Powering the future of embedded finance: BMO launches North American payment APIs

Imagine managing payments without ever leaving the applications you use every day. This is now the reality with BMO’s new Payment Application Programming Interfaces (APIs), a breakthrough in our embedded finance strategy designed to transform how businesses move money. 

With BMO’s new Payment APIs, our North American commercial clients can integrate BMO’s payment capabilities directly into their enterprise resource planning (ERP) systems, treasury platforms or even customer-facing apps. The result? Real-time statuses, greater automation and a seamless experience – all without the need to switch between systems. 

This innovation isn’t just about efficiency; it’s about empowering choice and control. Developers can access the BMO Developer Portal, complete with intuitive documentation and a secure, production-grade sandbox. This means they can build, test and launch solutions confidently. BMO is enabling clients to accelerate time-to-market, and unlock new possibilities for cross-border payments. 

"This launch marks a pivotal step in our journey to modernize payments and deliver scalable, embedded finance experiences."

- Derek Vernon, Head of North American Treasury and Payment Solutions

For clients, this means simpler workflows and personalized experiences. For employees, it’s a chance to share how BMO is leading the way in digital innovation – helping businesses thrive in an increasingly connected world.

Ready to explore what’s possible? Visit the BMO Developer Portal and see how we’re shaping the future of finance.