Best Web-Based Embedded Finance Platforms of 2024

GPS' unique combination of technology, expertise, and payment processing functionality allows us to offer leading payment technology and other banking services to a wide range of clients, from established financial institutions to well-funded fintech innovators and cutting-edge start-ups. GPS ApexTM is the foundation for some of the most complex programmes in the industry. Our team of experts across the business is committed to ensuring the best performance for every programme we allow. GPS continues to invest in its technologists and in the GPS ApexTM platform to improve core processing and service capabilities. GPS ApexTM is a powerful, scalable payments processing platform that has been approved by Mastercard and Visa. It can also be used for single/dual messages format to facilitate quick issuer integrations in all countries.

Atomic. The trusted way to connect your payroll accounts to an application. Direct deposit receipt is a key driver of account profitability. However, updating the bank account file is often fraught with friction, fraud and manual processes. Direct deposit receipt is a major driver of account profitability. However, updating the bank account file is traditionally fraught with friction, fraud and manual processes. It is difficult to verify and gather accurate identity information during user onboarding. This is important for fraud reduction and customer engagement. Users are prevented from switching their loan and credit card balances between financial institutions due to friction, inconvenience, or human error, even though substantial savings may be at stake. Users can connect their payroll account directly to your application to get detailed user data. This data is accurate, verified, and delivered immediately.

A simple API integration allows you to gain instant access to your financial data. With just a few lines code, you can implement any of our APIs. Through a proprietary API connection, companies can access real-time data and standardized data from banks and other institutions.

Adding financial features to your product will help you increase revenues and delight customers. Unit handles compliance and bank relationships, so you can build, launch and grow faster. Our APIs, developer tools and guides allow you to create unique features in just five weeks. Your users will appreciate the unique terms and features you offer. Unit's flexible API allows you to customize the user experience. Unit handles compliance and bank relationships, so you can launch, build, and grow faster. Trusted by start-ups, major brands, and publicly traded businesses, Unit is a reliable, secure, and fast platform. Provide seamless banking solutions for freelancers, gig economy workers, including cash advance, tax calculations, and integrations with Abound and Plaid.

Customers can accept payments through your platform and monetize from their revenue stream. You can control your margins, set your merchants' rates and interchange, and keep the majority of your profits. Stop being the middleman! Eliminate MOR liability, dispute resolution, PCI/data security and compliance. Easy, flexible integration options available with APIs, drop in widgets, and a customizable UI. Our proprietary gateway solution eliminates the hassle and cost of moving payments in-house. This allows you to add payments directly to your platform without sacrificing any margin. Your customers can choose to be card-present or eCommerce-based. Do not be tied to one payment processor. You can choose the best option for you customers. To keep your customers competitive, you can define interchange-plus, flat, or bundled rates. You have portability rights to your customers' payment accounts with us.

Our global banking APIs, fintech expertise and customer support will help you reduce your time to market, lower the cost of global payment processing, and expand your services and products internationally. It can be difficult to open international bank accounts. We will make it easy for you by making global reconciliation, direct debiting, and a unified global bank experience simple. International business can be done like a local. International vendors and customers can be paid with ACH, SPEI and SEPA wires. Our global network of FX and payment institutions gives your customers access rates that were previously reserved for the biggest corporations. Our new approach to cross-border payment ensures that no one is left behind. We believe in removing financial barriers to growth to ensure that every business has the chance to succeed.

Quiltt provides a complete consumer fintech infrastructure that allows anyone to create innovative financial experiences. It doesn't have be complicated. We have the infrastructure to help customers quickly launch customer-facing features in their products - account connection, round-ups and bill management - in a fraction the time and at a fraction the cost. Quiltt Connect is an embedded UI module that allows you to access a complete and context-rich financial picture for your customers. Connect is built on the Quiltt graphQL API and comes pre-integrated to Plaid's industry-leading bank database network and Spade's powerful transaction enrichment services. Connect can be integrated into your product experience in just a few lines, allowing your team to concentrate on your core innovations.

Monite allows neobanks, B2B SaaS and other platforms to offer compliant AP Automation & invoicing to their clients. The API-first functionality of top specialized players is native to your interface. Your clients can easily collect all incoming bills, collaborate & create approval flows, allow employees and contractors to pay invoices using a card or another method of payment, and much more. Your clients can send offers and invoices to clients, collect online payments, and view analytics. You can create custom invoices, send reminders and dunning, set up auto-payment recognition, reconcile, and much more. A receivable refers to an invoice that a company issues to customers for goods or services it has not paid for. This is usually due to credit sales or as a result buying goods and services on credit. Monite API basically allows the entire accounts receivables aspect of SMEs businesses to run in an "autopilot" mode.

Rev. is the preferred choice for banks, fintech and other companies looking to launch digital payments products. Our digital payment products allow you to keep up with consumer demand and competition. In record time, deliver branded banking experiences. Each partnership brings decades of experience in the development and management of next-generation payment products across the globe. Our industry-leading technology and our team of industry experts allow us to not only fulfill our clients' needs but also help define the boundaries of what is possible within our space. We are passionate about creating products that have a positive impact on the markets they serve. We created a unique platform for strategic partners and us to create amazing fintech products and services. We can help you launch a program with our cloud-based platform and processing engine.

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.

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.