Stripe Acquires Orum to Expand Capabilities in Real-Time Payments and Bank Account Verification

Stripe’s acquisition of Orum unlocks real-time payment orchestration and instant bank account verification, empowering digital platforms to offer frictionless, secure payouts at scale.

Stripe has acquired fintech startup Orum to deepen its real-time payments infrastructure, particularly targeting faster ACH, RTP, and FedNow transactions. Orum’s standout “Verify” product enables instant bank account verification validating accounts in under 15 seconds and covering all U.S. banks eliminating micro-deposit delays and reducing funds-on-hold issues. This bolsters Stripe’s non-card payment strategy and accelerates time-to-money for marketplaces, payroll providers, and platforms needing rapid disbursements.

Founded in 2019 and backed by venture capital, Orum’s platform is already integrated with major real-time rails. Stripe acquires Orum, adding to its run of calculated buys from stablecoins to crypto rails and tightening its hold on both legacy and next-gen payment frameworks. The acquisition reinforces Stripe’s intent to be the go-to infrastructure layer for all things digital payments, moving well past just credit cards. With Orum’s real-time payments infrastructure and Orum bank account verification tools, Stripe now boosts its capability to deliver instant, high-speed settlements at scale. Clients gain tools for instant verification and same-day settlement, a major win across industries seeking faster, frictionless Stripe non-card payments.

Fintech executives should treat this as a turning point. Inside the walls, firms must ask: is our payout system real-time or still lagging in T+1 delays? Outside, ecosystem partners, whether banks, SaaS vendors, or gig platforms need to align with those enabling fast, assured settlements. As Stripe embeds Orum’s capabilities, the gains will show up fast: fewer failed transactions, faster monetization, and tighter fraud control. Stripe acquires Orum not just to expand it’s redrawing the blueprint of real-time payments infrastructure in a way that lifts the entire Stripe non-card payments ecosystem. Orum bank account verification? Now it’s part of the new standard.