Your trusted payment solutions partner

SHAZAM is a member-owned financial services technology provider delivering industry-leading payments infrastructure, core banking software and tailored solutions to strengthen your payments capabilities. With an integrated technology stack and 24/7 U.S.-based support, we help community banks, credit unions and businesses streamline operations and unlock new opportunities.

Powering how money moves
across every industry

Banks & Credit Unions
Fintechs
Insurance
Healthcare
Merchants
Banks & Credit Unions

More than 50 years ago, SHAZAM helped launch the nation’s first shared electronic funds transfer (EFT) network. Today, we help community financial institutions like yours stay competitive with secure banking software, real-time payments technology and flexible solutions built to help you adapt, grow and serve your accountholders with confidence.

Fintechs

Built on a legacy of innovation, SHAZAM delivers tailored payment solutions designed to bring your vision to life. Our financial services technology powers scalable payments infrastructure with secure real-time rails, adaptable APIs and flexible software integrations — so you can launch faster and deliver seamless payment experiences.

Insurance

If you're ready to modernize insurance payouts, SHAZAM can help. Our platform combines a reliable payments gateway with a secure processing engine that supports real-time authorization and faster disbursements — all backed by built-in compliance capabilities that enhance transparency, minimize risk and boost policyholder satisfaction.

Healthcare

Simplifying healthcare payments starts with having the right partner. SHAZAM provides payment solutions and financial services technology backed by secure, reliable infrastructure. With real-time authorization and flexible integrations, you can manage payments efficiently while protecting sensitive data and improving patient experiences.

Merchants

With one of the longest-standing independent debit networks in the U.S., SHAZAM gives merchants greater routing choice and freedom. Our secure processing and flexible routing options help reduce payment acceptance costs, streamline checkout and give you more control over how transactions move through your network.

Flexible financial services technology & payment

solutions

With SHAZAM, you choose the financial services technology that works best for you. Our banking software and payment solutions are designed to integrate with your existing infrastructure — so you can choose the products and services that fit your needs, strengthen your capabilities and support your growth.

Payments processing

Power real-time payments with Peregrine™ processing solutions. A gateway that connects you directly to major card networks and a processing engine that evaluates and approves transactions in seconds, featuring built-in compliance and fraud defenses to keep payments secure and dependable.

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Payments network

As one of the largest unaffiliated debit networks in the country, SHAZAM’s payments network pairs seamlessly with networks like Visa® and Mastercard®, allowing financial institutions and merchants flexibility to optimize network combinations and routing while maximizing interchange income.

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Digital banking

DigiHive™ digital banking connects consumers to the online and mobile banking features they expect with a modern banking experience. Our user-friendly application provides intuitive technology aligned with your brand to deliver a trusted, positive customer experience.

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Core banking

With KinetiCore™ banking solutions, your community bank gains user-friendly, highly customizable core software that scales to fit your business needs. Open APIs connect seamlessly with third-party vendors, while supporting efficiency and growth.

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Information management

DocuCommand® brings all your critical documents together in a single, secure platform purpose-built for financial institutions. Equipped with customizable access controls, digital archiving features and automated secondary server backup, your files stay organized, safe and audit-ready.

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Security & compliance

Industry experience positions us as leaders in payments cybersecurity and compliance. SHAZAMSecure® administers risk and regulatory audits and cybersecurity vulnerability assessments to enhance infrastructure and provide security best practices and crisis management strategies.

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They come for the payment solutions but stay for the partnership

You may choose SHAZAM for our smart, secure payment solutions and innovative financial services technology, but you’ll quickly notice something more. You’re treated like a partner, not a number — heard, supported and championed by people who want your institution to thrive. SHAZAM brings fresh ideas, genuine collaboration and a rare level of trust. Soon, it’s the relationship — the advocacy and confidence that someone is in your corner — that becomes the reason you stay.

What our clients are saying

Advocacy
Partnership
Support
Innovation

“SHAZAM has always been at the forefront of ensuring community financial institutions remain a relevant part of the payments ecosystem. This is important as legislation is considered, disruptors enter the marketplace and new operating rules are drafted. SHAZAM’s commitment to being at the table ensures institutions of all sizes have their voices heard.”

Todd Link, Chief Risk Officer
Dupaco Community Credit Union — Dubuque, IA

“SHAZAM is a special service provider in that they feel more like a business partner. While other vendors are removed from day-to-day operations, the SHAZAM team is consistently involved and available to us. Many providers say they’re a partner, but SHAZAM truly lives up to who they say they are.”

Lorie Hamlin, EVP & Chief Operations Officer
Century Next Bank — Ruston, LA

“It’s clear that SHAZAM cares about their clients – we’re treated with such respect and kindness. Our client executive stops by our branch in person on a regular basis to offer support. Companies just don’t take the time to do that anymore.”

Connie Garbers, Director, Compliance & Operations
Firefighters Credit Union — Onalaska, WI

“We're always looking to provide cutting-edge solutions for our business clients. Working with SHAZAM, our needs and wants have been heard. Our relationship continues to evolve, and being able to provide faster payments capabilities shows our clients we're focused on the future. ”

Michael Bilski, Chief Executive Officer
North American Banking Company — Roseville, MN

Our mission is simple: we're committed to strengthening financial institutions. And we can’t do it without people who bring passion and originality to their work. At SHAZAM, you’ll find a supportive culture, meaningful challenges and a career path that celebrates what makes you, you.

The SHAZAM difference
The SHAZAM difference

Small company. Big impact. Real purpose.

At SHAZAM, you’ll find a place where your ideas are heard, your contributions matter and your work strengthens the financial institutions that support communities across the country. We’re a small company that does big things — and we do them with collaboration, curiosity and a shared commitment to making a meaningful difference.

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Innovation & expertise driving the payments industry forward

SHAZAM has been in the payment solutions game longer than most, and that experience fuels the fresh ideas and practical insights. For quick, relevant updates on the trends and issues shaping the industry, our news and blog articles are an easy way to stay informed.

Company News
SHAZAM launches real-time debit card bill-pay solution

The Peregrine™ gateway adds real‑time debit card bill pay, streamlining collections and providing immediate access to funds.

Posted on Wednesday, June 03, 2026
Blog
Quantum computing: Are financial institutions ready?

Quantum computing is reshaping cybersecurity — learn to manage risk and prepare for post-quantum encryption.

Posted on Thursday, March 12, 2026
Blog
How digital banking enhances accountholder loyalty

Community financial institutions build loyalty when personal service meets digital banking. DigiHive™ makes it seamless.

Posted on Wednesday, February 18, 2026
Company News
SHAZAM celebrates 50 years of innovation in 2026

Since 1976, SHAZAM has driven payments innovation while serving community banks and credit unions nationwide.

Posted on Tuesday, January 27, 2026
Blog
SHAZAM's membership difference

SHAZAM is the nation’s only independent, member-owned debit network, processor and core provider — here’s why that matters.

Posted on Tuesday, January 27, 2026
Blog
How fintechs can use FTC payments to boost satisfaction

Fintechs can post funds instantly using several methods, but only funds transfer credit reaches nearly all debit cardholders.

Posted on Monday, January 19, 2026