Payment acceptance and financial services platform Stripe has agreed to acquire payment orchestration startup Orum for an undisclosed amount. The company’s payment API orchestrates instant payouts, using AI to predict the availability of funds within an account and pre-authorize transactions. In addition to its payment orchestration tools, Orum also verifies bank accounts and delivers payments 24/7 with its Direct to Fed solution that’s built on a connection to the US Federal Reserve’s payment rails as a service provider. CEO Stephany Kirkpatrick said that combining with Stripe offers a “rare” opportunity to help Orum accelerate its mission to power a better financial system where everyone has the opportunity to build their potential. For Stripe, which processed more than $1.4 trillion in total payment volume in 2024, the Orum purchase is just the latest in a string of acquisitions.