“Can a unified, rail-agnostic payment orchestration API with embedded ML-driven funds availability prediction become the standard infrastructure layer for enterprise money movement in the US?”
Founded in 2019 by Stephany Kirkpatrick (formerly of LearnVest/Northwestern Mutual), Orum set out to solve the latency and uncertainty of ACH-based interbank money movement using AI and machine learning. It built a unified payment orchestration API that routes transactions across ACH, RTP, FedNow, and Visa Direct rails with predictive funds availability. After raising $82M+ through a fast-paced Series A and B in 2021, Orum scaled enterprise partnerships with banks and fintechs before ultimately being acquired by Stripe, where it operates as an embedded payments infrastructure subsidiary.
Orum discloses JPMorgan Chase Bank as its banking provider, according to the Embedded Finance Index 2026.
Orum does not disclose a bank charter of its own; its banking services are provided through JPMorgan Chase Bank.
Orum processes payments through Orum Deliver (self-operated) and Visa Direct. Disclosed money-movement rails: Visa Direct.
The Embedded Finance Index 2026 maps 3 layers in Orum's stack: Payments / PSP (Orum Deliver (self-operated) and Visa Direct); Money movement (Visa Direct); Banking / BaaS (JPMorgan Chase Bank).
Orum was founded by Stephany Kirkpatrick and is founded in 2019, headquartered in New York, NY, USA.
Orum has raised $82M+ in total (latest round: Series B, June 2021).
Get a read on where your own stack stands against Orum 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.