FlexPoint Revolutionizes ACH Payments with AI-Driven System

FlexPoint, a payment technology company, has unveiled an innovative artificial intelligence (AI)-powered system that accelerates Automated Clearing House (ACH) payments, allowing them to be processed on the same day, according to PYMNTS. This marks a significant improvement over the traditional five-day processing time by employing AI to evaluate transaction risks efficiently.

The system integrates directly with the Federal Reserve’s FedNow® Service infrastructure, ensuring fast and secure processing of ACH payments, according to FlexPoint’s Thursday (Dec. 12) press release.

Historically, rapid ACH transfers were predominantly available to large corporations. FlexPoint’s solution democratizes access to same-day payment capabilities, enabling businesses of all sizes to streamline electronic transactions.

“We’re thrilled to bring faster payments to the other 99% of businesses in the United States,” said Victor Lopez, FlexPoint’s founder and CEO.

By utilizing an advanced AI-driven risk model, the system extends its rapid payment features to a wider audience, addressing a long-standing challenge for small- and medium-sized enterprises (SMEs). Traditional ACH transfers, though widely used for electronic fund movement, often involve extended delays, which can create cash flow issues for businesses awaiting payments.

The system is particularly beneficial for managed service providers (MSPs) and their clients, allowing them to not only push payments out but also pull payments and receive funds the same day. This dual functionality provides businesses with better control over accounts receivable and faster access to working capital.

Dustin Bolander, founder of Texas-based Clear Guidance Partners and an early adopter of the FlexPoint system, highlighted its operational benefits.
“FlexPoint not only clears payments rapidly, the sync features also save our accounting team a ton of time,”Bolander noted.

FlexPoint’s launch aligns with a broader trend in the financial technology (FinTech) sector, where companies are increasingly leveraging AI to mitigate payment risks and enhance transaction speeds. The development follows the Federal Reserve’s July introduction of the FedNow Service, a framework designed to enable faster electronic payments.

Founded in 2022, FlexPoint has rapidly grown, reporting a tenfold increase in its payment volume in 2024. As a privately held company, it is among the leading FinTech innovators striving to modernize business-to-business (B2B) payment systems.

The introduction of same-day ACH services reflects the industry’s shift toward more efficient financial operations, meeting growing demands for quicker access to funds.

FlexPoint’s advancements underscore the transformative potential of AI in payment systems, offering a glimpse into the future of streamlined business transactions.