Alternatives to Lendflow

Our platform allows you to integrate financial products into your business. Banking Offer FDIC insured banking services to customers with a single seamless integration With ACH transactions, credit card processing and easy deployment, it's easy to move money. Branded Cards You can quickly create customized or white-label cards to promote your brand. Global money transfer Send and receive money across borders in any currency. One embed offer FDIC-insured virtual accounts that customers can use to manage their funds, earn interest and pay bills, send money and receive it all from one place. Alviere's banking technology allows you to easily embed FBO accounts (For-Benefit of) into your platform, so you can offer customized financial services for your clients and employees. FBO accounts allow you to track your finances and use in real-time, which allows you to choose the right services.

Stax provides integrated payment and recurring bill solutions that are simple and industry-leading. Stax Connect is a unique payment ecosystem that allows portfolio growth through technology and monetization. Stax's developer friendly API simplifies the ability for ISVs and their payment processing with a single integration. This provides access to the best-in-class tools required to provide payment acceptance capabilities. Stax Pay offers secure online and in-person credit card processing. A business management platform that helps you manage and grow your company.

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.

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.

Instant Bank Verification is a real-time, user-permissioned service that enables lenders to verify their financial data and aggregation. What can you do with IBV Verify identities of users and reduce fraud. Verify account balances in real-time. Verify employment and understand income. Access transaction history. You can verify the assets of borrowers right from the source. Flexible pricing allows you to only pay for the services you use, making IBV a great choice for loan originations. IBV is ideal for short term lending, retail loan origination, auto financing, property rentals, and other purposes. IBV is powered via an easy-to-integrate web portal that can be added to your existing website or a fully document API. Check out our demo to learn more about IBV.

Boss Insights provides global leading access to business customers’ financial data with a single connection to accounting, banking, commerce, payroll, tax and more (i.e. Quickbooks, Stripe, SalesForce, etc.). It’s used by fintechs and neobanks to gain 60% increased automation, 100% automated scoring, 51% faster funding and 5x faster renewals.

Integrate your application seamlessly with your users’ financial information using a secure and straightforward Open Banking API. Create innovative and captivating products that will delight your users. Their financial data is available in various formats from numerous sources, and we facilitate access to over 90% of personal and business bank accounts across Latin America, including connections to tax agencies and gig economy platforms. With our Connect Widget, you can embed this feature into your product within minutes, allowing you to save valuable development time and concentrate on what truly matters. Our platform is designed with top-tier security measures and is currently in the process of obtaining ISO 27001 certification. Effortlessly connect your users’ financial accounts and enhance their data in just a few simple steps. From lending solutions to smart saving strategies, we’re here to help you develop exactly what your users require. By accessing, aggregating, and analyzing customers’ financial details, such as their income, you can create superior borrowing experiences that meet their needs effectively. Ultimately, our goal is to empower you to deliver exceptional financial solutions.

Payitoff is a fintech firm that specializes in offering innovative debt guidance solutions that can be seamlessly integrated into the services of banks, lenders, and financial wellness providers. Their intuitive platform features both low-code and no-code tools, enabling these institutions to create tailored debt repayment plans for their clients, which not only improves financial results but also boosts customer engagement. By utilizing Payitoff's solutions, organizations gain access to immediate debt account data and can provide meaningful advice, which has been shown to help users save an average of $323 each month on federal student loan repayments. The platform accommodates a variety of debt forms, including student loans, credit cards, mortgages, auto loans, and personal loans, with the goal of turning debt management into a key factor for business growth. By equipping your customers with smart debt guidance, you can ensure they achieve optimal financial results consistently. With just a few simple steps, users can execute in-app actions specifically designed to potentially save them thousands over the course of their repayment period, ultimately leading to a more secure financial future. The ability to effortlessly manage and reduce debt is a significant advantage in today’s financial landscape.

Highline is an innovative payment solution designed to streamline bill payments straight from payroll. By utilizing this platform, lenders can significantly reduce missed payments by as much as two-thirds, which in turn lowers credit losses, broadens the range of credit options available to customers, and enhances overall financial health. Highline accommodates a variety of recurring bill payments, including personal loans, credit cards, rent, and utility bills. With a seamless integration of the Highline API into your customer interface, eligible customers gain immediate access to an improved payment method. This platform effectively manages risk in the background; as soon as a customer's employer processes their paycheck, Highline allocates the necessary funds accordingly. The loan payment is channeled through the customer's virtual Highline account directly to the lender, while the remaining funds are deposited into their checking account as usual. Additionally, this system promotes a more responsible financial behavior by ensuring timely payments are made, thereby fostering a healthier financial future for customers.

The Softloans technology empowers various platforms, including payment service providers, marketplaces, marketing firms, and logistics companies, to extend financing options to their business clients. By offering access to essential working capital, you can help your business customers thrive while simultaneously establishing a new revenue stream for your own enterprise, earning commissions on every loan facilitated. This adaptable solution is designed for quick deployment across Europe and beyond. Softloans enhances profitability for lenders by minimizing the rate of false rejections in loan applications. Tailored for both individual and corporate assessments, it provides distinct advantages, such as identifying risky behaviors like gambling and understanding the financial dynamics of users. Additionally, it offers valuable insights into the customer and supplier landscape, allowing for seamless analysis of operational and financing cash flows. Ultimately, this technology fosters a more informed lending environment, benefiting both lenders and borrowers alike.

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.

Financial institutions are transforming their operational models with a focus on customer-centricity, while fintech companies and developers are exploring innovative market pathways. An open banking platform leverages APIs to enable seamless integration of diverse products and services, fostering creativity and collaboration. By adopting a versatile and scalable one-stop portal, financial institutions can enhance their agility, competitiveness, and drive expansion. Tailor the services to meet your clients' specific needs while delivering the advanced technology that consumers demand in today's digital landscape. With a comprehensive range of reliable banking solutions encompassing Retail Banking, Payments, Lending, Corporate Banking, and Treasury & Capital Markets, Finastra offers the tools necessary for immediate readiness and future adaptability. If you are a developer or a fintech eager to make a market impact, or a financial institution aiming to create innovative offerings for your customers, you can tap into Finastra's core systems APIs to develop new applications or integrate your current solutions seamlessly. Embrace the opportunity to lead in this rapidly evolving financial ecosystem and make a difference today.

Increase your revenue and enhance customer satisfaction by integrating financial capabilities into your product. With Unit handling the complexities of compliance and banking partnerships, you can expedite your development and growth. Utilize our comprehensive suite of APIs, developer resources, and documentation to roll out unique features in as little as five weeks. Tailor your offerings to meet user needs with the adaptable nature of Unit’s API. The platform is not only fast and reliable but also secure, earning the trust of startups, esteemed brands, and publicly listed enterprises alike. Provide seamless financial solutions tailored for freelancers and gig economy participants—including cash advances, automated tax calculations, and integrations with services like Abound and Plaid. By leveraging these tools, you can deliver an exceptional user experience that stands out in the market.

Equipped with embeddable functionalities supported by comprehensive due diligence and an adaptable general ledger, businesses can utilize a cohesive platform that offers essential components necessary for fostering innovation and rolling out top-tier products. Our application builder enables you to tailor your application precisely to your needs. To facilitate a seamless integration process, we will provide a personalized guide and an implementation timeline to outline what you can anticipate. Furthermore, we will establish your sandbox environment for testing and development. You have the option to implement a white-labeled turnkey solution, connect through our API or SDKs, or use various UI widgets to create your own product. Additionally, we can set up the application within your current cloud infrastructure, allowing you to retain complete oversight of computing resources, storage, and version control. Depending on the complexity of your application, deployment can occur in as little as three weeks, reiterating our dedication to assisting you in launching an exceptional product! Moreover, you can combine account verification, linking, and ACH transfers into a single streamlined solution for enhanced efficiency.

Lunch enables businesses on your platform to access seamless net-terms financing with just a click. By integrating flexible payment options for every transaction, you can enhance your platform's growth potential. With Lunch, you gain access to the necessary capital, compliance, and technology through our API, allowing a direct connection to our financing system. You can also benefit from a revenue share whenever your suppliers utilize Lunch for instant capital. The combination of digital payments, immediate capital access, and a user-friendly payments dashboard offers substantial value, strengthening the relationship with your platform users. Traditional payment methods and lengthy approval processes often result in government agencies facing delays of weeks or even months for payments. By incorporating digital payment solutions, buyers on your platform—such as government entities—can enjoy free digital transactions. Additionally, buyers will be able to safely link their bank accounts, enabling them to receive payments digitally from your customers without incurring any fees. This not only streamlines the process but also enhances customer satisfaction.

Gr4vy enables your business to expand and introduce new services and opportunities without incurring additional costs, resources, or development time. Our cloud-based infrastructure streamlines the management of payment methods, services, and transactions in a unified system, while also reducing the risk of single points of failure and shared infrastructure vulnerabilities. By offering everything from local payment options to buy-now-pay-later solutions, Gr4vy enhances customer checkout experiences, allowing for greater flexibility with just a few simple clicks. Our no-code tools facilitate the quick addition, testing, and deployment of new payment providers within minutes, eliminating the need for any development time. With Gr4vy, you only incur costs for the services you actively utilize, promoting a straightforward approach to both our platform and pricing. There are no burdensome flat rates or per-transaction fees; instead, Gr4vy adapts to your business's growth, providing an expanding array of payment options, services, and providers as your needs evolve, ensuring that you are consistently equipped for future challenges. This commitment to flexibility and growth empowers you to focus on what truly matters—driving your business forward.

The integration of embedded finance solutions into the B2B landscape through a unified platform empowers companies, distributors, retailers, and financial institutions to accelerate their growth effectively. actyv.ai combines innovative technology with tailored financial services, addressing the unique needs of all participants in the B2B supply chain. With actyv Go, businesses can swiftly onboard partners through a fully digital process, while actyv Score ensures that decisions are driven by data rather than bias. Furthermore, enterprises can utilize actyv PayLater for embedded buy-now-pay-later options, along with securing their BNPL credit via actyv Insure's manageable plans. The actyv.ai platform delivers measurable advantages to every stakeholder within the B2B ecosystem, facilitating a streamlined onboarding and evaluation process while providing access to comprehensive embedded finance solutions in one cohesive location. This approach not only enhances efficiency but also fosters a more interconnected business environment.

We empower businesses to create and introduce top-tier financial products. Our platform allows for the issuance and management of white-labeled cards tailored for both individual and corporate users. These customizable virtual or physical cards come equipped with adjustable spending limits and no additional fees. Users can also benefit from earning interest on their funds through high-yield savings accounts, with options for either standard savings deposit accounts or dedicated savings sub-accounts. Interest on these accounts is accumulated daily and disbursed monthly. Additionally, we facilitate the servicing and issuance of one-time loans for clients through our developer-friendly APIs, allowing for significant customization with capped annual percentage rates and no penalties for late payments. You can create a tailored payment flow that supports ACH transactions, including both regular and same-day options for initiating debit and credit transfers. Furthermore, our platform provides automated back-end support for both domestic and international wire transfers, ensuring a seamless financial experience for users. This comprehensive suite of services is designed to meet the evolving needs of modern financial operations.

TrueLayer stands out as a premier technology firm that offers secure and worldwide access to financial systems. Our APIs empower developers to create top-tier products that can access data and facilitate payments instantaneously and securely. Established in 2016, TrueLayer has partnered with major global banks, is supported by prominent venture capital firms, and is trusted by leading fintech companies like Monzo, Revolut, and Zopa. By democratizing open banking through our platform, TrueLayer allows developers from various sectors — ranging from emerging startups to large enterprises — to transform financial services. Operating in the UK, Europe, and Australia, TrueLayer simplifies the integration of advanced payments and financial data into any application. Create innovative products that resonate with your users, enabling seamless money transfers at competitive rates while ensuring an exceptional user experience. Our solution eliminates the need for cards, minimizes fraud risks, and avoids chargebacks, ensuring a smooth financial transaction process.

The applicant portal enables small businesses to create comprehensive application packets swiftly. By equipping your financial institution with an advanced loan origination enhancement tool branded for you, users benefit from a smooth and intuitive experience. Tailor our platform to fit your brand identity, guaranteeing that your users enjoy a cohesive and engaging journey. Effortlessly integrate our solution with your existing systems to facilitate a streamlined loan processing procedure. Foster user loyalty and engagement through an easily navigable platform that maintains constant connection with your customers. Enhance loan approval rates by leveraging readiness scoring and tailored suggestions. Utilize data analytics to track applicant preparedness and optimize underwriting performance, ensuring efficiency throughout the loan process. This comprehensive approach not only improves operational efficiency but also enriches the overall customer experience.

We provide wealth as a service. Enhance or refresh your wealth management offerings through a sophisticated platform that integrates effortlessly with your business operations. This facilitates contemporary wealth management delivery. Whether updating existing programs or introducing them for the first time, OneVest enables you to expedite your market entry. By incorporating wealth services into your platform, you can launch quickly without incurring additional overhead costs. Deliver a sleek customer experience and enhance your infrastructure with a comprehensive platform solution. By integrating OneVest's services into your applications, you can provide a state-of-the-art wealth management experience for your clients. Our developer-friendly API facilitates the creation of a tailored wealth management solution. Utilize OneVest's wealth platform as your own, eliminating the need for extensive in-house development. Promote your brand with web and mobile applications that help you reach the market swiftly and smoothly. Moreover, you can efficiently deliver wealth management services alongside your current back-office systems, ensuring a cohesive operational flow. This approach not only boosts your service offerings but also strengthens customer loyalty through enhanced engagement.

Transform how your business and customers see, understand, and act on debt with our industry-leading debt APIs or low code drop-in modules.

Column is a nationally chartered bank specifically designed for developers and builders looking to create cutting-edge financial products. By developing its own core banking system, ledger, and data architecture, Column removes the reliance on traditional middleware, allowing developers to interact directly with the U.S. banking framework. This innovative strategy enables smooth integration with the Federal Reserve, making processes like money transfers, account setups, and card program management remarkably efficient. Among its primary services are ACH origination, wire transfers through FedWire, real-time book transfers, and the capability to open FDIC-insured bank accounts via a straightforward API. Moreover, Column empowers the creation of tailored card programs by providing unique Bank Identification Numbers (BINs) and ensuring compatibility with leading networks and issuer processors. In addition to these services, Column also offers a range of lending products, including loan origination, debt financing, and loan purchase initiatives, further assisting companies in expanding their lending capabilities. With its comprehensive suite of offerings, Column stands out as a valuable partner for those in the financial technology sector.

Layer empowers software companies to introduce accounting solutions tailored for their small and medium-sized business clients. By enhancing user engagement and boosting revenue, you can establish your platform as the primary financial resource for these SMBs. This all-encompassing accounting solution is seamlessly integrated into your existing platform. Merge your internal data with information from customers' external financial accounts to create a comprehensive overview of their accounting needs. You can transmit data directly to Layer using our API, or take advantage of our ready-made integrations with leading embedded fintech providers. Introduce an accounting product that features workflows specifically designed for the size and sector of your clients, steering clear of generic accounting solutions that don’t fit their unique needs. Offer a fully white-labeled experience within your platform, utilizing Layer’s extensive collection of customizable UI components or building on top of Layer’s API for a more personalized interface. By becoming the central system of record for your customers, you can also enhance the attachment rates of your additional financial offerings. Ultimately, Layer positions your platform as an indispensable tool for SMBs, driving loyalty and satisfaction.

Build, enhance, and expand your offerings with straightforward access to a comprehensive financial ecosystem. With features like accounts, foreign exchange, both domestic and international payments, acquiring, and open banking—all provided through a unified, developer-centric API—you can craft innovative customer experiences by seamlessly integrating financial services into your products. This ensures your customers can remain within your ecosystem without needing to navigate elsewhere. Optimize both customer interactions and back-office functions through effortless integration with your current systems. Transition all your services to OpenPayd and take advantage of competitive rates, extensive coverage, cutting-edge technology, and exceptional support. Scale rapidly by tapping into local payment infrastructures, unparalleled foreign exchange management, and an extensive array of global licenses. Facilitating local and international transactions becomes effortless with OpenPayd's extensive global banking network, ensuring you can meet diverse financial needs efficiently. The integration of these services empowers you to deliver outstanding value to your customers while streamlining your operational processes.

The Ninth Wave Platform presents a unified and robust open banking solution that allows financial institutions to share permissioned data securely and efficiently with various third-party applications, such as aggregators, fintech firms, accounting and ERP systems, personal finance management tools, tax preparation software, and other consumer and business applications. By utilizing Ninth Wave, retail and commercial banks, credit unions, wealth managers, and other financial services entities can provide their customers with swift and convenient access to their information on their own terms, available anytime through any chosen application or service. This innovative approach not only enhances the digital experience for users but also fosters greater satisfaction and loyalty, attracts a broader customer base, generates new revenue opportunities, mitigates risks, and ensures compliance with regulatory requirements for clients. Ultimately, Ninth Wave empowers financial institutions to adapt to the evolving landscape of digital banking while maintaining a competitive edge.

We empower our clients to offer financial solutions that enable consumers to access services anytime and anywhere. Central to our operations is technology, which is transforming the business landscape for our fintech partners. We provide streamlined payment solutions encompassing ACH, wire transfers, card disbursement, and money transfers, all facilitated through APIs while ensuring a rigorous emphasis on compliance. Additionally, we offer loan origination services for top marketplace lending platforms, enhancing the accessibility of credit within the market. Our API-driven banking platform, the Cross River operating system, empowers fintechs to seamlessly integrate and utilize a variety of customizable and secure banking services. We also deliver advanced financing options, such as off-balance-sheet and asset-backed credit facilities, designed to support the growth of our partners. Our commitment extends to serving the needs of our communities by providing a personalized, comprehensive banking experience. Furthermore, we employ thorough risk assessments, due diligence, continuous testing, and monitoring to establish a reliable internal compliance management system that ensures trust and security. This holistic approach not only fosters innovation but also strengthens our relationships with clients and consumers alike.

Stripe Treasury serves as a banking-as-a-service API, allowing you to integrate financial services seamlessly into your marketplace or platform. By utilizing just one integration, you can empower your customers to manage funds, settle bills, earn interest, and oversee cash flow effectively. This service offers the essential modular components required to create a comprehensive and scalable financial product tailored to your customer base. Through collaborations with banks, Stripe Treasury facilitates ACH and wire transfers, provides accounts eligible for FDIC insurance, and ensures quicker access to payment funds, all integrated within your platform. You can create an account object with just a single API call, and users can quickly onboard by verifying their identity and establishing an account with one of our partnered banks in a matter of minutes. Additionally, you can set up a reserve of funds and customize the attributes of your financial product as needed. There are various options to transfer funds in and out of accounts, along with the ability to issue personalized payment cards, offering users diverse methods to utilize their funds. In essence, Stripe Treasury is developed in collaboration with a network of banks to enhance your financial offerings. This innovative approach not only simplifies the banking experience but also expands the potential for revenue generation on your platform.

Empower your customers to accept payments directly through your platform while generating revenue from their income streams. You have the ability to set competitive rates for your merchants over interchange, manage your profit margins, and keep the majority of your earnings. Move away from being a mere intermediary! By eliminating MOR liability, dispute management, PCI/data security issues, compliance challenges, and more, you streamline operations significantly. Enjoy easy and adaptable integration through APIs, drop-in widgets, and a customizable user interface. Our unique gateway solution removes the burdensome costs and complexities associated with handling payments internally, allowing you to introduce payment options to your platform while preserving your margins. Provide tailored card-present and eCommerce payment services to meet your customers' specific demands. Don't limit yourself to a single payment processor; instead, select the best solutions available for your clientele. Establish bundled, flat, and interchange-plus rates to maintain a competitive edge for your customers. Additionally, with our services, you gain portability rights over your customers' payment accounts, ensuring flexibility and control moving forward. This approach not only enhances customer satisfaction but also fosters long-term business relationships.

Business transactions can often be cumbersome, leading to wasted time, depleted resources, and potential loss of customers. Our API payment infrastructure streamlines the process, enabling you to effectively automate and integrate payments into your operations. This not only enhances operational efficiency but also serves as a catalyst for revenue growth. You can automate various B2B payment processes such as receivables, payables, collections, and disbursements with ease. By doing so, you will optimize your team's productivity and lower operational expenses. Place payments at the core of your platform, workflows, and customer interactions to truly transform your business. Our solution allows for seamless access to payment schemes across the UK, EU, and international markets, as well as card services, all within your existing software. We provide the essential payment infrastructure you need to develop a leading banking or payment service. With our platform's support, you can accelerate growth and expand your reach. Additionally, securely disburse loans and manage repayments effortlessly into segregated accounts in real-time, around the clock. Ensure your workers are paid promptly and consistently, benefiting from a real-time overview of cash flow, instant emergency payments, and strong approval mechanisms in place. By leveraging our comprehensive solution, you can redefine how payments are handled in your organization.

Our Banking-as-a-Service solution provides all the tools necessary to develop your personalized banking offerings. Solarisbank operates as a tech firm with an official banking license from Germany. By utilizing our user-friendly APIs, you can seamlessly incorporate our comprehensive digital banking features into your existing product. We have successfully navigated the intricate technical and regulatory aspects of the banking landscape, allowing you to concentrate on what truly matters: serving your customers effectively. Leverage our robust APIs to design your customized banking solution. With our Digital Banking and Cards APIs, you can establish your own neobank tailored to your vision. Our B2B2X model ensures that you maintain complete ownership of the customer relationship throughout the process. The straightforward and clear API documentation we provide will enable you to get started in a remarkably short time. Built on cutting-edge RESTful APIs, our Banking-as-a-Service platform can be tailored to meet your specific requirements. We take on the regulatory responsibilities associated with operating a licensed bank, empowering you to prioritize your customers' needs and preferences without distraction. This way, you not only build a banking product but also create a valuable connection with your clientele.

Jaris simplifies the process of providing private-label embedded financial services that small business clients require, all through a single platform. By integrating high-value financial solutions, you can significantly enhance customer satisfaction and loyalty. With Jaris’ specially designed API, you can roll out essential services like Credit as a Service in mere months instead of years. Covering everything from underwriting to financing and support, Jaris offers a comprehensive, full-stack financial solution. Position yourself as an essential partner to your clients by offering user-friendly financial services that are vital to their operations. Ensure that your customers receive modern and rapid financial services at the precise moment and location they need them. By introducing embedded financial solutions, you can capture a larger market share and outpace your competitors. Additionally, you can provide swift, competitive financing options directly within your customer application, ensuring a seamless and innovative experience that keeps clients engaged. This approach not only strengthens client relationships but also positions your business as a leader in financial service offerings.

Simplifying Embedded Finance. Effortlessly integrate financial services into your business through a single, connected no-code platform. While fintech can be complex, we streamline the process to make it user-friendly and easily integrable. Building fintech typically requires navigating numerous contracts, approvals, integrations, and workflows, but with Hydrogen, you can bypass much of the heavy lifting, ultimately reducing both costs and time by 80%! Discover our range of embeddable offerings: Cards, encompassing both physical and virtual card issuance. Issue fully customizable physical and virtual debit cards with our ready-to-use embeddable applications, free from lockups, minimums, or extensive setup processes. Additionally, earn revenue on each transaction! Payments, including ACH, bank authorization, P2P transactions, and roundups, can be seamlessly added to your business through our comprehensive embeddable applications. Enhance your financial management for both personal and business needs by integrating aggregation, accounting, cash flow, and budgeting analytics with our fully customizable embeddable solutions. This powerful combination empowers you to optimize financial operations and enhance customer experiences.

Streamline operations and reduce expenses for your users through a single API integration. Unlock a new source of revenue without any financial risks, as CapitalOS supplies the capital while managing compliance and risk. Experience top-tier card management along with spending controls that effortlessly fit into your application and enhance over time. CapitalOS handles all aspects of compliance, auditing, and licensing, allowing you to concentrate on what you do best. Most businesses can complete the onboarding process in just 2-4 minutes with immediate decisions, and no credit score checks are required. Enjoy aesthetically pleasing mobile and physical cards, while CapitalOS assumes the underwriting risk. Moreover, your platform will not bear any financial liability for the transactions conducted by your business. This ensures that you can innovate and grow without the burden of financial responsibility.

Parafin delivers the essential connective framework that strengthens and sustains financial services. We manage various aspects such as sourcing, underwriting, origination, servicing, compliance, and risk management, among others. Our journey begins with exceptional underwriting practices. Utilizing advanced machine learning models, we analyze data from millions of businesses spanning diverse industries to assess eligibility for offers and optimize the experience for merchants. Additionally, we have developed a sleek, white-labeled user interface that integrates effortlessly into your current platform. We assume the risk and guarantee that our offerings adhere to a multitude of government regulations. By expertly navigating the intricacies of capital markets for you, we ensure a smooth operational flow. Collaborating with top-tier financial institutions, including Jefferies and Silicon Valley Bank, allows us to maintain a consistent influx of funds to support your merchants. Beyond merely providing a framework, our all-inclusive solution delivers a comprehensive financial services program tailored to meet your needs. In essence, we empower businesses through seamless access to capital and compliance, enhancing their overall functionality and market presence.

A straightforward yet robust solution designed for your current business credit card. Instantly generate secure virtual cards tailored for employees, projects, and vendors. The Extend App offers the most user-friendly and secure method to distribute virtual credit cards to your professional network. Innovate the products of the future with our API, which empowers developers with advanced virtual credit card functionalities. By harnessing Extend APIs, a prominent online lender has collaborated with a resort to provide guests with additional payment alternatives. This collaboration allows guests to enjoy an efficient payment method that includes immediate access to flexible term loans for various upgrades and enhanced experiences. Leverage our APIs to develop a diverse range of products in payment, lending, and beyond. An enterprising insurtech has adopted Extend APIs to streamline its payment processes, successfully resolving cash flow challenges for healthcare providers while gaining advantages from automated reconciliation and credit card rewards. As companies continue to innovate and adapt, the potential applications of these APIs are virtually limitless.

Quiltt provides a comprehensive consumer fintech infrastructure that enables anyone to create cutting-edge financial solutions effortlessly. This is achievable without complexity. We have meticulously woven together the essential tools that innovators require to swiftly introduce customer-oriented features such as account linking, budgeting tools, bill management, and more, significantly reducing both time and costs. The Quiltt Connect feature is an embeddable user interface module that offers a rich, contextual financial overview of your clientele. Utilizing the robust Quiltt GraphQL API, Connect is seamlessly integrated with Plaid's top-tier bank data network and Spade's advanced transaction enrichment capabilities. Integrating Connect into your product is as simple as adding a few lines of code, allowing your team to concentrate on developing your key innovations while enhancing the user experience. With Quiltt, launching a financial product that meets modern demands has never been easier.

HUBUC - the embedded financial services powerhouse for non-fintech companies, mainly B2B, to build better products, retain clients and generate more revenue. We are making this possible in three simple ways: - We provide access to developer-friendly, powerful tech stack to our clients through one single API. - We connect fintech capabilities of industry giants such as VISA & Mastercard, issuing banks, innovative FX, security and compliance players to our clients through one contract. - We guide implementation and secure transactions across all 58 markets where we operate.

In various sectors such as education, healthcare, travel, and technology, Flywire offers specialized insights and advanced technology that help organizations enhance the payment experience for their clients while streamlining operational processes, including invoicing and payment reconciliation. By providing a comprehensive solution for receivables, Flywire facilitates educational institutions in efficiently receiving and reconciling payments from individuals across the globe—regardless of the time or location. Furthermore, Flywire revolutionizes payment processes by offering flexible, patient-centered options that cater to financial needs, promoting quicker payments that are advantageous for both parties involved. Additionally, Flywire ensures that your guests and suppliers have access to a secure and user-friendly payment method, allowing you to concentrate on delivering an exceptional experience. Ultimately, this system not only boosts efficiency but also enhances customer satisfaction.

Banxware delivers both the necessary technology and the financial resources for various types of business financing, seamlessly integrated into your platform or available as an affiliate option, all under Banxware's management. Assist your merchants in enhancing their platform revenues by providing them with straightforward access to capital that reflects their latest performance metrics. You take the lead in this process. If you're in search of comprehensive business financing solutions that can be embedded in your platform, just tell us what you need, and we will develop and manage it for you! Enable your merchants to access a cash advance program branded to your platform, which is directly linked to their transaction volume through your payment gateway. This approach can significantly boost merchant revenues within your marketplace. Additionally, you can offer a business lending product that is fully integrated into the merchant portal. We simplify the process of embedding business financing solutions into platforms to make it as effortless as possible. With our services, we can approve payout financing requests in as little as 15 minutes. Banxware empowers platforms to provide financing products tailored to recent financial transaction histories, such as merchant cash advances, ensuring that your merchants always have the support they need to thrive. By utilizing our solutions, you can foster a more robust ecosystem that benefits both your platform and its merchants.

We implement top-tier security measures, advanced technology, and adhere to banking industry standards to ensure optimal security. Our services operate under full compliance with both national and international regulations, guaranteeing legitimacy. They outperform traditional cash methods and can be integrated with both digital and physical cards. We provide your customers with a secure platform to hold cash balances. Enable instantaneous digital cash transfers around the world using digital wallets and prepaid cards. Additionally, we facilitate loans directly to small businesses and consumers through streamlined automated credit processes. Our customer-focused platform is designed to distribute instant funds efficiently. Registration is straightforward, allowing for safe and rapid money transfers internationally. When customers make purchases through your app, website, or store, you can instantly create a virtual account for them, deposit rewards, rebates, and refunds, and these can then be utilized for future transactions, encouraging repeat business. This seamless process not only enhances customer loyalty but also drives sales.

Reduce expenses and enhance your financial flexibility by utilizing Gynger to settle your SaaS invoices in advance, allowing for deferred repayment. Boost your sales potential by providing adaptable financing options that enable potential clients to distribute their payments over a period of 3 to 12 months. Cultivate a robust sales pipeline through the identification of qualified leads who appreciate flexible payment arrangements. Expedite deal closures by presenting financing solutions that cater to prospects facing budget limitations. Enhance customer retention by giving current clients the choice to finance either a portion or the entirety of their renewal fees. By facilitating the acquisition of essential tools with accommodating payment terms—regardless of vendor offerings—Gynger empowers you to secure superior products, optimize cash flow, and extend your financial runway, ultimately contributing to your business’s growth and sustainability. This approach not only ensures access to necessary resources but also fosters a more resilient financial strategy.

Pinwheel is the most trusted payroll connectivity API company. It's used by the largest financial institutions to securely update direct deposit information and access income and employment data. Pinwheel's platform provides a range of products that empower innovators of all sizes to use payroll account connectivity. Direct deposit switching can be a tedious process that involves paper forms and HR teams. Pinwheel's digital drop-in solution makes it simple. You can view a live feed of direct deposit allocations for your customers and be notified when they change. This information can be used to better understand your customers, and to create engaging experiences for them. Access payroll system data to automate income verification and employment verification, improve underwriting models, as well as streamline and automate your business processes. Your customers can pay their loans directly from their paychecks to reduce loss rates and increase serviceability.

Cadana's APIs are utilized by the largest payroll platforms and talent marketplaces to create compliant hiring solutions across Africa, Asia, and Latin America. You can offer Cadana's no-code, white-label solutions under your own brand to your clients. By taking advantage of Cadana’s local expertise and entities, you can effectively manage risks related to local labor non-compliance and fraud. Test the market with a comprehensive product suite, avoiding the hefty costs of development that can reach millions. Minimize operational burdens with Cadana's L1 and L2 support, which facilitates scaling alongside your customers. Tailor and integrate your offerings with existing systems using modular UI components that enhance user experience. Ensure compliant payments to a multitude of local banks, mobile money services, and e-wallets across Africa, Latin America, and Asia. Reduce the risk of fraud through account validation checks and AI-driven transaction monitoring specifically designed for emerging markets. Moreover, you can achieve an average savings of 50% on foreign exchange rates when compared to traditional global payment aggregators, enhancing your business's financial efficiency. This innovative approach not only streamlines payment processes but also builds trust in emerging markets.

Payments integrated into software by experts who understand the software landscape. Every SaaS organization is on the hunt for innovative features or enhancements that can elevate their business to new heights. These enhancements aim to facilitate sales, enhance user satisfaction, and address technical debt, all vying for important spots on the development roadmap. By prioritizing payment monetization, you can potentially double your revenue per customer, giving you the means to expand your development capabilities. Payments encompass a broad range of services, and at Forward, we are continuously introducing new solutions to assist you at any stage of your development. Our journey begins with a complimentary payment consultation; we truly offer it at no cost, ensuring clarity in how you can advance your payment processes. While you might consider establishing your own data center, it's likely you'll opt for a major cloud service provider; think of payments in a similar light. Our dedicated team is here to allow you to concentrate on your core strength: selling software, while we optimize your payment systems for success. With our guidance, you'll be better equipped to navigate the complexities of payment integration and enhance your overall business strategy.

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.

Financial entities, ranging from fintech companies and cryptocurrency exchanges to traditional banks and credit unions, utilize our API to deliver a fully compliant banking framework alongside instantaneous clearing capabilities for their clients. This approach empowers businesses to expand according to their own criteria while maintaining a competitive edge. By leveraging our banking license, you can provide your clients with FSCS-protected accounts. We manage the banking solutions, allowing you to concentrate on building the enterprise your clients envision. Begin processing payments with increased speed and security by linking to our payment schemes through the API. Select from a variety of fully regulated accounts that best suit the needs of your business and its clientele. Our cloud-based API supplies the necessary banking infrastructure, enabling financial institutions to prioritize exceptional service delivery for their customers while remaining relevant in an ever-evolving market landscape. We recognize the challenges posed by outdated systems, including the associated costs and risks that come with innovating within the financial services industry, and we are here to help you navigate these hurdles effectively. Embrace the future of finance with confidence and agility.

Our goal is to assist businesses in creating digital finance products that are user-friendly, innovative, and inclusive, all while minimizing costs and eliminating fraud. Stitch empowers fintech and embedded businesses throughout Africa to efficiently onboard users and facilitate smooth bank-to-bank transactions. Simplify the payment process for your customers with a one-click checkout option, reducing the burden of high card fees. Enhance the onboarding experience for both customers and suppliers, allowing for effortless payments within your marketplace or platform. By using Stitch, payment service providers and aggregators can enable their merchants to provide instant, fraud-free pay-by-bank checkout options at a significantly lower cost compared to traditional card payments. Furthermore, streamline the payout process for customers and suppliers by using the same account linking, making it just as effortless to pay out as it is to receive payments. This comprehensive approach ensures that all transactions are not only efficient but also secure and cost-effective.

BBVA is dedicated to supporting your small business with our top-tier checking accounts specifically designed for your needs. You can earn interest on your business funds while enjoying the peace of mind that comes with our fund-sweeping feature to your checking account whenever necessary. We offer business loans tailored to projects of any size, ensuring you have the financial support that aligns with your business aspirations. Additionally, our Visa® credit card options allow you to manage spending and cash flow effectively while earning rewards on eligible purchases. We provide essential tools to keep your business operations seamless, including advanced POS systems and diverse payment acceptance options. With exclusive offers for BBVA customers, our special programs cater to both businesses and non-profits alike. In challenging times, the resilience of small businesses shines through, and we take pride in being a partner that helps sustain and nurture those aspirations. Together, we can navigate obstacles and transform your business dreams into reality.

Green Dot is a bank holding company that specializes in financial technology, dedicated to making contemporary banking and money transfer services available to everyone. Utilizing our innovative technology, we facilitate quicker and more efficient electronic transactions and financial management, offering users straightforward and seamless methods to spend, send, manage, and save their funds. Our Banking as a Service (BaaS) platform empowers a range of leading consumer and tech companies in the U.S. and abroad to create and implement their own tailored banking and payment solutions. Established in 1999 and based in Pasadena, CA, Green Dot has successfully served over 33 million customers directly, along with many more through our banking partners, and primarily functions as a "branchless bank." This evolution reflects our commitment to enhancing financial accessibility and innovation in the banking sector.