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Payload Company Overview
Payload, Inc. is a fintech company founded in 2019 and headquartered in Cincinnati, Ohio. Its platform enables streamlined, API-driven management of inbound and outbound payments—including ACH, card networks, and real-time payments (RTP, FedNow)—targeting industries such as real estate, legal, insurance, SaaS, and professional services. Payload offers features like custom payment links, disbursement management, invoice automation, KYC/account verification, and advanced routing logic to handle complex workflows. The company gained payment facilitator capabilities through a partnership with J.P. Morgan and adheres to security standards such as PCI Level 1 and SOC 2 Type II. It has raised approximately $1.5 million in seed funding and continues to focus on embedding flexible payment workflows into vertical software platforms.