Best Embedded Finance Platforms in the UK

Traditional payment processors take the majority of the profits from funds flowing through your platform. However, legacy architecture can reduce the value of your company. This is not true. We provide embedded and payment solutions that increase the potential of vertical SaaS platforms. You can enable sub-account architecture to control your processing costs and allow you to manage them from the beginning. Keep 100+ basis points of your keep with a team and tech that are obsessed about your opportunity. Give your customers the financial tools they require to grow and reach 200+ basis points of the keep. To activate your customers and maximize embedded fintech usage, execute the go-to market strategy. To be in the payments game, you will need to have the right sub-account architecture as well as below-market-rate pricing. It takes more to win. You can win the payments game with JustiFi's embedded fintech platform and our team of strategic payments experts.

With one infrastructure, connect your favorite commerce and payment services to create beautiful customer journeys. With sophisticated, end to end workflows, you can increase revenue. With unlimited payment options and commerce services, you can create amazing customer journeys and keep your customers happy. Integrate Primer once and you will see a significant increase in your payment success. You can create your own payment experience and track and manage it seamlessly across all your payment processors. You can add as many payment options as you want in minutes. Customers can choose when, where and how they see them at checkout. No compromises. Our unified API and suite tools optimize payments regardless of which processor you use. Unlimited integrations and apps to help you grow your commerce and payment stack. You can achieve your goals by having a single source of truth for your entire stack. All your payments, reporting, and other activities can be tracked and managed from one dashboard.

Stripe Treasury allows you to embed financial services on your platform or marketplace. Your customers can manage their cash flow, manage their funds, pay bills and earn yield with a single integration. Stripe Treasury offers the modular components that you need to create a fully-featured, scalable financial product. We have partnered with banks to allow wire transfers and ACH, FDIC insurance-eligible account accounts, and faster access funds. All this from your platform. With one API request, create an account object. In minutes, onboard users can verify their identity and create an account with one our bank partners. Create a fund store and configure the properties for your financial product. Different ways to transfer funds into and out of your account can be enabled. To give users more options for spending their money, you can issue custom payment cards. Stripe Treasury was developed in partnership with a number of banks.

Treezor's white label solution allows you to integrate financial services into your client experience. It also enhances your business offer. Treezor, Europe's leading banking-as a-service provider, will help you every step of your payment project. You have a wide range of financial services that can be used to support your projects. Our modular, one-stop-shop solution allows any company (fintechs or large businesses) to speed up their banking projects by outsourcing all of their payment requirements to us. Treezor's tech, security and regulatory expertise will help you seamlessly integrate payments into your customer journey. Treezor is a creative and innovative platform for the top European fintechs to help accelerate the digital transformation. Treezor is the preferred platform to connect innovative companies, startups and fintechs with neobanks. One contract, one API and one integration with multiple services and endless possibilities.

Our API is used by financial institutions, including fintechs and cryptocurrency platforms, banks, credit unions, and banks to offer customers a fully regulated banking infrastructure as well as real-time clearing access. This allows you to grow your business on your terms and keep up with the times. Our banking license allows you to offer your customers FSCS-protected accounts. We handle the banking products so that you can concentrate on building the business your customers desire. Connect to our API to process payments faster and more securely. Choose the fully regulated accounts that are most beneficial to your business and your customers. Our cloud-based API allows financial institutions to focus on their customers and remain relevant in a rapidly changing market. We know the pain of dealing legacy systems, the cost and the risk involved with innovating within the financial services sector.

Embedded financial offerings for the B2B eco-system orchestrated on a unified platform allow enterprises, distributors and retailers, as well as financial institutions, to grow their business rapidly. Actyv.ai combines cutting-edge technology with embedded financial offerings to cater to all B2B ecosystem stakeholders. Actyv Go allows you to quickly onboard business partners in a fully digitized manner. Actyv Score allows you to make data-driven decisions and eliminate subjectivity when onboarding new business partners. Actyv PayLater offers you a range of payment options that allow you to pay now and later for your working capital requirements. You can also secure your BNPL credit with bite-sized Actyv Insure. The actyv.ai platform offers quantifiable value to all stakeholders within the B2B eco-system. A single platform that provides a seamless onboarding, scoring and access to embedded finance solutions.

Striga is a platform for digital assets, financial services and regulatory compliance. It is a set of APIs that handles the heavy lifting in terms of security and compliance. Striga's clients include early-stage FinTechs, Web3 innovators and Crypto Exchanges. Services range from Crypto Custody and Trading to Card Issuing and Crypto/Fiat Onramp/Offramp. With Striga APIs, companies are able to: Offer crypto accounts to retailers or corporations - Issue virtual IBANs for retail or corporates - Issue both physical and virtual cards

Integrate our Python SDK and Rest API within minutes to ship faster. No data formatting or setup required. As soon as your first customer and data are in, you can start using the system. We have developed and fine-tuned our custom language models in order to recognize entities, crawl the web in real time and select the best match. We can also assign labels with superhuman precision in a fraction the time. Everyone has a data-enrichment model that tries to excel at one thing - whether it's for the US or Europe, or business or consumers. These models are not able to generalize and cannot produce output at the level of a human. You can embed the largest and most efficient models in your products at a fractional cost and time.

Our APIs make it easy to integrate Aria's finance solution into your product. We maintain your cash flow and enable instant payments while you grow. They are often looking for a way to get paid quicker because their cash flow is tight. It would be possible to fix this by adding financing features to your product, but that's far away from your core business. Risk assessment is done before contracting, based on ARR metrics. Our lending solution allows marketplaces and vertical SaaS to embed instant advance payment into their product.

Create unique digital experiences based on real-time financial insights and data. Access a write once read many data feed for all major custodians and leverage plug-and play white-labeled functionality for billing, reporting, etc. Create new distribution channels to unlock the true growth potential of your firm. Streamline your back-office operations through automated reporting and simple fee billing. BridgeFT's WealthTech API is the only multi-custodial, API-first platform that was built by developers for developers. It streamlines development and keeps up with the latest technologies. WealthTech-as-a-service platform offers a single, open API to trade-ready, multi-custodial data, advanced analytics, and mission-critical applications. Multi-custodial assets held away and 3rd party data aggregation.

Small businesses can create complete packages in record time with the Applicant Portal. Empower your financial institution with a cutting edge loan origination enhancement tool, under your brand. This will provide a seamless experience to your users. Our platform can be customized to match your brand and ensure a familiar, engaging user experience. Connect our solution seamlessly with your systems to create a unified, efficient loan processing experience. With an intuitive platform, you can drive user engagement and loyalty by keeping your customers connected. Optimize loan approval rates with personalized recommendations and readiness scoring. Data-driven analytics can be used to monitor applicant readiness and maximize the efficiency of underwriting.

Layer helps software companies launch accounting solutions for their SMB clients. Increase engagement, drive revenues, and become a financial home for SMBs. A complete accounting solution integrated within your platform. Combining data from your platform and data from external financial accounts of customers will give you a complete picture about their accounting. Layer can receive data directly via our API, or you can use our pre-built fintech integrations. Launch a product that is tailored to the size and industry of your customers. Save your customers from generic accounting software that is one size fits all. Launch a white-labeled platform experience. Use Layer's complete suite of brandable UI elements or build on Layer's API for a completely customized experience. Increase attach rates for your other financial products by becoming the customers' primary system of record.

Offer accounting software to your customers directly within your platform. Teal allows you to create a financial hub that will drive engagement and attachment with your other financial services products. Create a complete financial operating system that your customers can use. Teal's general journal can give your customers the insights they need to manage their business by combining data sources. Create a single source of truth to manage your customers' accounting and finances, and watch your financial products rates grow. Use our pre-built integrations to ingest and analyze data, or submit your data using our API. You can go live with a fully featured accounting suite within weeks, not months. Teal provides you with modular front-end code that can be incorporated in your core product, and modified to meet your exact requirements. Our implementation engineers work closely with your team in order to achieve your target implementation quickly.

Embedded payment built by software developers for software developers. Every SaaS business is searching for the next feature to help propel their business forward. A feature that closes a sale, improves user experience, or re-facts technical debt are all competing for valuable priority on the roadmap. By monetizing payments first, you can double your revenue per customer and fund additional roadmap capacity. Forward is adding new solutions to help you along your journey. We offer a free consultation on payment, and we really mean that. We've made it easy to understand the next steps in your payment journey. Think of payments in the same way. You might build your own datacenter, but you'll probably use a cloud provider. Our team can help to focus you on what you do well, which is selling your software.

Aeropay is an innovative financial technology company. We help people transfer money via bank-to-bank transfers (ACH). We allow businesses to accept digital payments that are compliant and give customers the freedom to shop. Paying with a mobile device instead of cash or cards promotes convenience, safety and a modern way of life. Filter payments for a quick view, adjustment, void, or refund of transactions. You can also adjust the payment amounts and capture pre-authorized payments. Monthly subscriptions can be offered to generate recurring revenue. Add multiple locations and send location-specific payment links. Create your own payment experience. Test your experience in our sandbox. Work with our development team. Accept digital payments on the point of sale. Customers can pay by scanning a QR code and linking to their bank. Accept online prepayments for orders, online purchases, and pick up in store. Customers can choose Aeropay at checkout to link their bank account and pay.

Our technology allows you to embed digital dollar accounts, real-time payments and other financial services into your products and service offerings. This opens up new financial opportunities for customers. Simple API or online dashboard which allows you to customize and control your experience. US-based digital dollars accounts with segregated fund, real-time settlements across borders, savings and competitive FX rates. Our simple, secure and developer-friendly API will help you bring borderless payments and digital dollar to your business. Boost the speed of international trade and commerce for businesses. Help companies manage their treasuries without errors or delays. Help your customers accept payments from users outside their borders. Your customers can instantly access US dollar accounts and credentials for US banks. Paying global employees accurately and in compliance with the law is important for businesses. Customers can send and receive money quickly and cheaply with our quick and affordable transfers.

Cadana APIs are used by the world's largest talent marketplaces and payroll platforms to build compliant hiring solutions in Africa, Asia and Latin America. Cadana offers white-label no-code solutions that you can offer to your customers under your own brand. Cadana’s local entities and expertise can help you mitigate local labor non-compliance risks and fraud. Validate the market by building a full-suite of products without spending millions on development. Reduce operational overhead by leveraging Cadana L1 and L2 support. Modular UI components allow you to customize and integrate existing workflows. Pay to millions of local bank accounts, mobile money and eWallets in Africa, Latin America and Asia. Mitigate fraud by using AI-powered transaction tracking and account validation for emerging markets. Save an average of 50% on FX rates for emerging markets when compared to global payment aggregaters.

Split your money using as many wallets you want, enjoy instant settlement and make the payment process part of your product. Our event-based payment system will automate your entire payment process. Utilize a fully traceable techniqe to get the most accurate information from your payment flows. Manage your vendor accounts and automate your payments using distributed ledger technology. We empower online marketplaces and platforms to hold, manage and distribute funds in real-time, with full automation. Split your payments into your vendor wallets, and your Treasury wallet. Payments can be triggered by any data source. Hold your users' funds securely, set conditions, and automate every aspect of the payment experience. Add any currency and expand your payment experience to any European country. Onboarding is fully embedded for your vendors. Be compliant without wasting any time.

Softloans' technology allows other platforms, such as payment service provider, marketplaces and marketing agencies to offer financing to business customers. Give your customers access to working capital and help them grow. Earn a commission on each loan you provide to your customers. This will create a new revenue stream for your company. The solution can be easily customized and is ready to launch anywhere across Europe and beyond. Softloans helps lenders grow and become more profitable by reducing false rejections of loan applications. The solution is tailored to both individual and corporate customers, offering unique benefits. Individual borrowers can easily identify risky behaviors such as gambling/understand the financial dynamics of users, etc. Analyze operating and financing cash flow and gain insights into the structure and composition of your customer and supplier base.

Payitoff, a financial technology firm, provides intelligent, embeddable debt guidance solutions to banks, lenders and financial wellness providers. Their platform provides low-code and non-code tools to enable institutions to provide personalized debt repayment strategies for their customers. This enhances financial outcomes and increases engagement. Payitoff's integration with organizations allows them to access real-time account information, and provide actionable advice, helping customers save on average $323 per month in federal student loan repayments. The platform supports a variety of debt types including student loans and credit cards. It also supports mortgages, auto loans and personal loans. Empower your customers to achieve the best results, every time, with intelligent debt advice. Customers can save thousands of dollars on their repayment terms by performing actions within the app.

Expand your distribution of banking products using the Interlace platform. Offering new bundles of products and services through partner or bank channels to existing and new customers. To reduce legacy operating costs, move accounts from your core system to our virtual account management system. With a modern API first cloud-native stack, you can launch programs in just a few weeks instead of months. Eliminate core replacements and side-car projects that are complex and expensive. Real-time processing for card transactions, payments and accounts. Central Interlace Console for compliance assurance across all programs via bank controls that are inherited and incorporated into every program. Real-time settlement automation to ensure the integrity of funds and eliminate manual reconciliation.

Daxia is a platform for embedded finance that helps businesses of all sizes transition into the fintech world, unlocking new revenue streams. Daxia offers a comprehensive end-to-end platform that allows companies to quickly develop and launch customized fintech services, while improving customer experience, data management and security. The platform offers a variety of solutions, such as strategic advisory services to help companies become fintech players, open-source APIs for integrating fintech into existing business model, and tools to manage digital assets and ensure data security. Daxia offers tokenization as a way to protect sensitive information, ensuring compliance while minimizing the risks associated with unauthorised access. The platform is designed to assist businesses in industries such as consumer, retail, ecommerce and banking, as well as energy and telecom, integrate fintech capabilities.

Cambr's vendor-agnostic approach allows for new monetization channels and scalable cash storage. FDIC-insured safety is also available to any business that has cash for its customers. You decide how much you pass on to your customers and earn a market-leading yield on balances. Our network of community banks helps you eliminate bank balance sheet constraints and reduce the risk that there will be a single point failure. Integrate seamlessly. Integration hub is easy and fast. It's only necessary if you don't already have a relationship with your service providers. No software, no hassle. You can create new products and hooks, while still earning revenue from your programs' deposits. Our network of community banks allows for you to scale compliantly while protecting both your balance sheet as well as economics. Earn fee income while deploying and implementing complete package solutions for clients.

We help financial institutions, corporations, and FinTech entrepreneurs bring to market highly differentiated payment options that are supported by a strong, immediate business case. Our white-label platform and API allow us to quickly deploy targeted solutions and generate significant new net revenues. Our interoperable platform is PCI DSS certified (Payment Card Industry Data Security Standards). It is hosted in Tier-4 data centers that have the highest security certification. Bankable's Virtual Manager, a cloud-based virtual account solution that can be added to any bank account, allows for enhanced cash management for global corporations. It can process standardised and proprietary data from multiple banks.

We have a lending solution that works for brands like yours. With a personalized, branded customer experience, you can get up and running in days. All the tools you need for customers to get loans are provided by us. Our platform was built to allow lenders to quickly connect to brands. We have partnered with the best data providers and can provide you with a flexible toolkit that will support your lending. Our platform allows you to expand your distribution and increase lending. We are there for you, whether it's on your website or app. One integration is one solution for all your needs. We have the tools to create a customer experience that works.