BaaS done better
Portage IQ offers the perfect combination of advanced self-service BaaS tools along with the people and relationships you need.
We provide expertise in compliance and regulations and give you the ability to simplify payments and reduce fees with our API-powered payment solution.
Unlock direct access to the Federal Reserve
Eliminate the middleman. Stop struggling with payment delays, high fees, and complex compliance requirements. Our payment platform gives you direct access to the Federal Reserve.
Whether you’re a fintech looking for faster payment processing, or a business aiming to cut out costly processors, our API helps you resolve payments efficiently, securely, and cost-effectively.
Finally have the control you need
Fintechs
Are third-party processors eating into your profits? We help you directly handle ACH, wire transfers, and FedNow transactions—no intermediaries, no padding.
Plus, real-time monitoring and advanced security, means you can offer your users the speed and transparency they demand, all while maintaining full control over your financial processes.
Payment processors
Tired of juggling multiple banking APIs? Our unified API simplifies payment management, allowing you to handle customers, accounts, and transactions from one central platform.
Integrate quickly, and scale without the headache of managing numerous services. Our streamlined onboarding process also helps prevent unnecessary delays.
Businesses needing more control
Are bank fees cutting into your margins? Partnering with us will help you eliminate hidden costs and enjoy direct payment resolution with the Federal Reserve.
Our all-in-one solution helps you stay compliant with minimal effort, freeing up your team to focus on what matters most—growing your business.
Custom solutions for your success
We understand that no two businesses are alike. That’s why we offer solutions tailored to fit your specific needs, whether you're a fintech seeking scalability or a business looking to simplify your financial operations.
Core features
Programmatic payment management
Handle all your payments—ACH, wire transfers, checks, and FedNow—through a single API. No more switching between multiple services. One platform, one solution for all your transaction needs.
Real-time transaction monitoring
Know what’s happening with your payments, in real time. Track every transaction as it happens, giving you transparency and the ability to quickly resolve issues. You’ll never be left guessing where your money is.
Security you can trust
Advanced encryption and fraud detection protect your business at every step. We prioritize the safety of your data and transactions, giving you peace of mind while handling sensitive information.
Digital onboarding
Quickly and easily onboard new customers. This process also includes identity verification, document collection, and regulatory compliance checks.
Here's the process
01
Complete the Discovery Form
Tell us about your business and payment needs.
02
Speak with our experts
We’ll set up a consultation to discuss how our API solution can integrate with your operations.
03
Get up and running
Once you’re ready, our seamless onboarding process ensures you’re operational without delay.
Benefits of choosing Portage
Options
Self-service, high-touch, or both, we provide the right support for your specific needs.
Expertise
Our regulatory and software experts deliver advanced software and specialized consulting to optimize your financial operations.
Ease
Manage everything online while keeping your business and clients at the forefront. Simple implementation, maximum efficiency.
Relationships
We’re here to build a lasting partnership and find the best way to help you do business your way.