct).
Alacriti is founded in 2003 and headquartered in Bridgewater, New Jersey, United States.
Get a read on where your own stack stands against Alacriti and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.