Best Embedded Finance Platforms for Enterprise

All of this is possible with a single API. Developers can engage with users' debts using our debt-agnostic solution. Engaging directly with your users' creditors will lower lending risk and increase revenue. Method connects to all credit card, student loan, auto loan, mortgage, utility bill merchants. Method APIs are stable and users don't have to re-authenticate. Method handles compliance requirements, identity verification and bank partnerships, so you can concentrate on building. You can initiate payments to any user's liabilities. Settlement can be initiated in a matter of minutes. All their liabilities instantly retrieved - no credentials required Method will instantly return all liabilities to the user. Method helps you attract top talent and keep employees happy by addressing their top concern: financial wellness.

Launch your payroll product quicker. Launch payroll without the engineering hassle and grow revenue. Delight your customers by having payroll integrated into your platform. We'll delight with a seamless product launch. Become indispensable. By adding a payroll solution to your existing features, your customers can do everything in their favorite platform - yours. We've not just copied what's already out there; we've upgraded it. Our infrastructure is easier to maintain, faster to set-up, more scalable and less error prone. Now available in Canada & the U.S. Launch your product in just a few short weeks and receive valuable feedback from customers. The Salsa team has the most experience in the industry. We will be there for you at every step and can assist you with design, research and building. Our tools offer maximum customization and ease of use.

With a single API request, you can save your users time and money. CapitalOS will provide the capital, and will take on compliance and risk. Best-in class card management and spend control that seamlessly integrates into your app, and continually improves. CapitalOS will take care of all your compliance, auditing and licensing so you can concentrate on your core competency. Most businesses can be onboarded in 2-4 minutes, with an instant decision. No credit score checks. Beautiful mobile and physical cards CapitalOS provides capital and assumes the underwriting risk. Your platform is not responsible for the financial transactions of your business.

Use our insights to make informed decisions about lending, while ensuring better risk management and a better customer experience. Identify indicators of delinquency or fraud relating to unreported debts and stop fraud from happening. Stay on top of the latest market trends and adapt strategies quickly to capitalize on new opportunities. Create laser-focused campaigns using customer segmentation insights to drive engagement and conversion rates. Machine learning models, financial insights and transactional data can be used to create incredible products and add value to your business.

MX helps financial institutions, fintechs and other businesses to use their data more effectively in order to outperform the competition. Our solutions allow clients to quickly collect, enhance, analyze and present their financial data. MX places the user's data front and center, making it a coherent, understandable, and interactive visualization. Users will engage with your digital banking products more often and deeper, as a result. MX clients can offer mobile banking across multiple platforms and device types using the Helios cross platform framework. It is all built from one C++ codebase. This allows for agile development and lowers maintenance costs.

Our open API platform allows world's innovators to issue and process cards instantly with greater control, flexibility, and scale. Marqeta is changing the rules of what payment cards can do. Marqeta's open platform API platform has the most advanced infrastructure and tools to build highly configurable payment card cards. It is for developers who want an easier way to manage payment programs. This platform will allow them to create world-class experiences and innovate, as well as power new modes and modes of commerce. Modern card issuing platform that powers the future, accelerates your business, and helps you build new and innovative products. A sandbox that is open API and instantly issued allows you to get started in just three clicks. It also allows you to instantly issue physical, tokenized, and virtual payments. You can control excess spending, protect your margins and provide exceptional user experiences with refined payment and authorization controls.

Finicity's open platform for banking makes it easy to connect your customers' financial information to your app or service. Finicity's open platform banking platform is being used worldwide by some of the most innovative and large organizations to provide better financial experiences for their customers. Your experience is dependent on data quality. Our data has been battle tested in the most demanding markets. You can easily code to endpoints and test data, and connect to Finicity’s open banking platform to access the best API coverage for banks, credit unions and payroll providers. Access to the data you need to power products is easy with our suite of APIs.

Yodlee, the leading data aggregation and data analytics platform, helps consumers live better financial lives through innovative products and services created for more than 1,400 financial institutions and FinTech companies, including 16 of the top 20 U.S. banks. We are transforming financial apps and services by providing solutions for wealth managers and banks, merchants and many more. Find out how we can help your business grow. Our data aggregation platform allows financial institutions and FinTechs help consumers achieve better financial outcomes. We follow industry-leading practices in data security, regulatory compliance, privacy, and confidentiality. Bill Crager has updated us on Envestnet's commitment to action. Browse our library of whitepapers, on-demand webinars and eBooks. They are packed with valuable insights, actionable advice, and product information.

Financial Institutions are changing their bank operating models to be customer-first. Fintechs and developers are looking for new ways to get to market. Open banking platforms use APIs that allow different solutions and products to work together in new ways. Financial institutions are more flexible, competitive, and can grow by having a single, scalable portal. You can customize the services you offer to your customers and use the latest technology available in digital experiences. Access Finastra's wide range of banking solutions, including payments, lending, corporate banking, and Treasury & Capital Markets. Prepare for the future and be ready today. Are you a developer, fintech or financial institution looking to disrupt the market. Are you a financial institution looking for new innovations for clients? To integrate your existing apps or develop new apps, you can access APIs from Finastra's core system.

Companies have the ability to use embedded features, backed up by unified due diligence, and a flexible general leadger to create a platform that allows them to launch world-class products and accelerate innovation. To configure your application, use our application builder. We will create a custom guide for your integration. Also, we will provide a timeline and timeline so that you know what to expect. Your sandbox environment will be built by us. You can deploy a white-labeled, turnkey solution, or integrate with our APIs or SDKs. Optionally, we can also deploy the application within your existing cloud infrastructure to allow you full control over compute, storage, version, and other aspects. Depending on the application, deployment can take as little as three weeks. We are committed to helping you launch a world-class service! Bundle account verification, linking and ACH transfers to create a unified solution.

We help companies launch and build best-in-class financial products. White-labeled Cards can be issued and used to service individual and business accounts. Our virtual and physical Cards can be customized with spending limits that can be adjusted and no incremental fees. High-yield Savings accounts allow users to earn interest on their funds. You can choose between Savings Deposit Accounts and Savings Sub-Accounts. Interest is charged daily and paid monthly. Our APIs make it easy to issue One-Time Loans to your customers. One-Time loans are highly customizable and come with a capped APR accrued interest rate and no late fees. To enable ACH payments, or to connect to and verify a user’s ACH account, create a custom payment flow. We offer both Regular ACH and Same Day ACH. Both types allow for credit and debit transactions. Our automated back office allows you to support domestic and international wires.

The Ninth Wave Platform, a single, comprehensive, open banking solution, allows financial institutions to securely share permissioned data with a wide range of third-party apps, including aggregators and fintechs, accounting, ERP solutions, personal finance management and wellness tools and tax prep software. Ninth Wave allows retail and commercial banks, credit unions and wealth and investment managers, as well as other financial service firms, to provide their customers with fast, convenient access at their convenience to their data via any app or solution. This results in a better digital experience that increases satisfaction and loyalty, attracts new clients, opens up new revenue streams and reduces risk for our clients.

BBVA wants your small business to succeed. Check out our market-leading checking account designed to support small businesses. You can earn interest on money your small business makes. Plus, you have the added security of being in a position to "sweep” funds to your business checking account whenever you need them. You can find business loans tailored to your business needs for any project, no matter how large or small. You can manage your business' cash flow and spending, as well as earn rewards for Qualifying Purchases made with our Visa®. credit card options. Everything you need to run your business smoothly, including POS systems as well as the ability to accept other payment types. Find out about special programs that BBVA customers can only access. A small business is possible only if you have a positive attitude. The pandemic destroyed that self-reliance. It was an honor to help these dreams continue.

Your business is hard work. The Netspend®, Small Business Prepaid Mastercard®, will give you the tools to manage it. It can be difficult to keep track of your finances when you have business and personal expenses. Netspend Small Business Account helps to stay organized by allowing you to keep all your business expenses in one place. It's easy to file your taxes. You can organize your business transactions and export your account information so that you spend less time doing paperwork and more time working on your business. Every sale is important for a small business. Customers will find it easy to pay you by accepting multiple payment options, including checks, credit and debit card payments, cash-added to your Card account, and cash-checks. You can give employees limited spending power through a subaccount linked to your Card Account. To run a business successfully, accurate bookkeeping is essential.

Finix's Payments Infrastructure-as-a-Service decreases the time, cost, and headache SaaS businesses, ISVs, and marketplaces experience when bringing payments in-house. Finix Professional Services (FPS), wrote the book about the payment facilitation model. A payment facilitator is a technology company that offers a payment solution to the sub-merchants that it sponsors or underwrites. We are committed to meeting the highest international data security standards. Our team works closely with regulators all over the world to ensure that our platform is able to adapt to changing regulatory requirements. Companies can earn more revenue, improve product experiences, and delight their customers by owning payments. Finix Flex is a fast-growing platform that helps software companies to monetize their payments while putting them on a path to full payment facilitation. To avoid switching costs, stay on the same Finix platform until you are ready to transition.

A single Open Banking API allows you to connect your app to financial data of your users in the most secure and easy way possible. Your users will love engaging, next-generation products. Financial data of your users can be accessed in many formats from different sources. We connect to more than 90% of Latin American personal and business bank accounts, as well tax institutions and platforms for the gig economy. In minutes, our Connect Widget can easily be integrated into your product. You can save months of development time and instead focus on what is most important to you. Our platform is built on top-of-the-line security infrastructure. We are currently undergoing ISO 27001 certification. Connect your users' accounts and enrich their data with simple steps. We can help you create the right environment for your users, whether they need lending or smart savings. To improve borrowing experiences, we can access, aggregate, and interpret the financial information of customers, such as their income.

finleap Connect offers cloud services to banks looking to digitize their businesses. finleap connect focuses on fintech solutions that can be integrated into existing infrastructures in a modularized manner. The service offers data analysis capabilities and links existing data with machine learning tools. BaFin has certified finleap Connect. BaFin certifies finleap connect advertised offer. This allows you to drive customer engagement and reduce the complexity and cost of embedding financing. Our cloud infrastructure is modern, secure and approved by the BaFin. It supports partners at all stages of their growth. Cutting-edge data and analytics capabilities that combine financial data connectivity with machine learning tools to create new insights. finleap Connect provides "full-stack" support for brands that offer digitally native, mobile-first "customer transactions". Customer Interaction Layer is a modular, branded product that enables meaningful customer interactions.

Jaris makes it easy to provide private-label embedded financial service your small business customers require, all within one platform. Customers will be more satisfied with high-value, private-label financial solutions that businesses trust. With jaris' purpose-built API, you can implement in-demand solutions such as Credit as a Service in a matter of months (not years). jaris provides a complete, integrated, full-stack solution for financial services, including underwriting, financing, and servicing. Your customers will be grateful that you offer them easy-to-use financial services. Customers can get modern, fast financial services whenever and wherever they need them. To gain more market share and outperform the competition, offer embedded financial solutions. You can provide quick, competitive financing solutions for your customers, ensuring a seamless user experience.

Green Dot, a registered bank holding company and financial technology company, aims to make modern banking and money movement available for everyone. Our proprietary technology allows for faster electronic payments and better money management. It provides intuitive and seamless ways to spend, send money, control it, and save it. Our proprietary technology allows for faster and more efficient electronic payments and money control. This technology provides seamless ways for people spend, send money, control it, and save money. Our Banking as a Service ("BaaS") platform allows a growing number of America's most prominent technology and consumer companies to create and deploy their own banking and money movement solutions, both in the US and internationally. Green Dot was founded in 1999 and is based in Pasadena (CA). It has served more 33 million customers directly and many others through its banking partners.

Our clients can access financial solutions that empower consumers anywhere, anytime. Technology is at the heart of everything we do. It is changing the way fintech partners do business. Streamlined payments solutions, including ACH, wire and card disbursement, all through APIs. While ensuring compliance, there is a strong focus on compliance. Provide loan origination services to market-leading marketplace lending platforms. This will allow for greater credit access in the market. Cross River operating platform, an API-driven banking platform that allows fintechs to plug into and access multiple banking services that are customizable and secure. To help our partners grow, we offer sophisticated financing options such as off-balance sheet and asset-backed credit facilities. We are committed to serving the banking needs of our communities by providing a personal, full-service banking experience. A trusted internal compliance management system that includes risk assessments, diligence, monitoring, testing, monitoring, oversight, and oversight is in place.

Business payments can be cumbersome and cost you time, money, and customers. We offer an API payments infrastructure that allows you to automate and embed payments. Operational efficiency and revenue drivers are possible. Automate your B2B payments flows including receivables and payables, collections, disbursement, and disbursement. Maximize efficiency and reduce operational costs by automating your B2B payment flows. Payments should be at the core of your platform, workflows, and customer experiences. Integrate access to international, UK, and card payment schemes into your software. We are the 'out-of-the-box' payment plumbing you need to create the next bank or payment service. Our platform will help you grow faster and reach new heights. Automated, real-time, 24/7 loan disbursement and collection of repayments into separate accounts. With a real-time view and instant emergency payments, you can pay workers on time every time.

Nium is a catalyst for fast deployment of new financial services for all sizes of businesses. Instant access to a global network that offers card-issuing, payout, and pay-in capabilities. Your customers will be able to access new services, you can monetize your cash flow and build your own global payment network. Transfer money to your customers, vendors, and employees worldwide via the world's largest global network. Discover our purpose-built, turn-key API suite. Nium integration is easy and quick. Our modular, cloud-based API suite allows you to build your global solution. As you scale, integrate new features and geographies. Our API suite includes RESTful methodology, HTTPS authentication and verbs. JSON is also available. This ensures a reliable platform and easy integration. Explore our documentation and start prototyping & building your solution in our sandbox environment.

We believe that buying stock should be as simple as buying a cup of coffee. Our experts can help design digital experiences that make investing accessible to everyone, anywhere. DriveWealth's cloud-based and API-driven brokerage infrastructure is able to power any investment experience that you design. This includes trading, investing, retirement, roundups, rewards, and fractional shares. Easily integrate investing into your customers' daily lives and turn them into investors. DriveWealth's modern brokerage platform allows you to launch quickly and easily. It integrates with all aspects of the client journey, including account opening, identity verification, digital funding, and execution. Everything your customer sees is yours to design. Everything they need, from clearing and settlement to tax reporting and tax and regulatory reporting, is powered by us. We do this digitally and in real time.

Banxware manages the technology and funds needed for any type of business financing. Your merchants can increase their platform revenues. Your merchants will have easy access to capital based upon their most recent performance. You are in control. Are you looking for integrated business financing? We design and manage them. Your payment gateway can offer a platform-branded cash advance program that is based on transaction volume. Increase your marketplace merchant revenues. Your merchant portal can be embedded with a business lending product. It's as simple as 1-2-3 to integrate business financing solutions into your platforms. Payout financing is approved within 15 minutes. Banxware allows platforms to offer financing products based upon recent financial transaction history, such as merchant cash advances.

Easy access to the entire financial ecosystem allows you to build, upgrade, and expand your business. All of your financial services are available through one API. Integrating financial services into your products can create new and exciting customer experiences. Your customers will never have to leave your ecosystem. Integrate your existing systems seamlessly to improve customer service and back-office operations. OpenPayd offers market-leading rates, coverage and technology. OpenPayd also offers support. Scale quickly with local payment rails, unrivalled FX Management, a large network of global licenses, and many other benefits. OpenPayd's global banking network allows you to make and receive international payments.