Stripe Expands Real-Time Payments with Orum Acquisition

Global payments platform Stripe has acquired U.S.-based fintech company Orum in a strategic move to expand its capabilities in real-time payments and bank account verification. The acquisition strengthens Stripe’s infrastructure for non-card payments and highlights increasing demand for faster, more reliable money movement solutions across financial services.

Founded in 2019, Orum provides API-based tools for instant payment orchestration and rapid bank account verification. Its platform supports multiple U.S. payment rails, including ACH, RTP, and FedNow, enabling businesses to reduce transaction latency, accelerate disbursements, and streamline onboarding through instant account validation. By integrating Orum’s technology, Stripe aims to enhance its offering for businesses that depend on time-sensitive transfers—such as payroll providers, marketplaces, and gig economy platforms.

This acquisition follows a pattern of Stripe investing in next-generation financial infrastructure. In recent months, the company has expanded into stablecoin and crypto infrastructure through acquisitions like Bridge and Privy. While Orum does not operate in the crypto space, its work on streamlining traditional rails is seen as complementary to Stripe’s growing suite of developer-friendly tools.

Orum has raised over $80 million in venture capital from top-tier investors including Bain Capital Ventures, Inspired Capital, and Accel. Its clients span industries with high-frequency payment needs, from brokerages to consumer payout platforms. The company has played a key role in moving the industry away from legacy verification methods, like micro-deposits, toward instant, API-driven authentication and payment initiation.

As part of the transaction, Orum’s leadership team—including founder and CEO Stephany Kirkpatrick—is expected to join Stripe. Details on how Orum’s products will be integrated into Stripe’s platform have not been disclosed, but the technologies are anticipated to be gradually embedded into Stripe’s core payments infrastructure to support scalable, real-time financial services.

The deal underscores the accelerating shift toward real-time settlement and the strategic importance of account-level intelligence, payment routing, and verification in today’s fintech landscape. With the adoption of FedNow and growing RTP volumes in the U.S., Stripe’s move places it at the forefront of the bank-based payment evolution.

No financial details were disclosed in the announcement.