Newline by Fifth Third
Newline by Fifth Third is an API-first platform for businesses building payment and deposit services with Fifth Third Bank.
What Newline by Fifth Third is
Newline by Fifth Third is an API-first platform for businesses building payment and deposit services with Fifth Third Bank. It supports ACH collections and payouts, wires, book transfers, and instant payments over the RTP network; FedNow is listed as coming soon. Businesses can also offer commercial credit and prepaid debit cards in virtual or physical form. Account options include custodial accounts and virtual reference numbers, with pass-through FDIC insurance available when qualifying conditions are met. The platform also lists real-time transaction reporting and embedded risk solutions. Virtual accounts—sub-accounts on the Newline Ledger for depositing, holding, and sending funds—are coming soon. Developer materials include guides, recipes, an API reference, changelog, onboarding resources, and an interactive sandbox. The REST-organized API accepts form-encoded or JSON request bodies and returns JSON. The sandbox lacks some production features, and simulated transfers do not move real money. Newline is a division of Fifth Third Bank, National Association, Member FDIC. Pricing is available on request.
Good
- Supports ACH, wires, book transfers, and RTP instant payments.
- Offers commercial credit and prepaid debit card programs.
- Includes API guides, onboarding resources, and an interactive sandbox.
- Offers custodial accounts and virtual reference numbers.
Watch out
- FedNow and virtual accounts are listed as coming soon.
- Sandbox transfers do not move real money.
- Pricing is available on request.
- Credit products require approval and mutually acceptable documentation.
Who it suits
It is aimed at payment processors, fintech companies, payroll and HR software providers, and accounts payable and receivable platforms. Its customizable payment and account components may suit businesses embedding financial services in their products.
Verdict
Newline brings payment, card, and deposit options together behind an API for businesses building embedded financial services. Prospective customers should account for the sandbox's production limitations and request pricing directly.
The facts
Each one read from Newline by Fifth Third's own pages, with the date it was checked.
What it does
- Accounts
- The platform supports virtual reference numbers, custodial accounts and other account solutions for different funds flows.checked 9 Oct 2026
- ACH
- The platform can originate ACH payments to collect and send funds.checked 10 Oct 2026
- API
- The Newline API is REST-organized and accepts form-encoded or JSON-encoded request bodies, returning JSON-encoded responses.checked 10 Oct 2026
- API documentation
- Developer documentation includes guides, recipes, API reference, a changelog, onboarding resources and a sandbox.checked 9 Oct 2026
- Bank relationship
- Newline is a division of Fifth Third Bank, National Association, Member FDIC.checked 10 Oct 2026
- Cards
- Newline offers issuing and acquiring sponsorship, plus virtual and physical cards for enterprise businesses.checked 10 Oct 2026
- Coming soon
- Virtual accounts are listed as coming soon and described as virtual sub-accounts on the Newline Ledger for depositing, storing, and sending funds.checked 10 Oct 2026
- Compliance
- The platform describes its compliance as built-in bank-grade oversight.checked 10 Oct 2026
- Customers
- The maker identifies payment processors, fintech companies, payroll and HR software providers, and accounts payable and receivable platforms as client industries.checked 10 Oct 2026
- Customization
- Newline describes its solutions as customizable so customers can use only what they need.checked 9 Oct 2026
- Deposit accounts
- Account offerings include custodial accounts, virtual reference numbers, pass-through FDIC insurance when qualifying conditions are met, real-time transaction reporting, and embedded risk solutions.checked 10 Oct 2026
- Payments
- Its payment rails include ACH, wire, book transfer, and RTP instant payments; FedNow is listed as coming soon.checked 10 Oct 2026
- Pricing
- The opened maker pages direct prospective customers to contact Newline and do not state a price.checked 9 Oct 2026
- Product
- Newline is an API-first platform for launching embedded payment and deposit solutions directly with Fifth Third Bank.checked 9 Oct 2026
- Product conditions
- The maker states that credit products are subject to credit approval and mutually acceptable documentation, and that deposit and credit products are offered by Fifth Third Bank.checked 9 Oct 2026
- Purpose
- Newline is an API-first platform for launching embedded payment and deposit solutions with Fifth Third Bank.checked 10 Oct 2026
- Sandbox
- Newline provides an interactive sandbox, but its documentation says it lacks some production features and simulated transfers do not move real money.checked 10 Oct 2026
- Support
- The developer documentation directs clients to its Sales and Partnership team or their Newline Specialist for implementation and API questions.checked 10 Oct 2026
- Target customers
- Newline identifies payment processors, fintech companies, payroll and HR software providers, and accounts payable and receivable platforms as customer groups.checked 9 Oct 2026
- Wires
- The platform supports secure, immediate high-value wire transfers.checked 10 Oct 2026
The company
- Founded
- 2023checked 28 Sep 2026
Alternatives to Newline by Fifth Third
- 1
Stripe Treasury
Free planAndroidiOSWebAPI7.9$0.50 one-time - 2
Swan Cards
Free planAndroidiOSWebAPI7.9From €900 a month - 3
Modulr
AndroidiOSWebAPI7.2From £16.25 a month - 4
Mbanq Cloud
AndroidiOSWebAPI6.9 - 5
Railsr
Free planWebAPI6.8Free plan - 6
Rapyd
AndroidiOSWebAPI6.8From $99 a month