Biometric ACH Infrastructure
EST. NEW JERSEY, USA
NACHA · BSA/AML · PATENT PENDING
BIOMETRIC · ACH · POS

OMNIPAY™

No cards. No cash. No middlemen. You are the wallet.

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The Thesis
Traditional payments charge you fees, track your habits, and decide what you may buy. We removed the deciders.

Still swiping plastic like it’s 2005? Banks charge you. Cards track you. Middlemen profit off you. OmniPay moves money bank-to-bank, confirmed by the one credential that can’t be skimmed, cloned, or forgotten — you.

The railDirect NACHA ACH through the Federal Reserve. No card networks in the loop, no interchange tax on every tap.
The credentialFace ID or fingerprint, verified on-device. Biometrics are never seen, stored, or transmitted by us. Period.
The modelAgent-of-payee architecture. Funds never sit on our balance sheet — money moves, we verify.

The Index

Four flagship verticals. One platform. If it accepts payment, OmniPay powers it — especially where banks won’t go.
01

Aura / cannabis

Dispensary POS · 21+ Age Gate · COA Verify · METRC Sync Live — NJ → 02

HOA / property

Recurring Dues · Biometric Autopay · Owner Portal Live → 03

Government / B2G

Fees · Fines · Excise · AML Integrity Layer 7 States Engaged → 04

Liquor / retail

Age-Gated POS · ESC/POS Print · PAX Terminals Pilot Live →

Also powering Restaurants · E-Commerce · Healthcare · Fitness · Education · Hospitality · Automotive · Entertainment · Payroll

The Stack

Eleven products, one registry. Built in-house, on our own rails — no third-party aggregators anywhere in the chain.
REG 01 →

Network

Cross-store identity with five-tier loyalty. Enroll once, recognized everywhere.

REG 02 →

B2B Rail

Cultivator-to-dispensary ACH. Flat $1 per invoice, settled bank-to-bank.

REG 03 →

Advance

Working capital for merchants, repaid automatically from daily sales.

REG 04 →

Shield

Transaction protection on every payment, backed by biometric proof.

REG 05 →

Intelligence

AI compliance engine. Six scans every thirty minutes, scored 0–100.

REG 06 →

Insights

Business intelligence dashboards with 7 / 30 / 90-day lenses.

REG 07 →

VPA

firstname.lastname@omnipay. Free P2P with a zero-dispute record.

REG 08 →

Compliance Feed

The NJ regulatory wire. 300+ subscribers, delivered automatically.

REG 09 →

UBA Link

Bank account aggregation on our own rails. 342 institutions and counting.

REG 10 →

Onboarding Agent

AI-driven merchant onboarding, end to end — from application to approval.

REG 11 →

Checkout POS

Full point of sale — touchscreen terminal, online storefront, inventory, staff, reports.

REG 12 →

Your Vertical

The registry has room. Tell us where banks won’t go.

The Protocol

Three minutes to enroll. A lifetime of never reaching for plastic again.
01

Enroll once

Link your bank, verify identity, register Face ID or fingerprint. Under three minutes, free forever — and one enrollment unlocks every OmniPay merchant, online and in-store.

≈ 3 min · $0 · one time
02

Scan or tap

At the counter, scan the QR. Online, one tap — Face ID confirms. No numbers to type, no card to hand over, nothing to skim.

QR · Face ID · fingerprint
03

Money moves

ACH debit processes bank-to-bank through the Federal Reserve. No card networks. No middlemen. Sub-second confirmation on screen and a receipt in your inbox.

0.3s average confirmation
04

Sleep soundly

AES-256 at rest. Biometrics never leave the device. Optional zero-trust PIN even if your phone walks off. Every transaction on a full audit trail.

Consent revocable in one tap

The Ledger

Bank-grade protection, consumer-grade simplicity. Read the posture line by line.
EncryptionAES-256-GCM for all data at rest — unique keys per record.● Enforced
BiometricsOn-device only. Never seen, stored, or transmitted by OmniPay.● Enforced
Zero-TrustOptional 4-digit PIN — even with your device, no one pays without it.● Optional
RailsDirect NACHA ACH via the Federal Reserve. No third-party card networks.● Enforced
AuditBSA/AML logging on every transaction, five-year retention.● Enforced
ConsentSingle-use, 30/90 days, one year, or until revoked. Cancel in one tap.● Yours
Deploy GateStatic analysis + dependency scan must read zero findings before any code ships.● 0 Findings
PostureFail-closed by default. Uptime never outranks security.● Doctrine

By The Numbers

Measured, not promised.
0.3s
Average confirmation
$0
Consumer fees, ever
99.9%
Uptime guarantee
342
Banks on UBA Link
11
Ecosystem products
500+
API routes served
Last Call

Be the wallet.

Enrollment takes three minutes · merchants set up for $0

Enroll Free → Become a Merchant →
Try the live shop demo ↗