Zum features
Zum features
Zum features
Zum features
Credit Card Processor
US & Canada
Credit Card Processor
US & Canada
Zūm gives you the speed, control, and infrastructure of a fully licensed Payment Facilitator—without the headaches of legacy processors.
Zūm gives you the speed, control, and infrastructure of a fully licensed Payment Facilitator—without the headaches of legacy processors.
Zum OS All In One Platform
Zum OS All In One Platform
You can pick and choose the features you need — or get everything bundled in one seamless solution.
You can pick and choose the features you need — or get everything bundled in one seamless solution.
Instant Merchant Onboarding
Onboard merchants in minutes with automated KYC, AML & underwriting.
Direct Card Network Access
Process payments without intermediaries for faster funding and greater control.
Built-In Risk Management
Prevent fraud and reduce chargebacks with real-time monitoring and alerts.
Unified Reporting & Reconciliation
Get a complete view of every transaction and payout in one dashboard.
Smart routing and revenue recovery
Smart routing and revenue recovery
Full PayFac for Credit Cards
Full PayFac for Credit Cards
Full PayFac for Credit Cards
Zūm OS bundles underwriting, processing, and settlement into one seamless platform. From instant merchant onboarding to real-time payouts, everything you need to launch and scale is built in.
Zūm OS bundles underwriting, processing, and settlement into one seamless platform. From instant merchant onboarding to real-time payouts, everything you need to launch and scale is built in.
Zūm OS bundles underwriting, processing, and settlement into one seamless platform. From instant merchant onboarding to real-time payouts, everything you need to launch and scale is built in.


Zum new prepaid cards is now here!
Zum new prepaid cards is now here!
Zum new prepaid cards is now here!
Add your card to your digital wallet and start using tap to pay!
Add your card to your digital wallet and start using tap to pay!
Add your card to your digital wallet and start using tap to pay!














Card Issuance
Prepaid and secured credit card programs fully managed by Zūm - no bank involved.
Card Issuance
Prepaid and secured credit card programs fully managed by Zūm - no bank involved.



The future of payments isn’t stitched together. It’s built from the ground up — and we’re building it.
Copyright Zumrails. All right reserved.
The future of payments isn’t stitched together. It’s built from the ground up — and we’re building it.
Copyright Zumrails. All right reserved.
The future of payments isn’t stitched together. It’s built from the ground up — and we’re building it.
Copyright Zumrails. All right reserved.