SynergyPayments
One bank rail for the whole platform.
One shared service that links real bank accounts, feeds balances and transactions to every Synergy app that needs them, and collects exact payment amounts straight from the bank. The bank connection was built once — the whole platform rides on it.
Connect the bank once. Let every product use it.
Every product that touches money eventually needs the same three things: link a bank account, read what's in it, and move an exact amount. Most companies rebuild that plumbing for every app. Synergy built it once, as a shared service.
🔗Link
Your bank connects through Stripe, in the bank's own secure login window — your credentials never touch us. Synergy only ever holds a reference to the account, never the keys to it.
📖Read
Balances and transactions for any linked account, served to any approved Synergy app — amounts and dates cleaned up and tagged so the same transaction never lands in the books twice.
💸Charge
Pull the exact amount owed by bank transfer from a linked, verified account — with the customer's permission captured when they connected. Recurring monthly billing too. A charge can never accidentally run twice.
Three products, one integration
The proof of a shared service is what's already running on it. Three very different products use SynergyPayments today, and none of them holds bank access of its own:
- SynergyBooks bank feed — the accounting platform's live bank connection comes entirely from this service: link the account, sync, transactions into the review queue, balances on the Banking page
- The sales cycle — when a contract is signed, the exact contract amount is collected by bank transfer through this service, including recurring monthly subscriptions with a setup fee on the first invoice
- The platform's cash monitor — the AI that watches company health reads real balances here, so "how much cash do we actually have" is answered from the bank, not a stale spreadsheet
Adding a fourth product is a matter of granting a key — not a months-long banking project.
By the numbers
Designed to hold as little as possible
The safest secret is the one you never receive. SynergyPayments is deliberately shaped so the sensitive material stays with the bank and with Stripe.
🏦Credentials stay at the bank
Account linking happens through the bank's own secure login. Synergy sees a reference to the account — never a username or password.
🎟️Approved apps only
Every request needs its own key — only apps that have been explicitly approved can use the service, not anything that can reach the network.
♻️No double charges
Every charge carries a one-time fingerprint, so a retry can never take a customer's money twice. Exact amounts, recorded permissions, a full trail of every attempt.
Live means live. The service runs on real money in production — real accounts, real balances, real bank transfers — with the charging machinery proven end-to-end before the switch was flipped.
FastAPIStripe Financial ConnectionsACH bank transfersRecurring billingDocker Compose