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Newline by Fifth Third
What Newline by Fifth Third is
Newline by Fifth Third is an API-first platform for businesses building payment and deposit services into their own products. It connects those services with Fifth Third Bank and supports ACH payments for collecting or sending funds, wires, book transfers and instant payments through the RTP network. FedNow is listed as coming soon. Card programs include commercial credit and prepaid debit in virtual and physical formats. Account options include custodial accounts and virtual reference numbers, with pass-through FDIC insurance when qualifying conditions are met. The platform also lists real-time transaction reporting and embedded risk solutions; virtual accounts on the Newline Ledger are coming soon. Newline's REST-organized API accepts form-encoded or JSON-encoded requests and returns JSON responses. Developer resources include guides, recipes, API reference, changelog, onboarding materials and an interactive sandbox. Sandbox transfers are simulated and do not move real money, and the sandbox lacks some production features. Newline describes its solutions as customizable, allowing customers to select the components they need. It is a division of Fifth Third Bank, National Association, Member FDIC. Credit products require credit approval and mutually acceptable documentation; Fifth Third Bank offers the deposit and credit products.
Who it suits
Newline identifies payment processors, fintech companies, payroll and HR software providers, and accounts payable and receivable platforms as customer groups. It suits teams building embedded payment, card or deposit capabilities and able to work through an API integration.
What it does well
- Supports ACH, wires, book transfers and RTP instant payments.
- Offers commercial credit and prepaid debit card programs.
- Provides custodial accounts and virtual reference numbers.
- API documentation includes guides, recipes and a sandbox.
- Solutions can be customized to selected needs.
What to know first
- Pricing is available on request.
- FedNow and virtual accounts are listed as coming soon.
- Sandbox transfers are simulations, not real-money transfers.
- Credit products require approval and mutually acceptable documentation.
Limits
The interactive sandbox omits some production features, and its simulated transfers do not move real money. Virtual accounts and FedNow are listed as coming soon.
Getting started
- Visit the Newline website.
- Review the API guides, recipes and reference documentation.
- Use the interactive sandbox to explore API workflows.
- Contact Newline's sales or partnership team about pricing and integration.
- Plan for development through launch with Newline's support team.
Verdict
Consider Newline if your business is embedding payment or deposit services and needs Fifth Third Bank-backed capabilities through an API. Its range of payment, account and card options is a key reason to consider it. Teams should account for the on-request pricing and the sandbox's production limitations; virtual accounts and FedNow are not yet available.
Questions
How much does Newline cost?
Pricing is on request. Prospective customers are directed to contact Newline.
Which payment types does it support?
It supports ACH, wires, book transfers and instant payments over the RTP network. FedNow is listed as coming soon.
What account and card options are available?
Account options include custodial accounts and virtual reference numbers. Card programs include commercial credit and prepaid debit in virtual and physical formats.
Does Newline have a sandbox?
Yes. It is interactive, but some production features are absent and simulated transfers do not move real money.
Who offers the deposit and credit products?
They are offered by Fifth Third Bank. Credit products are subject to credit approval and mutually acceptable documentation.
Who is Newline for?
Its listed customer groups include payment processors, fintech companies, payroll and HR software providers, and accounts payable and receivable platforms.
Facts from Newline by Fifth Third's own pages
- Accounts
- The platform supports virtual reference numbers, custodial accounts and other account solutions for different funds flows. · newline53.com, 9 Oct 2026
- ACH
- The platform can originate ACH payments to collect and send funds. · newline53.com, 10 Oct 2026
- API
- The Newline API is REST-organized and accepts form-encoded or JSON-encoded request bodies, returning JSON-encoded responses. · developers.newline53.com, 10 Oct 2026
- API documentation
- Developer documentation includes guides, recipes, API reference, a changelog, onboarding resources and a sandbox. · developers.newline53.com, 9 Oct 2026
- Bank relationship
- Newline is a division of Fifth Third Bank, National Association, Member FDIC. · newline53.com, 10 Oct 2026
- Cards
- Newline offers issuing and acquiring sponsorship, plus virtual and physical cards for enterprise businesses. · newline53.com, 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. · newline53.com, 10 Oct 2026
- Compliance
- The platform describes its compliance as built-in bank-grade oversight. · newline53.com, 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. · newline53.com, 10 Oct 2026
- Customization
- Newline describes its solutions as customizable so customers can use only what they need. · newline53.com, 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. · newline53.com, 10 Oct 2026
- Founded
- 2023 · newline53.com, 28 Sept 2026
- Payments
- Its payment rails include ACH, wire, book transfer, and RTP instant payments; FedNow is listed as coming soon. · newline53.com, 10 Oct 2026
- Pricing
- The opened maker pages direct prospective customers to contact Newline and do not state a price. · newline53.com, 9 Oct 2026
- Product
- Newline is an API-first platform for launching embedded payment and deposit solutions directly with Fifth Third Bank. · newline53.com, 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. · newline53.com, 9 Oct 2026
- Purpose
- Newline is an API-first platform for launching embedded payment and deposit solutions with Fifth Third Bank. · newline53.com, 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. · developers.newline53.com, 10 Oct 2026
- Support
- The developer documentation directs clients to its Sales and Partnership team or their Newline Specialist for implementation and API questions. · developers.newline53.com, 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. · newline53.com, 9 Oct 2026
- Wires
- The platform supports secure, immediate high-value wire transfers. · newline53.com, 10 Oct 2026
Where Newline by Fifth Third stands on Freedom251
- Banking-as-a-Service Platforms#27 of 31