A payment network in its own right — alongside Visa, Mastercard, American Express, and Discover. RMO issues to its members, operates the network, and settles for merchants, entirely closed-loop. This is where you build on it or add it.
Most people meet a payment network through a card. RMO is the network behind the card. A member pays with RMO; a merchant accepts RMO; the transaction is authorized, cleared, and settled entirely on RMO’s own rails. RMO is the issuer, the network, and the acquirer at once — so there is no interchange leaving the system and no third-party scheme sitting in the middle. The same network powers RMO Debit, RMO Credit, RMOPay™, and QuickPay.
For the full infrastructure story, see Our Payments Network & Infrastructure.
Card networks come in two shapes. Visa and Mastercard are open-loop — thousands of banks issue and acquire, with the network in the middle. American Express and Discover began as closed-loop, issuing and acquiring themselves. RMO is closed-loop too — built around RMO membership and a single, modern REST API.
| Network | Model | Who issues | Who acquires |
|---|---|---|---|
| Visa | Open-loop (four-party) | Member banks | Member banks |
| Mastercard | Open-loop (four-party) | Member banks | Member banks |
| American Express | Closed-loop origins | American Express | American Express |
| Discover | Closed-loop origins | Discover | Discover |
| RMO Payments Network | Closed-loop | RMO — to its members | RMO — for its merchants |
Card authorizations approve, decline, capture, and reverse in real time with ISO-8583-style codes.
Members generate a 10-character code + 7-character PIN for in-person, no-card-present payments.
Signed HTTPS event delivery the moment an authorization approves, captures, or reverses.
Funds clear inside RMO — same-day to RMO accounts — with no interchange leaving the network.
The network is built around RMO members, giving merchants access to a defined payment audience.
A single surface at api.rmous.org — the same one this whole network is documented on.
Whether you write the integration yourself or route it through a processor, the RMO Payments Network meets you where you are.
The full RMO Payments Network REST API — the same surface that powers RMO’s own products. Build a live integration against a shared sandbox in minutes.
Offer the RMO Payments Network to your merchants beside card, ACH, wallet, and BNPL — with closed-loop economics where you set your own markup and keep all of it.
Start in the sandbox today — no contract needed to build or test. When you are ready to go live, RMO will take it from there.
