Newest Embedded Finance Companies Added in the Last 7...

Last 7 days

American Express Sync

Commercial partner program from American Express that lets B2B software companies embed Amex capabilities into their products, including virtual cards with integrated transaction data for U.S. Business and Corporate Card customers.

Earlier this month

Providers added 8–30 days ago, in case the 7-day window is too narrow.

Mambu Lending

Cloud-native lending platform from Mambu for banks, fintechs, and lenders. Mambu Lending supports configurable loan products, origination, servicing, repayments, and API-based integration for consumer, SME, BNPL, mortgage, and embedded finance lending programs.

Keel

UK API-first fintech stack for non-banks and fintech companies, combining core banking, branded card issuing, virtual IBANs, multi-currency accounts, payments, open banking, ledger, and transaction monitoring infrastructure.

Hrmony

Berlin-based digital employee benefits platform offering tax-free German benefit programs — meal allowance (Essenszuschuss), Sachbezug goods vouchers, mobility, internet and special-occasion gifts — administered through a single admin portal for HR and payroll teams.

Vestwell

Modern workplace savings platform for retirement, education, emergency savings, ABLE, and government savings programs. Vestwell helps employers, advisors, payroll and benefit partners, financial institutions, and government agencies offer savings products with payroll sync, compliance, administration, and participant support.

Kriya

UK embedded B2B payments and lending platform (formerly MarketFinance / MarketInvoice), acquired by Allica Bank in October 2025. Kriya offers B2B Buy Now Pay Later, instant invoice finance, and business loans via APIs and white-label flows so marketplaces, B2B platforms, and merchants can offer trade credit and pay-later terms at checkout.

Remitian

Embedded tax payment execution infrastructure. Remitian provides API-first and platform-based access for accounting firms, software platforms, and financial institutions to initiate, validate, and confirm tax payments across jurisdictions, with webhook-based status events, jurisdiction routing, and end-to-end payment tracking. SOC 2 Type II compliant.

Kayna

Data-led embedded insurance distribution infrastructure for vertical SaaS platforms. Kayna integrates a low-code, non-intrusive widget into SaaS products so platform customers (typically SMBs) receive tailored insurance proposals derived from their platform data, with automated form-filling and policy update alerts. Backed by global insurer and broker partners including WTW (Willis Towers Watson), AEGIS London, and Markel; raised €1.5M seed in 2026 to expand in the UK and US.

Froda Embedded

Swedish embedded finance platform that lets banks, neobanks, fintechs, PSPs and platforms offer white-label SME financing under their own brand. Froda Embedded handles the full lending stack — applications, automated credit assessments, real-time payouts, repayments, reporting, and even the underlying credit risk and funding. As a licensed credit institute regulated by the Swedish FSA (Finansinspektionen), Froda operates across the EEA and is backed by the European Investment Fund (EIF) with €500M in micro-finance guarantees. The platform is also a Visa Ready affiliate.

Qonto Embed

Embedded banking platform from European business-banking leader Qonto, letting SaaS, ERP, accounting and vertical platforms add white-label business accounts, co-branded cards (Card-as-a-Service) and payment flows on top of Qonto's regulated infrastructure. The API suite covers fast-track onboarding for existing companies, multi-organization account hierarchies with sub-accounts and dedicated IBANs, SEPA / bulk / international transfers in 30+ currencies, virtual & physical cards with Apple Pay and Google Pay, expense management and approval workflows, e-invoicing and supplier-invoice processing, transaction matching and monthly statements. Authentication is OAuth2.0 with real-time webhooks, API key management and separate sandbox / production environments, plus a Qonto-branded developer portal with OpenAPI specs. Operates a profit-sharing model (no setup or monthly fees; partners earn a % of Qonto's MRR per new account & card) and is available across Qonto's eight European markets — France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium and Austria. Qonto SA is a licensed payment institution authorized by the French ACPR (n° 16958).

Rollfi

Embedded payroll and benefits platform from Rollfi, a division of Priority (Nasdaq: PRTH). Lets vertical SaaS, fintechs, banks, accounting platforms, staffing companies, and marketplaces offer W-2 and 1099 payroll across all 50 U.S. states, federal/state/local tax compliance, and group benefits (health, dental, vision, life) under their own brand. Available as a white-label product, an embedded ('Walk') experience, or a fully custom API ('Run') integration.

ConnectPay

Lithuanian Electronic Money Institution (EMI License No. 24, regulated by the Bank of Lithuania) providing modular embedded finance infrastructure for European SaaS platforms, marketplaces, and fintechs. Combines IBAN accounts, SEPA & SWIFT payments, card acquiring/issuing, open banking, and built-in AML/compliance under a single API.

Payoneer

Global cross-border payments and payouts platform serving SMBs, marketplaces, and enterprises in 190+ countries. Payoneer's embedded APIs let platforms onboard sellers, send mass payouts in 70+ currencies, issue cards, and manage receivables through local receiving accounts.

Fiserv (Embedded Finance Solutions)

Fortune 500 financial technology company providing enterprise-grade embedded finance infrastructure to banks, large brands, and platforms. Combines core banking (Finxact), issuer processing (Optis), merchant acquiring (Carat, Clover), and money movement under a unified APIs-and-services stack with deep regulatory and bank-network coverage.

Uprise

Embedded tax filing and financial advisory for SMB platforms. Uprise lets fintechs and vertical SaaS apps offer white-labeled premium tax preparation and CFP-led financial planning to small business owners, freelancers, creators, and other self-employed customers, with the goal of increasing platform retention and revenue per user. Operated by Ontrail, Inc. (advisory delivered via Uprise Advisers LLC, a registered investment adviser).

Edenred Payment Solutions

UK and EU embedded finance, digital banking, and card-issuing platform from the Edenred group (formerly PrePay Solutions / PPS). An Electronic Money Institution regulated by the FCA in the UK and the NBB in Belgium, and a Mastercard and Visa primary issuer. Edenred Payment Solutions provides a suite of APIs covering accounts and payments (including Faster Payments and SEPA), virtual and physical card issuing with tokenisation for Apple Pay, Google Pay and Samsung Pay, BIN sponsorship, and in-house Mastercard processing — handling €35bn+ in transactions in 2022. Headquartered in London with offices in Swindon, Brussels and Issy-les-Moulineaux.

Suby

Global payment platform for international businesses and creators. Suby lets SaaS, e-commerce, agencies, freelancers, and Discord/Telegram communities accept card and crypto payments worldwide and settle directly in USDC — bypassing local bank accounts, FX fees, and SWIFT delays. Card payments are processed through a PCI-DSS Level 1–certified partner at a flat 4% fee, with built-in fraud protection (behavioral anti-bot, anti-card-testing velocity controls, server-side device fingerprinting), automatic tax detection at checkout, and one-time or recurring subscription billing. Integration options include shareable Paylinks, an API checkout, and webhooks, plus native Discord and Telegram role-management for paid communities. Operated by Suby SAS, Paris.

OpenPay

AI platform for subscription businesses combining smart payment routing across multiple processors, real-time subscription analytics, and AI-driven retention/recovery. OpenPay routes each transaction through the best processor to lower fees and lift acceptance, surfaces MRR/ARR/LTV/churn metrics with cohort analysis, and recovers failed payments through smart retries, dunning, and personalised offers. Sits on top of existing processors (Stripe, Adyen, Airwallex, Checkout.com, Authorize.Net, PaySafe, Pockyt) so merchants can consolidate billing, analytics, and optimisation into one stack. Acquired by Airwallex.

Mangopay

EU-licensed payment infrastructure built for multi-party platforms and marketplaces. Mangopay's wallet-based architecture lets platforms create unlimited end-user wallets, attach virtual IBANs, hold balances in multiple currencies, and orchestrate complex pay-in, split, escrow, refund, and payout flows from a single integration. Adds native multi-currency accounts, FX, identity verification, and fraud tooling so platforms can monetise payments (FX margins, wallet transactions) without third-party reliance. 207M+ wallets created and €68B+ processed; powers Vinted, Wallapop, Rakuten France, Malt, ManoMano, Mirakl, and Debenhams.

Integrated Finance

UK-based modular fintech infrastructure platform that turns customer-facing platforms into a financial operating system. Integrated Finance orchestrates regulated suppliers (ClearBank, Currencycloud, Thredd and others) behind a unified API spanning accounts, cards, compliance, FX, and payment initiation — letting digital banks, lenders, and investment fintechs go from contract to live transactions in weeks rather than 12–18 months. Founded in 2019 by Alistair Cotton (CEO), Daniel Cronin (COO), Koray Argun (CPO), and Canay Özel (CTO) after experiencing first-hand the pain of stitching together compliance, banking, and fintech integrations.

Lemonero

Czech embedded finance platform providing revenue-based financing to ecommerce SMBs through partner ecommerce platforms, marketplaces, and payment gateways. Backed by Komerční banka (KB Smart Solutions).

GreenSky

Atlanta-based embedded point-of-sale lending platform for home-improvement, healthcare, and other merchant categories. Pioneer of the merchant-financed promotional payments model. IPO'd on NYSE in 2018 (GSKY); acquired by Goldman Sachs in 2022; sold to a Sixth Street-led consortium in 2024.

Lendflow

Austin-based embedded credit infrastructure platform that lets software companies, SaaS platforms, and vertical SaaS embed lending products into their applications via API.

Rupifi

Bengaluru-based B2B embedded credit platform integrating with B2B marketplaces and supply-chain platforms across India to offer credit lines and BNPL to SMB buyers.

Square

SMB-focused embedded financial-services platform from Block, Inc. Offers payments (Square POS, Square Online), business loans (Square Loans), business banking (Square Banking), and developer APIs for ISVs. This entry covers the Square SMB platform; Cash App (Block's consumer arm) is intentionally excluded.

Softloans

Lithuanian embedded lending platform providing revenue-based financing infrastructure to banks, PSPs, SaaS platforms, and ecommerce ecosystems. Operates across Europe with offices in Vilnius (HQ), Romania, and Latvia. Raised €1M pre-seed in April 2024.

Vartana

San Francisco-based embedded vendor financing platform that enables B2B SaaS and enterprise software companies to offer multi-year financing terms to their customers, accelerating sales cycles and unlocking annual prepayments.

Vaya

New York-based embedded vertical credit platform for small-business-focused vertical SaaS companies. Provides no-code/low-code tools to embed contextual credit products into core software workflows; Vaya handles capital, risk, and compliance.

Peeled

London-based API-based embedded lending platform that connects consumer brands with lenders, enabling brands to launch white-labeled lending products via plug-and-connect integration. Multi-tenant, multi-brand, multi-currency.

Stripe Issuing

Card issuing platform from Stripe for launching virtual and physical commercial card programmes. Customise card designs, set dynamic spend controls, authorise transactions in real time, and push cards to digital wallets — with Stripe's bank partners and compliance team behind the programme.

Spade

Real-time card-transaction enrichment and merchant intelligence for issuers, banks, and fintechs. Spade returns clean merchant names, exact geolocation, MCC, and a stable merchant ID at sub-50ms P99 latency — fast enough to use inside the authorization decision. Used to power smarter risk and authorization, accurate rewards attribution, and customer-facing transaction feeds that move disputes from chargebacks to direct merchant contact.

Ntropy

LLM-powered transaction enrichment and categorization API for consumer and business bank transactions. Ntropy turns raw bank descriptors into clean merchant names, MCC-style categories, recurring-payment detection, and counterparty identification — used by neobanks, lenders, and accounting platforms for underwriting, accounting automation, and personal-finance UX.

Heron Data

Transaction enrichment and categorization for SMB lenders and underwriters. Heron Data classifies business bank transactions, detects revenue and recurring expenses, and surfaces cash-flow signals so working-capital lenders can underwrite faster. Used by embedded-lending platforms and SMB credit providers in the US and UK.

Dateio

Largest European card-linked marketing and transaction enrichment ecosystem. Dateio's two products serve different layers of the payment-data stack: Tapix is the transaction-enrichment API (clean merchant names, logos, MCCs, geolocation) used by banks to power transaction feeds in mobile apps, and Dateio Platform is a card-linked marketing engine that turns enriched transaction data into cashback rewards. Trusted by 50+ European banks and fintechs across 80+ markets, with 73M+ end customers engaging with the data daily.

Tilled

Boulder, Colorado-based PayFac-as-a-Service for software companies. Tilled offers a developer-friendly API, free sandbox, and turnkey white-label infrastructure for SaaS and vertical software platforms to embed card-present and online payments across the U.S. and Canada.

Xplor

Global software and embedded payments platform formed by the merger of TSG and Clearent. Xplor Pay delivers full-service embedded payments for vertical SaaS in fitness, field services, education, and golf, while Xplor Capital provides embedded financing for SaaS providers.

Embed

Amsterdam-based embedded payments infrastructure for vertical SaaS platforms. Embed B.V. is licensed as a payment institution by De Nederlandsche Bank and passported across the EEA, while Embed Pay Ltd is authorised by the UK FCA as a Small Electronic Money Institution (FRN: 1035264). The platform offers phased merchant onboarding, multi-party balance accounts, virtual IBANs and unified online plus point-of-sale commerce through a single integration.

Wyzia

North American real-time B2B payment infrastructure that gives businesses a unified API to process payments at multiple speeds across RTP, FedNow, ACH, Zelle, Visa Direct, and Mastercard Send. With $8B+ processed annually and approval as a Zelle Third-Party Sender for real-time B2C payments, Wyzia adds intelligent routing, settlement timing, and built-in exception handling on top of every rail.

TrueLayer

European open banking platform for data aggregation and account-to-account payments. TrueLayer's APIs cover 19+ countries under PSD2/PSD3, powering Pay-by-Bank flows for marketplaces and fintechs that want to bypass card rails. Used by Revolut, Trading 212, and many UK challengers.

Yapily

API-first open banking infrastructure for Europe with no consumer-facing UI—platforms own the entire user experience. Yapily covers 19+ markets across the UK and EU, offering account data, payment initiation, and variable recurring payments (VRP). Acquired Finpoint in 2022 to expand SME credit data.

Klarna Kosma

Klarna's open banking arm, spun out as a B2B platform in 2022. Kosma offers PSD2 account information and payment initiation services across Europe and the UK. Combines Klarna's existing connectivity infrastructure (built originally for SOFORT) with a developer-facing API offered to other fintechs and lenders.

Codat

Universal API for SMB business data—accounting, banking, commerce, and HR. Codat connects platforms to QuickBooks, Xero, NetSuite, Sage, and dozens more so lenders, B2B fintechs, and challenger banks can underwrite, reconcile, and onboard SMBs without bespoke integrations. The accounting/ERP equivalent of what Plaid did for consumer bank accounts.

Rutter

Universal API for commerce data—Shopify, Amazon, BigCommerce, WooCommerce, eBay, Walmart, and 30+ more. Rutter normalises orders, inventory, customers, and transactions so lenders, B2B SaaS, and accounting platforms can ingest commerce data without building each integration. Heavily used by revenue-based-financing lenders and e-commerce-focused expense tools.

Merge

Unified API across HRIS, ATS, CRM, accounting, ticketing, and file storage—220+ integrations behind a single contract. Merge is the unified-API category leader in the US: one auth, one data model, one webhook stream for every integration. Used by SaaS companies that need to support dozens of customer-system integrations without growing the integration team linearly.

Finch

Unified API for employment data—payroll, HR, benefits, and time-tracking systems. Finch connects to ADP, Gusto, Paychex, Rippling, Workday, and 200+ more, so lenders, insurance carriers, and benefits platforms can read (and increasingly write) employment data with a single integration. Strong in benefits administration, EWA, and SMB lending.

Chift

Belgian unified API for European business software—accounting, invoicing, e-commerce, POS, payments, banking, and property management systems. Chift operates 50+ live connectors used by European fintechs and SMB platforms (Pennylane, Qonto, Pleo, Mollie, Agicap) to integrate customer-facing financial tools without building each connection in-house. Raised €2.3M seed in 2024 led by Entourage.

Sage Expense Management Embedded (formerly Fyle)

Embedded expense management (white-label and Expense API) operated by Fyle and marketed as Sage Expense Management. Offers real-time Visa, Mastercard, and American Express transaction feeds, SMS-based conversational AI receipt capture, policies, reimbursements, and accounting sync for banks, card issuers, payroll/HCM, travel, and vertical SaaS.

Emburse Embedded

Global spend and expense management platform with a partner programme for embedded and white-label distribution. The Emburse Cards API exposes virtual card issuing, transaction categorization, budgets, policies, and ERP/accounting connectivity for ecosystem, technology, and network partners.

Klippa (Doxis DocHorizon)

Intelligent document processing and embedded expense infrastructure (now part of Doxis / SER Group). DocHorizon exposes OCR, IDP, classification, fraud detection, and a mobile scanning SDK so banks, accounting, ERP, and SaaS platforms can embed receipt and invoice capture, while SpendControl offers a white-label expense product on top of the same engine.

Wallester

Visa Principal Member and licensed Estonian payment institution providing card issuing, multi-currency IBAN accounts, and embedded spend-control for businesses and partner platforms. A developer REST API exposes card creation, limits, transactions, and accounting integrations, sitting at the seam between card issuing and embedded expense management.

Veryfi

Embedded document intelligence for expense and AP workflows. Veryfi provides white-label OCR APIs, mobile and browser SDKs, document classification, and fraud detection so fintechs, expense platforms, banks, and back-office automation tools can capture receipts, invoices, checks, credit cards, and W-2/W-9 documents with high accuracy.

Wise Platform

Embedded cross-border payments and accounts infrastructure from Wise (formerly TransferWise). Banks, financial institutions, platforms, and enterprises plug Wise Platform into their products via API or Swift to offer global payouts, multi-currency accounts, card issuing, and FX with direct access to local rails in 8+ markets, covering 160+ countries and 40+ currencies.

Paymentology

Global card issuer processing and program management for digital banks, fintechs, and enterprises. Cloud platform for debit, prepaid, credit, and virtual cards with tokenization, BIN sponsorship, and real-time transaction intelligence so platforms can embed card payments without building direct scheme connectivity.

Alpaca

Brokerage-as-a-Service infrastructure for embedded investing. Alpaca is a US-licensed broker-dealer (FINRA/SIPC) offering commission-free APIs for stocks, ETFs, options, fractional shares, and crypto—used by neobanks, fintechs, and global platforms to launch trading in days.

Apex Fintech Solutions

Investing infrastructure for the digital wealth ecosystem. Apex provides custody, clearing, execution, and digital onboarding APIs that power many of the largest US neobanks, robo-advisors, and brokerage apps. FINRA-registered broker-dealer with fractional shares, IRAs, alternative assets, and crypto support.

Upvest

European Investing-as-a-Service provider. Upvest holds a German MiFID II investment firm license and offers a single API for onboarding, custody, trading, fractional shares, and reporting across European equities and ETFs. Used by leading European neobanks to embed investing.

Lemon.markets

Berlin-based Brokerage-as-a-Service for embedded investing in Europe. Lemon.markets offers a developer-first API for stock and ETF trading, custody, and account servicing under a BaFin-supervised framework, targeting fintechs and platforms that want to launch investing without becoming a regulated broker.

Bambu

White-label robo-advisor and digital wealth platform. Bambu provides goal-based investing, portfolio construction, and rebalancing software that banks, asset managers, and platforms can embed via SDKs and APIs—often paired with a brokerage-as-a-service partner for execution and custody.

Benbase

AI-native employee benefits broker with human advisors. Offers major medical, ICHRA, level-funded and self-funded plans, dental, vision, life, disability, mental health, fertility, and FSAs—with AI-powered year-round administration. Partners with embedded payroll platforms (including Check) so software companies can add embedded group benefits with automatic census and deduction sync. Insurance services through Benbase Insurance Services, LLC (NPN 21123139), San Francisco.

Chubb

Global property and casualty insurer offering embedded insurance via Chubb Studio—APIs, SDKs, and partner programs to integrate cyber, travel, life, small-business, and lifestyle coverage into digital platforms, financial institutions, retail, telecom, and travel journeys.

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