Move Money
ACH, disbursements, direct deposit. All 50 states.
Push funds, pull funds, schedule transfers, handle payroll. One API. We sit on top of partner banks so you don't have to.
Start moving moneyCapabilities
ACH Push & Pull
Initiate credits and debits programmatically. Same-day and next-day ACH, with webhook status updates at every step.
Disbursements at Scale
Pay out to thousands of recipients in a single batch. Payroll, creator payouts, marketplace settlements. One API call.
All 50 States
Including New York and Texas. Our partner bank licenses cover the full US. No state-by-state licensing on your end.
How it works
Link a funding source
Connect your business bank account or use a Magnolia-hosted FBO account to hold funds.
Initiate transfers
One POST request per transfer. Push to external accounts, pull from verified sources, or disburse to many.
Track settlement
Webhooks fire at every state change: initiated, processing, settled, returned. No polling.
Use case
A gig-economy platform uses Magnolia to pay drivers in real time.
Each completed ride triggers an ACH push to the driver's bank account or a Lightning payment to their Bitcoin wallet.
Same API, both rails, settled by end of day.