API-first payments cash movement and reconciliation engineered for scale, with controls, auditability, and direct-to-Fed connectivity.
Two models: Holistic, where Carmel brings the bank with all-in pricing, or Managed, where you keep your bank and Carmel integrates.
Direct-to-Fed transmission on behalf of partner banks.
Remittance capture and posting that keep payments and records in step. Carmel sweeps cash to company operating accounts.
Processing coverage beyond the standard banking day.
Multi-bank routing, Federal Reserve connectivity, and reconciliation operate as a single system that keeps capital visible, controlled, and moving as directed. Every flow is reconciled, documented, and monitored.
Carmel absorbs the technical and IT burden of setup and bank connection, so oversight stays with you and the build does not.
Controlled movement of capital, visible at every step.
Payments that scale with growth, without added IT burden.
Governed payments with audit-ready records.