Two core middleware products for software platforms: processor-agnostic payment and payout orchestration, plus AI-driven accounts receivable and collections. Connect through APIs and webhooks to put your business rules in control.
Split Rail gives software companies powerful payout and financial workflow capabilities through API- and webhook-driven middleware—without having to build every component themselves.
Apply configurable rules and commands to direct integrated card and ACH providers to execute supported payments, payouts, and invoice-related activities. Split Rail orchestrates the workflow; your selected providers execute the transactions.
Processor choice. Configurable logic. Control.
Purpose-built AI that actively manages invoicing, customer communications, payment reminders, overdue follow-ups, and collection workflows. Accounts payable capabilities are inherent in the architecture and can be expanded for deeper AP needs.
Invoicing. AI follow-ups. Collections.
Split Rail middleware connects your software to integrated card and ACH providers and AI-driven receivables workflows. APIs carry commands and data; webhooks communicate events and status updates.
Different software businesses have different payment needs. Split Rail is designed to support a range of environments and growth stages.
Flexible payment infrastructure for established platforms managing complex workflows, multiple business units, and evolving provider relationships.
Explore enterprise needs →Embed payment capabilities into vertical software and create a more cohesive experience for the businesses you serve.
Explore software partnerships →Connect payment acceptance with invoicing and receivables workflows, with support for commercial card data and bank payments.
Explore B2B payments →Purpose-built middleware capabilities for the financial workflows software companies need to support.
Initiate and manage disbursement workflows to supported recipients.
Automate invoicing and connect balances and payment information to active collection workflows.
AI communicates with customers, sends reminders, and follows up on overdue invoices.
Existing payables capabilities provide a foundation for deeper AP workflows as requirements evolve.
Integrate middleware functions directly into existing applications.
Receive events and status changes to synchronize systems and trigger actions.
Tell us about your platform, provider relationships, payout requirements, and receivables workflows. Let's explore how Split Rail middleware can fit into your software. Email us at [email protected].
Security isn’t a feature we add later — it’s how the engine was built.
Every institution’s data is separated by row-level security inside the database itself — not by application logic. A user at one institution cannot read another institution’s records. If a process loses its authorization, its queries fail closed.
Money events travel cryptographically signed, with freshness windows and replay protection. Inbound verification events are checked with constant-time signature verification before anything changes state.
Request-level idempotency means the same instruction cannot move money twice — even after a system restart.
Autonomous database health monitoring runs on a timer to identify failures promptly.
Compliance roadmap: Formal PCI DSS and SOC 2 audits are planned. Split Rail Payments does not claim certifications it has not earned.