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Companies

Payload

Payments API for real estate and legal software

Raised to date

$9.1M

of $9.1M offered across 1 Form D filing

Investors
18
Last filed
Jul 8, 2026

About

Payload is a Cincinnati-based payments infrastructure company that lets software platforms and businesses move money programmatically. Its API-driven platform covers payment acceptance across channels, ACH and instant bank transfers, card processing, KYC-verified onboarding of sub-merchants, configurable billing, embedded banking with synthetic accounts, and invoicing with recurring payments. It was founded in 2019 by Ryan Rybolt and Ian Halpern, who previously built and exited Infintech and PlacePay, and it has partnered with J.P. Morgan on a payment solution. The company concentrates on verticals with complex funds flows such as real estate, legal, and professional services.

It goes beyond a card-in, card-out payments API by combining ACH automation, KYC-verified sub-merchant onboarding, and embedded banking accounts in one platform, so software vendors can model complex funds flows without stitching together separate processors and banking partners.

Funding

  • EquityFiled Jul 8, 2026Form D
    $9.1M/ $9.1M

Product

Payload payments platform

Payments infrastructure

A developer-facing payments and funds-flow platform that software companies and businesses embed to accept, route, and disburse money.

  • Multi-channel payment acceptance and fund transfers
  • ACH, instant bank payments, and card processing
  • KYC enrollment and onboarding for platform sub-merchants

Built for

US software platforms embedding payments, enterprises needing scalable payments infrastructure, and small and mid-sized businesses, with vertical concentration in real estate, legal, and professional services

People on file