Frame Payments, Inc.
Frame Payments provides FrameOS, a unified payments operating system that integrates payment processing, compliance infrastructure, and fraud monitoring into a single platform. The system handles card and ACH payments, KYC/KYB verification, transaction monitoring, and payouts through one API, with card rates starting at 2.0% plus $0.39 per transaction. It targets AI infrastructure, usage-billed SaaS, and compliance-heavy businesses that need to manage regulatory requirements alongside money movement.
- Financial Technology
- Regulatory & Compliance Technology
- Software Only
- Artificial Intelligence
Funding
Funding not disclosed
Founders
Founder details are not available yet.
Product
Problem
High-compliance merchants must navigate a fragmented stack of payment processors, compliance tools, and fraud prevention systems, forcing them to stitch together multiple vendors and manage data across disconnected platforms. This fragmented approach creates operational complexity, increases integration burden, and makes it difficult to maintain regulatory compliance while scaling payments operations.
Solution
FrameOS provides a unified payments operating system that collapses payment processing, compliance infrastructure, and fraud monitoring into a single platform. The system integrates KYC/identity verification, transaction monitoring, AI-first underwriting, and risk management directly into the payments workflow, so merchants can operate, scale, and stay compliant from one place. FrameOS handles payments via card and ACH, automated payouts, chargeback defense, background checks, geocompliance, and identity verification across a shared account layer. Merchants get a comprehensive platform where compliance and financial services operate as the same system rather than as separate point solutions.
Target Audience
Primary customers are high-compliance merchants and platforms in regulated industries that need integrated payments, compliance, and risk management, including marketplaces, creator platforms, and financial services businesses that require KYC, background checks, and ongoing transaction monitoring.
Features
- Unified account layer combining financial services and compliance infrastructure in a single platform
- Card payments with rates starting from 2.0% + $0.39 per successful transaction, with personalized pricing based on risk profile
- Automated KYC/KYB verification with prefilled forms, identity document verification, and bank account verification via aggregators
- Sonar fraud protection and transaction monitoring powered by data across the Frame network, included at no additional cost
- Geocompliance controls that restrict or allow transactions based on real-time customer location to meet jurisdictional requirements
- 3D Secure authentication at $0.05 per attempt for verifying customer identity before online purchases
- Instant payouts via push to card or same-day ACH at 1.5% per transaction
- Sandbox access available instantly for developers, allowing them to build while the application is under review