Zūm Rails enables embedded card payments via Fiserv

By Vriti Gothi

Canada- and US-focused payments platform Zūm Rails has become an official payments facilitator through its collaboration with Fiserv, enabling businesses to embed credit card acceptance directly within their platforms across both markets.

The development allows companies using Zūm Rails to integrate customised card payment experiences into their existing digital environments, avoiding third-party hosted checkouts that can disrupt user journeys. The capability forms the final component of the firm’s broader strategy to offer a unified payments infrastructure spanning multiple rails and geographies.

Early adopters include Questrade, which is using the functionality to accept card payments for educational content, and Zolo, which is applying it to property-related transactions.

The move comes as card payments continue to dominate North American commerce, accounting for roughly 23% of transactions in the United States and 33% in Canada. However, many businesses rely on external processors that offer limited customisation and require redirect-based payment flows, factors that can increase friction and cart abandonment while adding operational costs.

By operating as a payments facilitator, Zūm Rails enables merchants to launch card acceptance through a single integration while maintaining control over the checkout design, pricing structure and reconciliation processes. The platform also provides a consolidated operational view across payment types, including ACH, Interac, EFT, real-time payment networks, and debit schemes, alongside open banking data aggregation.

“For too long, businesses have been forced to choose between rigid checkout experiences or slow custom payment builds with full control,” said Miles Schwartz, CEO of Zūm Rails. “By eliminating this trade-off, companies can now embed fully customised checkout into their platforms in days, not months, with lower costs and unified access to both US and Canadian markets.”

The initiative builds on the company’s existing embedded finance collaboration with Fiserv in the US and follows its recent partnership with Mastercard to support card issuance. Together, the capabilities position the platform to enable both payment acceptance and card issuance within a single ecosystem.