dhango

Embedded Payments

Payments middleware for SaaS platforms to embed cards, ACH, and check processing via a single white-label API.

Overview

dhango is a payments infrastructure middleware company headquartered in Austin, Texas. It enables software platforms — including SaaS companies, ISVs, and online marketplaces — to embed card, ACH, and paper check processing under their own brand through a single REST API integration. The platform sits as an orchestration layer between the software platform and one or more underlying payment processors (including Stripe, Adyen, FNBO, and legacy gateways), abstracting away the complexity of multi-processor management. The platform handles the full payments stack: white-labeled merchant onboarding, KYC/AML compliance, risk controls, a centralized payment method token store (processor-agnostic), dispute management, and a merchant-facing self-service dashboard — all branded under the platform's identity. A key differentiator is dhango's support for NACHA Third Party Sender (TPS) registration, enabling high-volume ACH origination with lower fees and greater funding-timing control. Through its partnership with FNBO (First National Bank of Omaha) as the Originating Depository Financial Institution (ODFI), platforms can process significant ACH volume and monetize float on funds held in transit. dhango markets a launch timeline of approximately 30–60 days from contract to production. dhango targets vertical SaaS platforms and marketplaces that process high-value or high-volume B2B payments — particularly in verticals such as professional services (interior design, legal, accounting), construction payments, senior living, education, and utilities — where ACH and check volume is substantial and payment economics matter. Its primary value proposition is giving platforms full control over their payment revenue, contracts, and data without long-term vendor lock-in or revenue-sharing arrangements.

Key features

• Multi-processor orchestration via single API
• NACHA Third Party Sender (TPS) ACH support
• White-labeled merchant onboarding + dashboard
• Centralized processor-agnostic token vault
• Paper check processing alongside cards/ACH
• Float monetization and funding timing control

Vertical focus

saas, b2b, construction, healthcare, professional_services

Notable customers

Studio Designer, FNBO (strategic bank partner)

At a glance

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