Best Embedded Finance Platforms of 2024

We handle all the compliance and regulatory issues so you can focus on business growth. You can securely handle supplier payments and create a benefits program that your employees will love. Customers will love digital gifting. This makes crypto PoS easy and secure. Your business can now enable everything, from compensation payments to salary advances. All the necessary tools are available to plug-and play, including crowdfunding and B2B marketplaces. Adding financial services to your customers exactly when they need them was difficult up until now. This is no longer the case. You can choose the services you need, and then add value to your customers with our ready-made, plug and play financial services.

Automate your trading, build your own services or connect investing with existing interfaces. Get started trading more than 8,000 global stocks or ETFs in our free paper environment. Your dedicated securities trading account will allow you to live demo your use case. This account is provided by our licensed partner. Your API for stock trading, market data. An API that allows you to create any type of brokerage use case. These documents will give you a headstart. Stream historical and current market data. These data can be integrated into your brokerage use cases. It's easy as pie. Our REST-API allows you to place orders. It's simple, easy, and flawless. The API lemon.markets allows you to create your own brokerage experience. The state-of the-art REST API allows you to create a brokerage project that suits your needs. Create your own automated trading system that places orders on the stock exchange. You can monitor price changes and set your own buy/sell rules.

Card management and card issuance are now possible. Businesses can also be empowered with transaction control and payment decisions. With seamless real-time data access and reconciliation, stakeholders are kept up to date without the need for manual intervention. You can integrate our APIs into your dashboard and issue payments or reconcile usage data in a secure, frictionless and secure way. Our next-generation payment rails are super fast and will allow you to create the card-based programs that your business requires on the move. When your happy customers make transactions using a card issued by you, we make money. Our open API has simplified the complicated payment issuance process down to just a few lines. If you still feel lost, our tech experts can help. It's all yours for free. In a month, we will launch our sandbox. We would love to hear your feedback.

Instantly open bank accounts, issue cards, send payments, or offer crypto wallets. Solid offers a complete, compliant suite FinTech services. In minutes, you can integrate to create new experiences. Solid's Banking as a Service allows companies to launch deposit products such as business and consumer checking account. It includes the ledger, statements, as well as everything you need to create delightful banking experiences. Solid's Card Issuance and Management platform was the first of its type. Issue cards are the modern way to meet the needs of your customers with one API. Solid fully manages credit, debit, prepaid cards in both physical and virtual form factors. Solid's API for creating accounts and opening banks instantly allows you to engage your customers in a light and powerful way. Solid's API allows you to instantly issue branded physical and virtual cards. You can also give them the spending control they need.

Zūm Rails provides real-world solutions that merge instant payments and open banking. The Zūm Rails software allows users to focus on distribution, while on the back end we mitigate the risk of fraud, aggregate KYC data and offer an unparalleled experience for the end-user. Our software is able to create a faster and more efficient payments process by eliminating unnecessary lag time of financial interactions through the use of the Zūm Wallet, reducing the risk of fraud for instant payments, and creating an overall better user experience by utilizing our real-time data aggregation feature. Zūm Rails software has been designed with scalability in mind. With a built-in Partner Portal, our users are able to manage and oversee their customer's transactions, while collecting insights and reporting. Work directly out of the Zūm Rails portal or utilize our seamless API to integrate directly into pre-existing systems and workflows. Zūm Rails software was built with every step of the payment journey in mind, creating a faster, safer, and more convenient digital exchange. To learn more, visit zumrails.com

Flexible, tailored, valuable commercial banking. Your clients will succeed with tailored financial services that are tailored to their needs. Your commercial account holders have complex and unique needs. Offer digital banking services that are tailored to their needs, size, and vertical. You can understand their needs and be a valuable resource for your most important clients. You can achieve this with the right partner. Legacy tech treats all businesses equally and provides inefficient, counter-productive interfaces. It's time to upgrade. Cash management can be difficult for large commercial clients. Legacy tech can create additional complications with rigid workflows, cumbersome features, and features that don’t consider user experience. Our commercial banking platform is a revolutionary solution. It provides a robust, sophisticated, yet simple solution for any user or task, no matter how complex or unique.

Highline, a new platform for payments, automates bill payments from payroll. Lenders can reduce missed payments by upto 2/3rds, reduce credit loss, expand credit options for customers, and provide better financial support. Highline supports all types of recurring bill payments, including personal loans, credit cards, rent, and utilities. You can simply integrate the Highline API to your customer experience to give qualified customers instant access to a better payment method. Highline reduces risk behind-the scenes. Highline splits customer's paychecks as needed when their employer sends them. The customer's virtual Highline account flows the loan payment directly to the lender. The rest flows into their checking account as normal.

Payrix has a mission: to be the world's leader in embedded payments for vertical business software. Our goal is to give our clients more freedom, peace of mind, and a proven solution that eliminates friction, opens up new revenue opportunities, and makes life easier for their customers. Payrix clients such as Real Green Systems and Storable have harnessed our unique platform, combined with a white glove approach, that allows them to take advantage of embedded payments for growth and innovation. Payrix offers endless possibilities.

Basiq is the most popular open banking platform that allows developers to create innovative financial solutions. We offer secure access to financial data that is authorised by customers and powerful APIs that provide valuable insights. We are transforming the future of financial apps with solutions for wealth managers and banks, as well as fintechs and fintechs. Access to reliable banking data for more personalized digital banking experiences. Our advanced income algorithms can reliably identify all sources, including regular, variable, and casual income streams. This allows you to streamline individual assessments and make quicker lending decisions. Your customers will have a rich digital experience thanks to the ability to better understand their spending habits. Basiq Enrich can identify the merchant, location, and category for each bank transaction.

This simple and powerful tool will allow you to manage your existing business credit cards. Instantly create secure virtual credit cards for employees, vendors, and projects. The Extend App makes it easy and secure to send virtual credit cards directly to your network. Create the products of tomorrow. API provides developers with powerful virtual credit card capabilities. A leading online lender, Leveraging Extend APIs has partnered up with a resort to offer additional payment options. Guests have access to a flexible, immediate term loan that can be accessed immediately, and they can upgrade their experience or take advantage of other payment options. Our APIs can be used to create new products for payments, lending, and other purposes. Extend APIs are used by an innovative insurtech to optimize payment operations. They have eliminated cash flow problems for doctors and have automated reconciliation and credit card incentives.

It's the easiest way to connect your app to banks, payment gateways, or financial data in just minutes. Syncfy provides a variety of high-value, easy-to-implement functions that can be integrated with existing solutions or developed new ones. You can get seamless financial data feeds in a single, simple-to-use JSON format. Link to government institutions to automatically pull up e-invoices issued and received. You can also obtain monthly and year-end fiscal reports. One of our certified providers can create and stamp bulk invoices following all tax authority requirements. Securely and instantly verify your identity and financial credentials. Based on transactional data, offer fraud prevention and detention solutions. You can quickly get a complete picture of the financial status of your applicants and verify their income to make sound lending decisions.

TrueLayer is the world's leading technology company that provides secure, global access for financial infrastructure. Our APIs are used by developers to create best-in-class products that secure access data and initiate payments in real time. TrueLayer was founded in 2016 and is connected to major banks around the globe. It is backed by top venture capital and trusted by some the most prominent fintech names such as Zopa, Revolut and Monzo. TrueLayer makes open banking available through its platform. This allows developers from all industries, startups and large enterprises, to reinvent financial services. TrueLayer is available in Australia, Europe, and the UK. Integrate next-generation financial data and payments into any app. Customers will love your products. You can send and receive money using the fastest rails at the lowest prices with a first-class experience. No cards. No fraud. No chargebacks.

It's easy to embed finance into apps and customer journeys by simply dragging and dropping. All you need to access global financial capabilities is one platform. Developers can embed global financial services right into their app or customer journey using a super easy API. Global operations and license platform that processes billions annually to manage your embedded financial services. You can also plug in your own licenses and financial operation capabilities to use ours to scale out to new countries. Easy APIs to integrate any financial use case into your customer experience. We do the rest, so you can focus on product design, marketing, customer engagement, and product design. Instantly create single-use virtual debit cards to manage SaaS subscriptions such as Netflix. Integrate wage advancement seamlessly into your payroll processes.

We connect the dots to make it easy for you to connect your customers with the capital they need. Our open platform ecosystem allows you to create whatever you need across all industries, including term loans and lines of credit. Our open API makes it easy for developers to integrate components into their UI/UX. Additionally, our embeddable components make it easier to get your product to market faster. Our pre-built widgets make it easy to integrate in less than five minutes. Integrate our pre-built application widgets to create a seamless user experience. Users can receive real-time notifications about offers and terms. See what embedded capital programs can do to help you attract new business, increase engagement and generate incremental revenue. Customers are more likely to accept offers from the lenders that compete for their business than they are to accept offers from other lenders. Customers will stay on your platform to get the capital they need because of our seamless integration.

To ensure the highest level of security, we use the best security tools, technology, banking industry practices, and other security measures. All of our services are compliant and licensed to comply with national and international regulations. It works better than cash and can be used with both virtual and physical cards. Your customers can access cash balances via a secure and safe platform. Allow real-time digital cash transfers worldwide through digital wallets or prepaid cards. Automated credit processes allow small businesses to offer loans directly to consumers and small businesses. To disburse immediate funds, create a customer-centric platform. One-click registration allows you to quickly and safely transfer money overseas. You issue a virtual account to the customer instantly after they make a purchase from your app, website or store. The customer then uses these rewards, rebates and refunds for future purchases.

Wallet Engine allows apps to seamlessly embed financial accounts in any user experience. This allows for peer-to-peer, micro-finance, and all other forms of contextual peer-to-peer payment. We handle the regulatory compliance, local network integrations and cross-border emoney operations so that apps can concentrate on their business. Compliance standards in multiple jurisdictions. Connected to over 900,000+ top up & withdrawal channels worldwide. Built for high-volume transactions and rapid scale on core-banking technology. Fully customizable fee structure that can be customized to meet the needs of each customer. We understand the challenges of financial connectivity and are committed to providing developers with simple, composable products that can be quickly deployed across a global user base.

Build your own fintech with Bond. Build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified API-driven platform. Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Bond allows you to offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live.

Alchemy's Lending Platform was designed to meet the needs of today’s consumers. Alchemy offers a complete range of lending services. Our white-labeled lending platform is the perfect starting point. It's designed to help you launch your lending product quickly. Innovation is a part of Alchemy's DNA. Our founders are industry experts who solved some of the most complex technology and analytical issues in large banks, online lenders, speciality financing firms, and other institutions. Alchemy has created a customized onboarding experience that is tailored to each financing vertical. Our embedded financing software integrates specific underwriting, product description, risk-based pricing, and lending management functions into a complete solution.

Liberis is an expert in integrating revenue-based finance solutions into customer experiences. Your business customers can get the responsible, intuitive finance they need. Our embedded finance platform allows you to offer finance directly at your customers' doorsteps. We will handle all documentation, legal processes, as well as funding. Your customers require finance for many reasons, including cash flow management and business growth. Liberis' embedded finance platform offers a quick and easy solution with a revenue-based payment option that we know business owners love.

Modern Treasury's payment operations platform, and flexible APIs, allow you to add money movement to your products and track it without having to do any heavy lifting. Money movement is more than just moving money. Our APIs automate money movement at large scale, including bank integration and payments and reconciliation. The web app gives complete control over fund flows with approval workflows and notifications, reporting, and other features. Because we integrate directly with your bank, rather than sitting in the flow funds, payments move twice as fast. You can set up approval rules and track payments, from initiation to reconciliation. We support wire, wire, and ACH payment methods via a single API or web app. As transactions are posted, we automatically reconcile the completed payments to the original transaction. We also match returns and reverses to the original payment, simplifying cash reconciliation.

NovoPayment's API-based platform allows for digital banking, card solutions, and payment in record time. We can help you start from scratch, enhance, or expand in multiple markets. You can deploy your corporate, SMB, and consumer programs with our Visa or Mastercard prepaid, debit, or credit solutions. Our APIs and issuing infrastructure allow you to launch physical and digital card programs. Users can manage their digital multicurrency accounts online by accessing multiple wholesale rates and service providers through our application network. Instant virtual and physical card issuing, open- and closed-loop programs. Strong businesses are powered by payments. We offer a complete range of payment tools to the digital economy, from secure remote commerce to real-time.

Many companies promise fast and easy payments acceptance. Off-the-shelf payment solutions can come with compromises. You might lose revenue, ownership of your data and control over your payments product. Your customers can create a custom payment product that allows them to control fees, funding schedules and onboarding decisions. You can create payment solutions however you like, with the flexibility to modify as and when needed. You can generate additional revenue from payments that you previously gave to third parties. This cashflow can exponentially increase your valuation. Continuous compliance and risk monitoring developed by the people who wrote the book about compliance and risk. Industry-leading KYC processes, customized merchant application, triggered Underwriting, and integrated Boarding Services.

We offer wealth management as a service. A sophisticated platform that seamlessly integrates into your business can help you expand or modernize your wealth management delivery. Enabling modern wealth management delivery. OneVest can help you go to market faster, whether you are modernizing legacy programs or launching them for your first time. You can integrate wealth services into your platform to reduce overhead and get up-and running quickly. With an end-to-end platform, you can offer a modern customer experience. OneVest services can be embedded into your applications to provide a modern wealth management experience for your customers. You can create a custom wealth management experience with our API, which is easy to use by developers. You can make OneVest's wealth platform your own, without having to create it yourself. You can showcase your brand with web or mobile apps that let you get to market quickly. You can seamlessly manage wealth with your existing back office.

One API that makes it easy to verify account details, view transactions, make payments, and move money. This API allows users to connect their bank accounts directly to your app. Teller gives your app beautiful account enrollment screens. These screens send sensitive data directly to our secure servers. This bypasses yours and leaves you with one less thing to worry. Teller connects with every bank using real APIs. Screenscraping is a slow and brittle method that results in poor uptime, slow returns and slow data. Teller provides real-time, up-to the minute bank data in a reliable, predictable manner. One API is all you need to verify account details, view transactions, make payments, and move money. You can see the results yourself by copying and pasting the command into your terminal. For your peace of mind, bank account connections that you can trust are available.

Stripe Connect is the fastest way to integrate payments into your marketplace or platform. Our APIs allow you to create and scale end-to–end payments experiences. This includes instant onboarding, global payouts, and new revenue streams. Stripe handles payments KYC. Stripe-hosted Onboarding allows you to get to market faster and without the development time or upfront costs required for payment facilitation. Our revenue share program makes payments a powerful source for revenue. You can also mark up payments to make every transaction a profit. Global payments platform allows you to reach more customers around the world and supports 135+ currencies as well as local payment methods with one integration. Monetize Stripe's entire range of financial services products. You can offer financing, expense cards or money management accounts to your customers. Connect's pre-built, optimized user interfaces make it easy to get your users started quickly.