Author: Barry Gideon, Senior Director of Commercial Payments and Channel Sales
FNBO is proud to announce a strategic partnership with dhango, a payments infrastructure company that empowers companies and platforms to seamlessly embed payments. FNBO provides third-party payment processing capabilities and payments monetization strategies to fintechs, SaaS companies, ISVs and large corporations.
Together, this collaboration offers SaaS businesses a faster, more efficient path to monetizing payments, including high‑volume ACH and check processing.
The Challenge
For many SaaS platforms and marketplaces, payments represent a critical revenue stream, but implementing payment infrastructure can be complex, time‑consuming and resource intensive. Platforms often rely on one size-fits-all third‑party payment processors that impose high fees, hold funds and limit flexibility. As dhango CEO Milan Malkani explains:
"Third‑party payment providers don't consider monetizing high scale ACH because of the regulatory and risk complexity. They start putting unnecessary holds on payments or they'll put caps on payment amounts, and this ends up having a downstream impact on the merchant."
Large ACH file processing, high value transactions and the need to onboard quickly add further complexity. Building payments infrastructure from scratch can take from nine months to more than a year, consuming engineering, IT, compliance and risk resources.
How the Partnership Works
For companies that wish to achieve the benefits from operating as a third-party sender, FNBO partners with dhango.
dhango acts as middleware for SaaS companies and ISVs. Platforms integrate dhango's API layer, which handles merchant onboarding, compliance, risk controls, dashboarding and unified payment flows (cards, ACH, checks). This allows the platform to avoid the heavy lift of building payment rails.
FNBO operates as the ODFI, leveraging its processing scale and 20 years of expertise in navigating the nuances of serving third-party senders, while providing the responsiveness and that modern platforms demand.
Together, they enable:
- Rapid time‑to‑market: dhango's API layer allows platforms to launch in approximately 30 days; the full payments stack (including bank onboarding) goes live in 30 to 60 days.
- Unified payments capability: One API to run transactions across card, ACH and check channels, managed through a single dashboard and branded under the platform's name.
- Better economics and control: Platforms gain access to lower fees, benefits from processing float, funding timing control, account validation and customized limits.
- Robust risk and compliance: Built‑in merchant onboarding, KYC/AML checks, fraud mitigation and direct bank connection minimize third‑party risk.
- Scalability for high‑volume use cases: The combination is ideal for platforms handling large ACH volume or large‑ticket payments across B2B verticals.
Why FNBO and dhango?
- Operational Excellence: FNBO has been a Top 20 ACH Originator for the past 20-plus years and has extensive experience in the nuances of third-party ach processing.
- Speed and service: FNBO can complete underwriting and onboarding in six weeks for qualified SaaS platforms while larger banks may take nine months to a year.
- Responsive relationship model: FNBO is committed to customer support. A dhango team member said that "anytime I email anybody at FNBO, I get a response in the same day."
- Flexible infrastructure: FNBO brings the bank backing, risk management and payments infrastructure; and dhango brings the tech layer, so SaaS platforms can focus on their core business.
- Brand control: The platform retains the brand, contract and customer relationship. FNBO and dhango work behind the scenes.
Target Use Cases
The FNBO–dhango partnership is particularly compelling for SaaS and marketplace companies that:
- Process high‑volume ACH (e.g., $10M/month or more)
- Operate in verticals such as legal and accounting services, construction payments, senior living, education, utilities and high‑ticket subscription services
- Want to embed payments quickly and offer their customers a seamless, unified payments experience
Value Proposition: At a Glance
How It All Came Together for a Customer
A SaaS platform serving the interior design sector previously routed its payments through a generic payments processor and found that when ACH volume increased, the processor placed overly extensive holds, capped payment amounts and delayed funding, which impacted merchant cash flow and client satisfaction. By switching to dhango and FNBO:
- They completed platform integration within 35 days and went live by day 45.
- High‑volume ACH flows now flow directly via FNBO's ACH rails — with full visibility and control.
- The platform benefits from lower processing fees, interest on funds in float, fewer returns and custom‑tailored limits.
- Risk and onboarding are handled via dhango's dashboard; the platform retains the contract and brand with their merchants.
- Cash‑flow issues resolved; platform, merchants and end‑customers all benefit from the improved experience and responsiveness.
What's Next
FNBO and dhango are continuing to expand their partnership to work with more SaaS platforms to help them maximize revenue on ACH and check processing.
For more details about how your platform can leverage the FNBO–dhango payments stack, contact:
About FNBO
FNBO (First National Bank of Omaha), a subsidiary of First National of Nebraska, Inc. (FNNI), is one of the largest privately held banks in the U.S. and has been in business for more than 165 years. FNNI and its affiliates have nearly $35 billion in assets and 5,000 employees. Primary banking offices are located in Nebraska, Missouri, Kansas, Colorado, Illinois, Iowa, South Dakota, Texas and Wyoming, providing personal and business banking, mortgage, payment solutions, wealth management and more. Founded in 1857, FNBO has maintained its commitment to customers and helping build strong communities.
About dhango
Founded to make payments infrastructure easy for technology companies, dhango provides middleware that enables SaaS platforms to embed payments, control their contracts and data, and go live quickly with one API across cards, ACH and checks.
About the Author
Barry serves large Corporate Treasury Services clients with complex needs. He is a dedicated source of expertise, helping customers to navigate the continually evolving payments landscape. Barry also serves a significant portfolio of Fintech companies with payment-centric business models, capitalizing on FNBO's long-standing reputation as one of the nation's 15 largest originators of ACH transactions with significant experience in the nuances associated with third-party ODFI/ACH processing.
Products and services are provided by First National Bank of Omaha (FNBO), Member FDIC. Payment products and services are subject to bank approval and may not be available in all states or to all customer types.
Dhango is a financial technology company, NOT a bank, NOT Member FDIC Insured. Banking services, including ACH origination and check processing, are provided by First National Bank of Omaho.
All trademarks are the property of their respective owners. Timeframes, pricing, and outcomes described in this case study are based on specific customer examples and may vary.
