Kinective, a provider of enterprise platforms for intelligent banking, has partnered with PayNearMe to integrate its PayXM™ Payment Experience Management platform with core banking systems through Kinective Gateway. This collaboration simplifies connectivity for fintech solutions, allowing financial institutions—particularly banks and credit unions—to deliver modern, end-to-end payment experiences across multiple channels while accelerating cash flow and improving member satisfaction.
Financial institutions increasingly seek ways to modernize payment acceptance amid growing member expectations for frictionless, multi-channel experiences. Traditional core integration challenges often delay fintech adoption and increase complexity. Kinective Gateway addresses this by providing secure, turnkey connectivity that removes barriers for solutions like PayNearMe’s PayXM™.
Kinective Gateway’s prebuilt APIs allow PayNearMe to connect PayXM™ directly to core banking systems without custom development. This enables faster rollout of modern payment capabilities to thousands of banks and credit unions, supporting accelerated cash flow, fewer exceptions, quicker reconciliation, and enhanced operational efficiency.
Through PayXM™, financial institutions gain a unified platform for accepting payments via digital wallets, cards, ACH, and in-person cash options at extensive retail networks. This broad coverage helps reduce operational burdens while delivering a consistent, member-first experience across every payment touchpoint.
“Kinective Gateway accelerates our ability to bring Payment Experience Management to thousands of financial institutions," said Bruce Gaskill, Senior Director of Integration Partnerships at PayNearMe. "With PayXM easily integrated into core banking systems, financial institutions can transform every touchpoint in the payment journey to reduce operational overhead and deliver a modern, member-first experience.”
"Our partnership with PayNearMe demonstrates how Kinective Gateway accelerates go-to-market strategies and drives innovation for fintechs by eliminating the traditional and often complex barriers to core banking integrations," said Dan Snyder, EVP of product at Kinective. “Instead of spending months, if not years, building into each core’s middleware APIs, PayNearMe can now easily connect its modern payment solutions to thousands of financial institutions.”
Fintech companies interested in seamless core banking integration to speed up their go-to-market strategy can explore Kinective’s partner resources at their website.
About Kinective
Kinective is leading the way to intelligent banking. We enable financial institutions to compete, grow and thrive in a complex and rapidly evolving business environment. Only Kinective brings together modernized operations, enterprise connectivity and data activation in a single platform to generate insights and intelligence in the moment. This enables more personalized and relevant consumer experiences, smarter business decisions and greater operational efficiencies. More than 4,000 financial institutions nationwide—nearly one in every two—trust Kinective to help them leverage intelligent banking to better serve their communities.
About PayNearMe
PayNearMe is redefining the way businesses and their customers experience payments. With PayXM™, the industry's first platform purpose-built for Payment Experience Management, every touchpoint in the payment journey becomes easy—driving customer satisfaction, accelerating payments and reducing the total cost of acceptance. The platform supports all major payment types and channels, from PayPal, Venmo, Cash App Pay, Apple Pay, Google Pay, cards and ACH to cash at more than 62,000 U.S. retail locations. Thousands of businesses across industries, including consumer lending, iGaming and online sports betting, property management and tolling, rely on PayNearMe to manage the end-to-end payment experience with a single platform and integration.
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