Alternatives to Marqeta

The new standard for online payments. Stripe is the best platform to run an internet business. For forward-thinking businesses all over the globe, we handle billions of dollars annually. Stripe creates the most flexible and powerful tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Stripe is helping millions of innovative technology companies scale faster and more efficiently than ever before. We believe that payments is a problem rooted in code and not finance. We are obsessed with finding elegant, modular abstractions that allow for robust, scalable and flexible integrations. Stripe is easy to use because we remove unnecessary complexity and extraneous detail.

SBS Banking Platform is a flexible, cloud-native solution that empowers financial institutions to scale at their own pace, offering seamless, digital-first experiences anytime and anywhere. As a fully integrated, front-to-back platform, it drives innovation across a wide range of sectors, including retail, corporate, and neobanking. Whether it’s digital and open banking, deposits, payments, lending, or compliance, SBS Banking Platform provides the tools and infrastructure needed for financial institutions across EMEA to stay ahead of the competition. The platform’s versatility allows for tailored solutions, enabling banks to innovate and meet evolving customer demands. Trusted by top-tier banks, SBS Banking Platform is widely recognized by industry leaders such as Gartner, Forrester, NelsonHall, and IBS for its transformative impact on the financial services landscape. Recent accolades, including recognition by Omdia for digital banking, Chartis for regulatory reporting, and NelsonHall for Cloud, SaaS & BPaaS, highlight the platform’s role in driving progress and excellence in the financial sector.

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.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Spreedly, a platform for payments orchestration, is available on the App Store. Organizations that are rapidly growing, entering into new markets, trying to reduce their compliance burden or lowering payments costs, often find they cannot adapt their infrastructure in order to accept payments as their business requires. Our Payments orchestration platform allows customers to create a single integration and route transactions through virtually any combination payment services, without ever touching the card data of end consumers. Secure payment methods with a portable PCI compliant vault. Utilize our vast ecosystem of Spreedly payment services and third-party services to optimize and enable digital transactions. Connect to virtually any payment services via a single API, rather than building complex interfaces. Our experience with billions of transactions can help you improve your payment strategy.

AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more.

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

KAPED is the only provider that offers everything you need to manage your credit card business. You can use all or just a portion of what you need. Stop erroneous applications being sent to your underwriters. Offer travel rewards, cashback, crypto, and discounts plus more! Card issuance, transaction data, & portfolio monitoring. Automate customer service, collections and billing. This is the ultimate reporting tool to track and monitor funds flow. You can speed up the approval of applications by setting your parameters. To see how much revenue you will get, use our profit calculator. KAPED manages your collections and customer service. Earn interchange, cashback, or cardholder fees. For more information, see pricing. Allow your clients to have a no-penalty LOC. You can issue cards in the USA, UK, Canada and Mexico. KAPED is not a bank, but a financial technology company. Our technology allows you to issue branded credit card in just 5 days.

Quickly establish bank accounts, provide cryptocurrency wallets, facilitate payments, and distribute cards to your clients. Solid presents a comprehensive and compliant array of FinTech solutions. You can integrate it in just minutes to craft unprecedented user experiences. With Solid’s Banking as a Service (BaaS), businesses can develop and introduce various deposit offerings, including both business and personal checking accounts. This service encompasses everything from ledgers to statements, providing all the essentials for creating enjoyable banking interactions. The Card Issuance and Management platform from Solid is pioneering, allowing for the issuance of cards that cater to your customers' requirements through a single API. Both physical and virtual credit, debit, and prepaid cards are entirely overseen by Solid. Elevate your customer engagement with a streamlined and robust experience embedded in your product, utilizing Solid's instant account creation API. Additionally, you can quickly issue customized physical and virtual cards, complete with the necessary spending controls using Solid's card API, ensuring that your clients have all the tools they need at their fingertips.

We are a trusted financial technology platform, a driver of innovation, and a leader for card issuance, payments, digital banking, and digital banking. We partner with brilliant thinkers like yours every day to change the way people interact and manage their money. This will help us all build a better future. With our proven platform, you can create, launch, and scale your unique financial services. It is secure and supported right from the beginning. You can create a multi-product solution that includes card issuance and payments, as well as checking, savings, loans, checking, and deposits. All this is possible through industry-leading APIs. Create a customized financial program that meets the needs of your clients. Use our simple tools to optimize and drive continuous innovation for profitable growth and maximum impact.

We manage the entire process of user and bank account creation, customer onboarding, compliance verification, and adherence to regulatory standards. Our commitment ensures that we provide services that meet industry compliance benchmarks while delivering a seamless experience for users. By implementing our comprehensive core banking system, you can introduce innovative and customer-focused banking solutions. We empower businesses to offer efficient payment solutions tailored to their customers' needs. No matter what payment challenges arise, our diverse solutions are equipped to address them effectively. Additionally, we assist organizations and financial institutions in issuing customized physical and virtual cards. By tailoring our card programs to your specific requirements, we ensure that your needs are met precisely. We bridge the gap between finance, technology, and commerce through our extensive capabilities, which include collection technology, payout solutions, merchant plug-ins, and payment gateways, among others. Our all-inclusive solutions take care of the complexities, allowing you to swiftly launch cards, programs, or any financial technology product with ease and efficiency. With our support, businesses can focus on growth while we manage the intricate details of their financial operations.

Nium serves as an accelerator for businesses of all sizes looking to swiftly implement new financial services. With immediate entry to a worldwide network that offers payout, payment acceptance, and card issuance options, you can enhance your offerings for customers, optimize your cash flow, and create your own international payment system. Effortlessly transfer funds globally to vendors, clients, and employees utilizing one of the foremost global networks available. Discover our comprehensive, purpose-designed API suite, engineered for both ease of use and growth potential, allowing for integration within a mere four weeks. Design your international solution with our modular, cloud-based API suite, facilitating the addition of new features and regions as you expand. The use of RESTful design principles, HTTPS authentication, and JSON across our API suite guarantees a straightforward integration process and a dependable platform. Take the time to review the documentation, experiment with our APIs in a sandbox setting, and start prototyping and developing your unique solution that meets your business needs. With Nium, you not only enhance your service offerings but also position your business for sustainable growth in the dynamic financial landscape.

Unlock modern payment solutions through card issuance and management, allowing businesses to make informed payment choices and exercise control over transactions. With instantaneous access to data and streamlined reconciliation processes, all stakeholders remain informed continuously without any need for manual effort. You can utilize our user-friendly dashboard or integrate your own and access our APIs to facilitate payments and reconcile usage data smoothly and securely at no cost. Our cutting-edge, rapid payment infrastructure will enable you to develop the card-based programs essential for your business on the fly. We earn revenue when your satisfied partners conduct transactions using cards issued by your organization. With our open API, we've simplified the traditionally intricate process of payment issuance to just a few lines of code. Should you need assistance, our team of technical experts is readily available to support you. We’re providing all these benefits at no charge and will be launching our sandbox in just a month. Your input on this initiative would be greatly appreciated, as we strive to refine our offerings based on user feedback.

Kobble is a financial technology platform that uses AI-powered modular Banking-as-a-Service solutions to accelerate the launch of new financial products. Our platform enables banks, nonbank financial institutions, fintechs and retailers to create and scale financial products quickly and easily. Kobble's modular design allows you to seamlessly integrate: Apple Pay & Google Wallet • Retail & Corporate Ledger • Virtual account (BSB/Acc and PayID) • Payment rails (DE & NPP, PayTo & Acquiring). • Card issuing: prepaid, debit and bin sponsorship cards • FX / Remittance Services* • Multi-Currency accounts* • Reward & loyalty solutions* • KYC, Liveness, PEP and Sanctions • Personal financial management and enrichment • Transaction monitoring (AML and fraud) monitoring) • Open banking* • White Label Options* • AFSL licensing

NovoPayment’s platform, powered by APIs, offers rapid solutions for digital banking, payments, and card services. Whether you're initiating a new venture, upgrading existing offerings, or broadening your reach across various markets, we equip you with essential onboarding, a digital core, and direct local integrations to maintain agility. Our Visa and Mastercard prepaid, debit, and credit solutions are designed to support the deployment of programs tailored for consumers, small to medium-sized businesses, or corporate clients. With our native and embedded APIs, you can effectively launch both physical and digital card programs backed by robust issuing infrastructure. Users can manage their digital multi-currency accounts in real time, tapping into a range of wholesale FX rates and service providers within our network. We facilitate the instant issuance of virtual and physical cards, catering to both open and closed-loop program requirements tailored to your specific use cases. As payments fuel the growth of successful businesses, we offer a comprehensive suite of payment tools that are essential for navigating the digital economy. With our innovative solutions, you can stay ahead in a rapidly evolving financial landscape.

Grow your business with finance. Accept payments from customers. Automate payments to vendors and employees. Never run out of working capital. You can mix and match products from Razorpay's Payment Suite to suit your business needs. Razorpay is the best way to integrate, onboard online, check out the features, and enjoy the best performance. Razorpay Payment pages is the easiest way for you to accept payments from a custom-branded online shop. Automated payment receipts allow you to accept international and domestic payments. Online shopping is easy with no code. Preparation is key! Hosted Event Registration allows you to quickly register attendees online and send them automated receipts. Fundraising for a worthy cause? Hosted Donations saves time and automatically sends 80G receipts.

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.

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.

At ConnectPay, we offer an all-in-one financial platform that’s been purpose-built to help your online business to scale. By providing an all-in-one, easy-to-use financial platform, we take care of payments, accounts, and basically all things finance so you can focus on what you’re passionate about. We also have a proven track record with leading platforms, marketplaces, and other online businesses. In 2023, we processed over 3.6M transactions averaging €1B per month and we held 101M of client funds. This is what we offer: - Embedded finance (Banking as a Service) - Built-in compliance - IBAN accounts – Business, Personal, and Segregated - Digital wallets - Euro-zone SEPA and SEPA Instant transactions - Cross-border SWIFT payments in 80+ currencies - Multicurrency accounts - VISA Cards – Business, Personal, and white-label - Payment acceptance for merchants - Daily banking ConnectPay is an Electronic Money Institution authorized and regulated by the Central Bank of Lithuania and adheres to the regulatory framework of the European Central Bank.

Conductor stands out as the premier banking-as-a-service and card issuance platform in Latin America. This cutting-edge, cloud-native platform, equipped with an open API, empowers a variety of fintechs, banks, retailers, and enterprises in the region, facilitating the launch and expansion of innovative digital accounts and card initiatives. Currently, Conductor manages more than 85 million accounts and oversees a staggering payment volume exceeding $20 billion throughout Latin America. As a frontrunner in the digital transformation of the payments sector, Conductor's technology allows businesses across multiple industries in Brazil and the wider region to deliver optimal payment solutions to their clients. Additionally, Dock serves as a payment institution that provides an Open Banking platform, enabling other companies to seamlessly offer financial services and efficiently establish their own banks or fintechs in a white-label format. This synergy between Conductor and Dock epitomizes the evolution of financial services, making it easier for businesses to innovate and meet consumer demands.

Priority Commerce presents a comprehensive commerce platform aimed at optimizing revenue and promoting growth through its Priority Commerce Engine (PCE). This platform consolidates various financial services, empowering businesses to efficiently collect, store, lend, and transfer funds. Utilizing tools such as MX Merchant, users can manage billing, sales tracking, and customer interactions in one place, ensuring same-day funding across diverse payment methods like cards, ACH, and cash. Additionally, Priority Commerce accommodates a range of fee-based solutions, allowing for tailored payment processing that meets the unique demands of different businesses. For developers and independent software vendors (ISVs), Priority offers secure and feature-rich APIs that integrate effortlessly into applications, providing low-code or no-code options to accelerate development. Moreover, it automates banking operations, boosts financial transparency, and implements strong security protocols to mitigate fraud risks. This integrated approach not only enhances operational efficiency but also supports businesses in adapting to the evolving marketplace.

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.

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.

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.

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.

Basiq stands at the forefront of open banking technology, empowering developers to create cutting-edge financial applications. Our platform offers secure access to financial data, provided with customer consent, along with robust APIs that reveal critical insights. We are at the helm of shaping the future of financial services, catering to wealth managers, banks, fintechs, and beyond. By utilizing our platform, you can obtain comprehensive and trustworthy banking information, enabling you to craft more engaging and tailored digital banking experiences for users. Our sophisticated income algorithms can accurately pinpoint various income sources, including regular, variable, and casual income streams, which allows for streamlined individual assessments and quicker lending decisions. Additionally, you can enhance your customers’ digital experiences by equipping them with tools to better track their spending habits. With Basiq Enrich, you can analyze each banking transaction to identify the merchant, location, and category, further enriching the financial insights provided to your clients. This level of detail not only elevates user engagement but also fosters a deeper understanding of financial behaviors.

Rapyd is for fintech what the cloud was for IT. We connect companies to all payment methods around the world, enabling frictionless global commerce. This creates new opportunities for both businesses and individuals. So you can create great customer experiences and unlock new markets, we built the largest global local payments network. Rapyd is the fintech equivalent of the cloud. Our Global Payments Network connects you to all the payment methods available around the world. It also provides the infrastructure necessary to create your own fintech solutions like ewallets and cards. Rapyd allows digital sellers in Latin America to accept cash. Online shoppers in Asia can pay using their preferred ewallet. Businesses can also make payments to individuals and companies anywhere in the world. You can reach new markets, create new opportunities, and open new markets with over 900 payment methods in 100 different countries.

Unlimit is a global fintech company offering a vast portfolio of financial services, including payment gateway services, to budding and flourished businesses. The company offers more than 1000 alternative payment methods as well as wide coverage via all major card brands (Visa, Mastercard, JCB, UnionPay, Discover, Diners Club etc.), allowing clients to accept payments from anywhere in the world. Unlimit has 16 offices around the world, with more than 400 employees, and local acquiring options and improved conversion rates in countries of presence. We pride ourselves on keeping our feet on the ground at the local level to provide merchants authentic insight into consumer needs.

Quickly and effortlessly construct, assess, and implement your payment solutions using our modular, "building-block" technology. With more than 100,000 pre-coded functions at your disposal through an intuitive point-and-click interface, you can significantly reduce your time to market while accommodating nearly any use case via our extensive library of over 300 APIs. Seamlessly transfer card details into users' mobile wallets and utilize advanced tools to provide exceptional digital experiences. Experience the benefits of flexibility and control as you rapidly develop and test new programs featuring unique capabilities informed by market feedback, all while scaling your offerings within a platform that is inherently secure, reliable, and contextually aware. Our highly adaptable Agile Processing platform empowers you to create and launch programs with an unmatched variety of features, allowing you to roll out initiatives in as little as 30 days without the need for costly IT infrastructure investments. This streamlined approach not only enhances efficiency but also fosters innovation in the ever-evolving payment landscape.

SlipStream Financial: Corporate Payment Solutions Made Simple. Slipstream Financial is a fintech company that was founded on years of experience in the payment business. We develop treasury-class payment solutions for corporate clients, banks, credit unions and correspondent banks. Our payment gateway has already processed millions of transactions each month in a short period of time. Slipstream Financial has a long way to go before it becomes one of the best payment gateways in the industry.

We empower leading financial institutions, corporations, and FinTech innovators to launch uniquely tailored payment solutions backed by a robust and immediate business rationale. Our approach generates substantial new net revenues and cost reductions through the utilization of our rapid, scalable, and secure API along with a white-label platform designed for targeted implementations. Our proprietary platform, which is interoperable and PCI-DSS certified, is hosted in Tier-4 data centers that guarantee the highest levels of security. Furthermore, Bankable's Virtual Ledger Manager serves as a cloud-based virtual account solution that can be integrated with any bank account, significantly improving cash management for multinational corporations. This versatile multi-bank solution is adept at handling both standardized and proprietary data formats, ensuring seamless processing across various banking institutions. Overall, our offerings not only enhance operational efficiency but also position our clients to capitalize on emerging market opportunities.

Our cutting-edge payment solutions provide organizations with a more seamless, secure, and flexible approach to payment facilitation. We streamline the process of conducting quick, straightforward, and secure money transfers. As the world evolves and shifts toward a more digital landscape, we remain at the forefront by offering easy-to-implement, fully customizable business payment solutions through API technology. Our integrated offerings empower business owners to initiate payments directly from their existing web pages, portals, and apps. Pateno removes the need to familiarize yourself with additional applications, seamlessly merging with your current systems to simplify payment transfers and payouts for businesses, making the process more accessible and less of a burden. These API-driven payment solutions are designed to be highly intuitive, user-friendly, and easy to integrate, while ensuring robust security. We prioritize the safety of your transactions by employing secure APIs and SFTPs, which guarantee safe, encrypted access, transfers, and management, giving you complete peace of mind throughout all payment facilitation processes. This commitment to security and ease of use positions us as leaders in the evolving landscape of business payments.

Simplifying the integration of financial services into applications and customer experiences to the ease of drag and drop. One unified platform provides access to an extensive array of global financial functionalities. A user-friendly API allows developers to effortlessly incorporate worldwide financial services into their applications or customer journeys. This platform also handles billions of dollars in transactions each year, effectively managing your embedded financial services for you. If you possess your own financial licenses and operational capabilities, you can integrate them alongside our services to expand into new markets. With straightforward APIs, you can develop and implement any financial use case into your customer experience seamlessly. You can focus on designing exceptional products, marketing effectively, and engaging your customers while we take care of the technical complexities. Instantly issue virtual debit cards for one-time use, simplifying the management of subscriptions such as Netflix. Furthermore, wage advancement can be integrated smoothly within payroll systems to enhance employee satisfaction. By leveraging these tools, businesses can streamline their financial operations with remarkable efficiency.

Enhance the reach of your banking offerings by utilizing the Interlace platform, which allows you to introduce innovative bundled products and services to both existing and prospective clients via bank or partner channels. Transition accounts from your outdated core systems to our advanced virtual account framework, leading to significant reductions in legacy operational costs. With our modern API-first cloud-native architecture, you can roll out new initiatives in a matter of weeks instead of months, streamlining your processes. Avoid the complexities and expenses associated with core replacements and side-car core projects, while benefiting from real-time processing for accounts, payments, and card transactions to facilitate new offerings. The centralized Interlace Console provides compliance assurance for all programs through banking controls that apply universally across each initiative. Furthermore, our Real-time Settlement Automation guarantees the integrity of the funds flow and removes the need for manual reconciliation of programs, driving efficiency and accuracy in your operations. Moreover, by leveraging our platform, you can stay competitive and responsive in a rapidly evolving financial landscape.

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.

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.

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.

Experience comprehensive solutions for payments, data, and financial management all in one platform. Discover the financial technology system designed to help you achieve your goals swiftly. Seamlessly incorporate additional payment options and expand into new regions with local acquiring capabilities. Enhance customer satisfaction by leveraging insights from multiple channels. Obtain in-depth insights into your operations with consolidated global payment data accessible in a single interface. Safeguard your business by identifying and addressing fraudulent activities while ensuring real transactions remain unaffected. Streamline your financial processes and boost automation through our robust banking framework. This solution is particularly advantageous for platforms and marketplaces aiming to expedite user payouts in their chosen currencies, fostering trust and loyalty among users. Furthermore, the platform enables businesses to adapt to changing market demands with agility.

Highnote serves as a comprehensive platform for card issuance processing and program management, empowering digital-first companies with the ability to seamlessly issue and manage payment cards that drive business growth and enhance profitability. In an era where financial solutions should be future-focused, Highnote offers a developer-friendly platform that simplifies the launch process with pre-designed collateral templates and established banking partnerships, allowing for a swift rollout of financial services. By making complex fintech tasks more manageable, Highnote's issuer processor platform, featuring an unchangeable double-entry accounting ledger, ensures complete oversight and control of both financial and business operations. Designed to evolve alongside your organization, Highnote fosters innovation and opens up new revenue opportunities by providing a holistic solution for card issuance and program management. Additionally, Highnote equips you with the necessary tools to design distinctive card products that resonate with your brand identity, further enhancing your market presence. With Highnote, the possibilities for financial creativity and expansion are virtually limitless.

Lithic simplifies the creation of payment cards for enabling and controlling spending. Lithic's building blocks are designed for developers to reduce time to market and unlock new revenue streams. They can also scale with your business as it grows. Lithic simplifies the process of creating payment cards for customers, optimizing your back-office operations or simplifying your disbursements. You can get started quickly without having to wade through lengthy MSAs and Sales demos. No monthly fees, just a simple pricing structure. Create your card in minutes, and use it immediately.

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.

Integrate financial services into your customer experience and elevate your business offerings using Treezor's white-label solution. As a leader in European banking-as-a-service, Treezor is dedicated to assisting you throughout your payment project, ensuring support at every phase. Our extensive array of financial services addresses all your project needs, while our modular one-stop-shop solution empowers businesses of all sizes, from fintechs to large corporations, to expedite their banking initiatives by outsourcing various payment functions to us. Trust in Treezor's expertise in regulatory compliance, security, and technology to seamlessly incorporate payments into your customer journey. Serving as a dynamic and innovative hub, Treezor fosters the growth of top European fintechs, driving the digital transformation of payment systems. It has become the go-to platform for forward-thinking companies, startups, fintechs, neobanks, and beyond. With a single contract, one API, and streamlined integration, you gain access to a multitude of services and limitless opportunities to enhance your business strategies. This makes Treezor not just a service provider, but a vital partner in your journey towards greater financial innovation.

SUNRATE is a global payment and treasury platform that helps businesses manage their finances. Since its founding in 2016, SUNRATE has been recognised as a leading provider of solutions. Its cutting-edge platform, extensive global network and robust APIs have enabled companies to scale locally and globally, in 150+ countries. SUNRATE has offices in Hong Kong and Jakarta, London, and Shanghai. Its global headquarters is in Singapore.

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.

Bid farewell to the hassle of petty cash, laborious expense reports, cumbersome physical receipts, and lengthy reimbursement processes. You can now quickly provide multi-currency virtual cards to any member of your team. These cards are perfect for online shopping, software subscriptions, vendor payments, or even in-store transactions. You have the flexibility to set specific spending controls for each card you distribute. Need to modify a spending limit or deactivate a card? Just a quick click will do the trick. Team members can seamlessly send receipts via their mobile devices. Your finance department will have instant access to all receipts from the entire team, consolidated in one convenient location. To simplify invoice management, simply forward any incoming invoices to us, and we will take care of extracting the necessary information and processing the payment to the supplier on the specified date. All that’s required from you is to hit ‘Approve’. You’ll receive notifications for every transaction, keeping you informed about all outflows of cash. Additionally, you can take advantage of ready-made spending analytics that can uncover potential areas for cost savings, enhancing your financial management strategy. This streamlined approach not only boosts efficiency but also empowers your team with greater control over their spending.