$9.1M
+$9.1M this year1 filing since 2026 · latest Equity filed
Payload is a Cincinnati-based payments infrastructure company that lets software platforms and businesses move money programmatically. Its API-driven platform covers payment acceptance across channels, ACH and instant bank transfers, card processing, KYC-verified onboarding of sub-merchants, configurable billing, embedded banking with synthetic accounts, and invoicing with recurring payments. It was founded in 2019 by Ryan Rybolt and Ian Halpern, who previously built and exited Infintech and PlacePay, and it has partnered with J.P. Morgan on a payment solution. The company concentrates on verticals with complex funds flows such as real estate, legal, and professional services.
What sets it apart
It goes beyond a card-in, card-out payments API by combining ACH automation, KYC-verified sub-merchant onboarding, and embedded banking accounts in one platform, so software vendors can model complex funds flows without stitching together separate processors and banking partners.
A developer-facing payments and funds-flow platform that software companies and businesses embed to accept, route, and disburse money.
