Montreal-based Zūm Rails has added embedded credit card acceptance to its platform, allowing companies to integrate fully customizable checkout experiences directly inside their products across both Canada and the United States.
The capability follows the company becoming an official payments facilitator through its partnership with Fiserv — a regulatory and operational step that enables Zūm Rails to manage merchant onboarding, settlement, and compliance on behalf of its customers.
Early adopters include brokerage platform Questrade, which uses the feature to sell educational content, and Canadian real estate company Zolo, which applies it to property transactions.
Credit cards remain the most widely used payment method in North America, accounting for roughly 23% of transactions in the U.S. and 33% in Canada. Yet businesses typically rely on third-party processors that redirect users to hosted checkout pages and limit control over the customer experience. Zūm Rails embeds card acceptance directly into a company’s interface, allowing teams to design checkout flows that match their product workflows and branding.
Companies can launch card acceptance across both countries with a single integration while unifying reconciliation alongside Interac, EFT, ACH, RTP, FedNow, Visa/Mastercard debit, and open banking connections already supported by the platform.
“For too long, businesses have been forced to choose between rigid checkout experiences or slow custom payment builds with full control,” said CEO Miles Schwartz. “Companies can now embed fully customized checkout into their platforms in days, not months — with lower costs and unified access to both markets.”
The launch marks a strategic milestone for Zūm Rails. Over the past several years the company has expanded from open banking connectivity into real-time payments, cross-border transfers, and card issuing — including a recent partnership with Mastercard enabling businesses to issue debit and credit cards. By adding acceptance, platforms can now both issue payment credentials and collect funds within the same infrastructure layer.
The result positions Zūm Rails less as a payment processor and more as a financial operations backbone for software platforms. Rather than stitching together multiple providers for banking rails, card programs, and cross-border transactions, companies can manage the full lifecycle of money movement inside a single system.
As embedded finance adoption accelerates, the company is betting that controlling both sides of the transaction — issuing and acceptance — will define the next generation of fintech infrastructure.
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