# insimbi

insimbi is payment orchestration for US enterprise merchants: route across processors and networks, set payout timing, itemize every fee and own your data.

Built for: Payments & finance leaders (/pricing/#finance); Engineering & platform leads (/developers/#platform); Operations leads (/product/#operations)

## Your payments operation. Your controls.

insimbi gives enterprise merchants direct control of routing across processors and networks, payouts, pricing and data. Nothing is hidden in the middle.

## The US card market

Market figures for the segment, not insimbi's own numbers.

- **$11.903 trillion** spent with US-issued credit, debit and prepaid cards in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html)
- **$187.20 billion** in processing fees paid by US merchants to accept card payments in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html)
- **$1.57** in fees for every $100 in card payments merchants accepted in 2024. Source: [The Nilson Report, March 2025](https://www.globenewswire.com/news-release/2025/03/19/3045828/0/en/merchant-processing-fees-in-the-united-states-exceeded-187-billion-in-2024.html)
- **$34.12 billion** in interchange fees across all US debit and general-use prepaid card transactions in 2023. Source: [Federal Reserve Board, Regulation II data, 2023](https://www.federalreserve.gov/paymentsystems/2023-interchange-fee.htm)

## Most merchants are passengers in their own payments stack.

Blended fees. Holds you didn't choose. Routing you can't see. That isn't a partnership; it's a dependency. insimbi pulls every decision apart and hands it back to you.

## Four controls. All yours.

Flip a control and watch the simulated payments change.

- **Route**: Send each transaction where you decide.
- **Pay out**: Settle on your schedule.
- **Price**: Every fee shown, itemized.
- **Own**: Export all your data, any time.

| line | amount |
|---|---|
| authorization | gross amount |
| network fee | at cost, itemized |
| insimbi fee | our fee, itemized |
| settled to you | net, on your schedule |

## Built for you, and for your agents.

Every page here has a markdown twin. Agents can read /llms.txt, follow /agents.md and act through the API, using the same controls you have.

## Move at your pace. Roll back any time.

Connect, mirror, move. Shift traffic by rule, not by leap of faith.

## Iron-grade, by design.

Enterprise procurement will ask. Certifications, audit reports and uptime commitments appear here only once they are real and audited.

| item | status |
|---|---|
| PCI DSS | published once audited |
| SOC 2 | published once audited |
| Uptime SLA | published once contracted |
| Trust documents | on request |

## Close the loop.

A payment completes only when every party holds. Run yours; don't rent it.

## Umuntu ngumuntu ngaBantu.

A person is a person through other people. That is how we build payments: a loop that closes only when every party holds, and a merchant who gets stronger through its network, not more dependent on a middleman. insimbi is isiZulu for iron. Our ring is rendered as iridium, the most corrosion-resistant metal known. We picked the material on purpose. Payments should not corrode.

Iridium is one of the rarest elements on Earth, a platinum-group metal, and South Africa is both its largest producer and its largest reserve holder. Source: [Royal Society of Chemistry, Periodic Table: Iridium](https://periodic-table.rsc.org/element/77/iridium)

Ask insimbi: open the command bar with ⌘K / Ctrl+K.