Move · Money movement

Collect, pay out and see your cash across every bank.

Finance and ops teams juggle bank portals and file formats to collect, pay and check balances.

Acme gives you one unified API and one dashboard for all three, across every bank you connect.

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Today across your banksExample data
Money in
PayNow QRDBS SG
45.00 SGDReceived
Virtual accountOCBC MY
12,000.00 MYRReceived
eGIRO collectionDBS SG
120.00 SGDCompleted
Money out
Supplier payoutFAST · UOB SG
8,500.00 SGDCompleted
Overseas supplierTelegraphic transfer · DBS SG
48,000.00 USDProcessing
One API and one dashboard for every bank you connect.

Money in

Bank transfers in

Payers send money from their own bank. You're notified as it lands where the bank sends real-time notices, and statements confirm it later.

Virtual accounts

Give each customer or entity its own account number, so every credit is easy to match.

PayNow QR and checkout

Let payers scan a PayNow QR, pay by FPS in Hong Kong, or pay on a hosted page with PayNow, PayLah! or FPX.

Direct debit

Collect against eGIRO, eDDA or FPX mandates your customers authorise once.

Cash Visibility

Balances across every bank and account
Credits as they land, where the bank sends real-time notices
Daily bank statements in one format
Every transaction with the bank's reference

Payment controls

1

Approvals

A second pair of eyes before money moves.

Set up
Maker-checker, on your rules
Covers
✓One person prepares, another approves
✓Nothing goes to the bank until it's approved
✓Pending payments wait in a queue you can see
✓Every approval logged with who and when

Set per account. Details in the API docs.

2

Status tracking

Know where every payment is.

Updates
A webhook on every status change
Covers
✓The bank's reference on every completed payment
✓The bank's reason on every rejection
✓Unclear bank answers checked again before we decide

Statuses follow the bank's own answers.

3

AI agents

Ask and prepare from your AI tools.

Status
Coming soon
Covers
✓Balances and payment status in plain language
✓Payments prepared for a person to approve
✓Agents can never send money

See the AI agents page for what's coming.

Your bank and your company settings in Acme always apply on top.

Money out

Pay suppliers, customers and partners on each market's local rails or cross-border, with one request format and a final status for every payment.

InstantReal-time payments

Pay any account instantly on each market's real-time rail.

FASTPayNowDuitNowFPSOsko / NPPFaster PaymentsBI-FASTPix
See real-time rails → High-value and internationalCross-border and RTGS

Telegraphic transfers, book transfers and same-day high-value payments.

Telegraphic transferBook transferMEPS+RENTASCHATSCHAPS
See cross-border and RTGS → Batch and recurringDirect debit and ACH

Collect with mandates and pay out in low-cost batches.

eGIROeDDAGIROIBGACHBECSBACS
See direct debit and ACH →

FAQ

  • Which payment methods can we use?

    It depends on your banks and markets. The real-time, cross-border and RTGS, and direct debit and ACH pages list every rail by market and the bank behind it. Tell us where you bank and we'll confirm what you can use.

  • Does Acme hold our funds?

    No. Money moves between your own bank accounts and your payers or payees. You keep custody with your bank.

  • How do we know a payment went through?

    Every payment moves to a final status based on the bank's answer, with the bank's reference or its reason for rejecting it. We send a webhook on every change, and you can see it in the dashboard.

  • Can we require approval before payments go out?

    Yes. Turn on maker-checker and a second person must approve each payment before anything is sent to the bank.

  • Do we get balances and statements too?

    Yes. Balances, transactions and bank statements for every connected account, through the same API and dashboard.

  • How long does it take to go live?

    Typically 6 to 8 weeks per bank. Acme runs the bank project from kick-off to go-live; see Account onboarding for how.

    • Tell us your banks and markets. We'll map every rail you need.

    Talk to usSee the API docs