US payouts and payment reconciliation. From ACH to FedNow, every payment proven.

What Flominzo does for US payment businesses

Flominzo gives US payment businesses agentic payments with 100% reconciliation. Your team, or an AI agent working inside the mandates and limits you set, turns a request into a controlled payment instruction. Flominzo then reconciles every payment against the provider’s response, the settlement report, and your bank statement.

100% reconciliation means every payment ends either matched against independent evidence - the provider’s records, the settlement file and the bank statement - or as an open exception with an owner and a reason. None is silently assumed paid.

It is built for money transmitters, payout platforms, marketplaces, insurers and lenders paying out claims or loans, and finance teams that need every payment explained. Flominzo is connected through rail adapters to the providers you use; rails, markets and activation are agreed for your deployment.

US payment rails and what reconciling them involves

The US runs batch, instant, high-value, and card rails side by side. Each one confirms, settles, and returns payments differently, so the same payout can look finished on one record and open on another.

Typical US flows

• Outbound remittance: a USD collection, an FX step, and a payout in corridors such as Mexico, India, and the Philippines, by bank transfer, cash pickup, or wallet.
• Earnings and marketplace payouts: sellers, drivers, creators, and contractors paid by ACH, instant rails, or push-to-card.
• Claims, refunds, and disbursements: insurance claims, loan disbursements, and refunds where each payment needs its own proof.
• Business payments: vendor runs and payroll where a submitted batch is not the same as a settled one.

Flominzo keeps the original instruction separate from every execution attempt. A timeout on an instant rail is an unknown outcome to resolve by status lookup, never a reason to pay twice.

Regulation and your licence

Money services businesses register with FinCEN and carry Bank Secrecy Act and anti-money-laundering obligations. Money transmission is licensed state by state, and remittance transfers to other countries carry consumer disclosure requirements under the CFPB’s remittance rule in Regulation E.

Flominzo keeps the payment evidence and decision history those programmes rely on: what was instructed, what each provider claimed, what settled, and who decided each exception.

Flominzo is software. It works through your licensed providers and banks, and your licensing, AML, and consumer-protection obligations stay with you. Nothing on this page is legal or regulatory advice.

Bank statements and files

Flominzo’s statement parsers today read ISO 20022 camt.053 and camt.052, SWIFT MT940, and configured CSV layouts. Many US banks deliver BAI2 files, and a growing number also offer ISO 20022 camt.053. BAI2 and other bank or processor layouts are assessed during scoping; ask your bank which formats it can deliver. Nacha return files and card network settlement reports are mapped as evidence sources for your deployment.

Where to start

Start with one flow: for example, USD to MXN bank payouts, or one day of ACH payouts and their returns. Flominzo reads your existing transaction records and the evidence around them, and runs in parallel with your current process. Your systems keep their jobs while it runs.

1. Map: agree identifiers, amounts, currencies, business dates, and which system owns each record.
2. Run alongside: reconcile the same period your team already closed, and compare the results.
3. Explain: every difference becomes an exception with its evidence, so you can see what the current process missed or resolved by hand.
4. Decide: expand to more rails, corridors, or execution only when the agreed checks are met.

Products for US payment businesses

Questions