Knot - The Merchant Connectivity Platform

Major financial institutions and startups embed Knot’s CardSwitcher™ to become top-of-wallet and more #KnotAProblem

[Knot - The Merchant Connectivity Platform @KnotAPIs]

Excited to announce that @KnotAPIs is now collaborating with @PayPal.

With Knot’s CardSwitcher™, PayPal users will soon be able to seamlessly add their PayPal branded cards as a payment method across their favorite merchants—making paying with PayPal easier.

From day one, Knot has been building the merchant connectivity layer, removing friction from payments. Everyone wins. Consumers get access to fast, efficient checkouts and merchants can see higher conversion rates with fewer abandoned carts.

Excited to team up with PayPal to bring even more innovation to digital payments. More Knot updates coming soon!

[Rory O'Reilly @RoryOReilly]

We're excited to announce that @sezzleinc is now live with @KnotAPIs.

Starting today, Sezzle shoppers can instantly set the Sezzle Card as their preferred payment method across Amazon, Apple, Walmart, Uber, DoorDash, and hundreds of other merchants, directly from within the Sezzle app using Knot's CardSwitcher™.

What excites me most is what comes next:

The future of finance is helping consumers manage, optimize, and automate their financial lives. Merchant connectivity is the infrastructure that enables transaction intelligence, subscription management, personalized experiences, and agentic commerce.

The institutions building these capabilities today will define the next generation of consumer finance. Sezzle is building for where consumer finance is going, and we're thrilled to be building alongside them.

This is just the beginning.

[Rory O'Reilly @RoryOReilly]

We’re excited to announce that @KnotAPIs is now available within @Q2_Software.

For years, credit unions and community banks have faced the same challenge: delivering the modern experiences customers expect without the engineering resources of the largest institutions. That gap has made it increasingly difficult to compete for top-of-wallet.

Today, that changes.

The 1,000+ credit unions and community banks running on Q2 can now enable Knot’s CardSwitcher™ with just a few clicks. Cardholders can seamlessly set their card as the default payment method across Amazon, Netflix, DoorDash, Uber, and many of the merchants that drive recurring and everyday spend.

Huge thank you to the team at Q2 for partnering with us. We believe the future of banking belongs to the institutions that make it effortless for customers to choose them, and we’re proud to help bring those capabilities to financial institutions of every size.

[Rory O'Reilly @RoryOReilly]

Thrilled and honored to be interviewed by @mikulaja for Fintech Business Weekly's podcast.

Dive into @KnotAPIs journey and hear our story, including dropping out of Harvard with @kieransoreilly, how Knot started, how we defined the merchant connectivity category, and how we're expanding internationally.

Link to the podcast is in thread 👇

[Rory O'Reilly @RoryOReilly]

The other day, we received a crossword puzzle application at Knot.

A bunch of the answers were “Knot” references/puns, and the final clue was: “Who will be Knot’s next PM?”

The answer was the candidate’s own name.

He’s actually a strong applicant. Harvard grad, great strategy experience at a massive bank, clearly thoughtful and creative.

I figured I’d share because it genuinely stood out in a sea of applications.

If you're looking for a sharp PM/Ops/CoS candidate, I'm happy to make an introduction.

[Jason Mikula @mikulaja]

🔥🔥🔥

[Biz Stone @biz]

Congratulations @RoryOReilly and team for this milestone! And now Knot is working with most major fintechs—PayPal, Venmo, Chime, Klarna, OnePay, Bilt, etc.

[Rory O'Reilly @RoryOReilly]

We’re excited to announce that @KnotAPIs is now live with @CashApp.

The Cash App Card is one of the largest debit card programs in the United States. With Knot's CardSwitcher™, Cash App cardholders can instantly add their card across the merchants they use most, including Amazon, Apple, Walmart, Uber, and 100+ more, without ever leaving the app.

Cash App has always focused on creating intuitive financial experiences. Knot builds on that by driving activation and spend for Cash App, reducing churn and abandoned carts for merchants, and giving users a frictionless way to use their Cash App Card.

We’re proud to power an even more seamless Cash App Card experience and excited for what’s ahead. More to come.

[Stripe @stripe]

@eneakll @link @KnotAPIs 🍵

[Jeff Weinstein @jeff_weinstein]

🤖🍵💸

[Knot - The Merchant Connectivity Platform @KnotAPIs]

@alexisohanian They can use Knot to know what you bought as well :)

[Enea @eneakll]

Connected the @link CLI with @KnotAPIs to buy matcha for our office in NYC

[Enea @eneakll]

Good week for CLI posts, so here’s a short blog on what we’ve been using at @KnotAPIs for months now and what’s working for us

https://t.co/MmcVtdqzhS

[Rory O'Reilly @RoryOReilly]

I’m excited to have guest written an essay in this week's Fintech Biz Weekly by @mikulaja on what I believe is the next major layer in payments.

Sharing an excerpt below👇 - full essay, along with Jason’s latest work, is in the comments:

Payments has had two great infrastructure eras.

The first was the network era. American Express was founded in 1850. Visa traces its roots to BankAmericard in 1958. Mastercard began as the Interbank Card Association in 1966. Over decades, these companies built the rails that move money between banks, merchants, and consumers.

The second was the bank connectivity era. Finicity, a Mastercard Company and Yodlee were both founded in 1999. MX came in 2010. Plaid followed in 2013. That generation made bank accounts readable, programmable, and usable inside modern software. Without that layer, most fintech apps would still be asking users to confirm micro deposits, or manually prove their financial lives.

Those two layers are now obvious. They have standards, incumbents, regulators, public companies, major exits, and strategic importance across the entire financial system.

But the next layer is already taking shape, despite being under-discussed: the layer where the consumer–merchant relationship actually lives.

It sits between consumers and the merchants they interact with every day. Not just when they pay, but when they buy, return, update credentials, subscribe, cancel, reorder, redeem rewards, track deliveries, manage travel, change preferences, and maintain the digital relationships that increasingly define modern commerce.

I call it the merchant connectivity layer.

[eric @defyneric]

i know of a niche infra tool that plugs into card neobanks and connects to users’ external bank accounts via Plaid

it identifies all active subscriptions and automatically switches the billing over to the neobank’s card, replacing the user’s existing card on file

this can increase card spend by 20–30%, making it an A tier offer

integrate the tool and immediately boost interchange revenue by 20–30%

[Aman Anwar @Not_Columbus]

The @KnotAPIs Princeton hackathon✌️

[Rory O'Reilly @RoryOReilly]

I couldn't be more excited to introduce @KnotAPIs newest product: Detect

Detect gives Knot customers instant visibility into the accounts their users already have, without any user input.

By passing Knot a user's email or phone # in the background, Detect returns a view of a user’s existing accounts, unlocking a completely new layer of intelligence at the very start of the user journey:

• Make onboarding feel instant and personalized
• Surface offers that actually match where users already engage
• Prompt upgrades and actions at the right moment
• Strengthen fraud detection with real account-level signals
• Unlock a new layer of competitive intelligence

For issuers, that means better intelligence, unique signals, and a cheat sheet for next-best actions. For merchants, it means a deeper understanding of their customers from the first interaction.

If you’re already working with Knot, reach out, and we’ll get you enabled (API docs below).

[Knot - The Merchant Connectivity Platform @KnotAPIs]

@KyleHWyman Love this!

[Kyle Wyman @KyleHWyman]

No two days are the same @KnotAPIs, which is a big part of what makes it so enjoyable. One of my favorite parts is working closely with our partners and building alongside them every day.

It’s always fun to create something thoughtful and share it with the people we’re building for.

The team and I are incredibly grateful for all of you. Thank you for being part of this journey; I hope you enjoy these small tokens of appreciation!

[Knot - The Merchant Connectivity Platform @KnotAPIs]

@georginamerhom @RoryOReilly Thank you so much!

[Rory O'Reilly @RoryOReilly]

I’m excited to announce @KnotAPIs latest product: Account Upgrader.

Knot started with a simple idea: connect users directly to the merchants they already use and make it effortless to set a card as the default.

Account Upgrader builds on the same merchant connectivity layer and extends the moment further. With Account Upgrader, users can seamlessly opt into and upgrade to premium merchant subscription tiers directly within the flow, powered by Knot.

For Issuers, this means more activation, more spend, and stronger retention. For Merchants, this means a new growth surface at a moment of high intent.

We could not be more excited to continue building the merchant connectivity layer.