Fintainium
“Can a small-team B2B payout infrastructure provider capture recurring revenue from ISVs and platforms that need white-label mass disbursement capabilities without building their own rails?”
Founded2018
HQJacksonville, Florida, United States
Total raised$13.72M
Latest roundLater Stage VC, ~2025-2026
IndustryFintech / SMB banking
The story
Founded in 2018 as ePayRails, the company initially targeted B2B payments and receivables automation for SMBs. It rebranded to Fintainium and broadened its platform to include embedded payments, mass disbursements, cash-flow management, and lending. The company has since repositioned as a white-label payout infrastructure provider targeting ISVs, payment facilitators, and bank treasury desks — essentially selling payout-as-a-service rather than a standalone fintech app. Its partnership with Visa Direct underpins its branded 'RapidPay' push-to-card rail.
Product timeline
2018
Founded as ePayRails, a B2B payments and receivables platform for SMBs.· pivot
2021
Rebranded from ePayRails to Fintainium, expanding scope to embedded payments, mass disbursements, and lending.· pivot
2022
Listed as a Visa Direct solution partner for funds disbursement in U.S. and Canada.· banking
2024
Launched white-label payout platform with same-day ACH, push-to-card (RapidPay), virtual cards, and mailed-check disbursements.· banking
2025
Raised $7.82M later-stage VC round; total funding reached ~$13.72M.· acquisition
The stack
4 layers disclosed in Fintainium’s embedded-finance stack
Money movement
Banking / BaaS
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: significant
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.