Vendor directory

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87 embedded-finance vendors, each profiled under the same editorial methodology. Vendor money never moves a ranking.

Payments 21 vendors Lending & Financing 25 vendors Accounts & Cards 10 vendors Insurance & Protection 2 vendors Payroll & Earned Wage Access 12 vendors Embedded Finance Infrastructure 17 vendors Not sure yet — start with the diagnostic

Adyen for Platforms Embedded payments and financial services platform enabling marketplaces and SaaS platforms to onboard users, process payments, manage payouts, and offer financial products globally.

Lending & Financing

Affirm Embedded BNPL and installment lending platform letting merchants offer 0–36% APR pay-over-time at checkout.

Lending & Financing

Afterpay Buy Now Pay Later checkout for merchants: Pay-in-4, zero interest, via the Block and Cash App ecosystem.

Insurance & Protection

Authentic Insurance Turnkey captive insurance platform enabling SaaS platforms to launch branded insurance programs for their customers in weeks.

Balance B2B checkout with embedded net terms, BNPL, and AI-powered credit for merchants and marketplaces.

Lending & Financing

Billie Europe's leading B2B BNPL platform — merchants get paid upfront, business buyers pay on flexible invoice terms.

Bolt One-click checkout network for ecommerce — converts shoppers faster across 80M+ verified accounts.

Accounts & Cards

Bond Card issuing and banking platform for embedded finance.

Embedded Finance Infrastructure

BR-DGE Independent payments orchestration platform connecting 400+ PSPs via single API for enterprise merchants.

Payroll & Earned Wage Access

Branch Workforce payments platform with embedded digital wallets, instant pay, and Mastercard debit cards.

Accounts & Cards

Brex Embedded Embed Brex's global corporate card and payments infrastructure into your B2B software platform.

Accounts & Cards

CapitalOS Embedded spend management infrastructure for B2B platforms to launch branded corporate cards via API.

Payroll & Earned Wage Access

Check Embedded payroll API that lets software platforms add full-service payroll, tax filing included, in weeks.

Lending & Financing

Clair Embedded earned wage access and digital banking that lives natively inside payroll and HR platforms.

Lending & Financing

DailyPay Enterprise earned wage access with deep HCM integrations and an embedded API for HCM vendors.

dhango Payments middleware for SaaS platforms to embed cards, ACH, and check processing via a single white-label API.

Embedded Finance Infrastructure

Disputifier AI-powered chargeback automation for Shopify merchants — prevent, fight, and recover disputes hands-free.

Dwolla (Dwolla Connect) Unified ACH, Same Day ACH, RTP, and FedNow API for platforms and enterprises that embed bank payments at scale.

Embedded Finance Infrastructure

EasyTeam Shopify-native team management and payroll for retail, plus an embedded version for software platforms.

Payroll & Earned Wage Access

Everee Embedded payroll-as-a-service plus direct payroll product for staffing, gig, and hourly workforces.

Embedded Finance Infrastructure

Finch Unified employment API connecting fintechs to 250+ payroll and HRIS systems for data and write-back.

Finix Full-stack payment infrastructure enabling platforms to own payment processing and economics.

Embedded Finance Infrastructure

Flexibl Payment analytics platform for vertical SaaS — optimize processor costs, reconcile transactions, and uncover margin risks.

Embedded Finance Infrastructure

Fluxmap AI payment intelligence for Stripe Connect platforms — exposing hidden fees and margin leakage in real time.

FlyCode AI-powered failed payment recovery platform that helps subscription businesses reduce involuntary churn.

Embedded Finance Infrastructure

Forter AI-powered identity intelligence platform that blocks fraud and increases authorization rates for enterprise digital commerce.

Embedded Finance Infrastructure

Gr4vy Cloud-native payments orchestration giving enterprises single-tenant control over multi-PSP routing, vaulting, and checkout.

Payroll & Earned Wage Access

Gusto Embedded Gusto's API and white-label UI flows that let vertical SaaS platforms embed full US payroll.

Lending & Financing

Hokodo European B2B BNPL with FCA + EU EMI licenses, in-house credit, and Lloyd's of London insurance backing.

Lending & Financing

Immediate Employer-embedded earned wage access for senior living, healthcare, and SMB workforces.

Embedded Finance Infrastructure

Increase Enterprise-grade banking APIs giving technology companies direct access to Federal Reserve, Visa, and Clearing House rails.

Infinicept Payment operations platform enabling software companies to embed payments and become payment facilitators

Embedded Finance Infrastructure

IXOPAY Enterprise payment orchestration platform with multi-acquirer routing, tokenization, and AI payments intelligence.

Lending & Financing

Jaris Single-integration embedded finance suite — loans, instant payouts, and banking — for ISOs, processors, and SaaS platforms.

Juspay / Hyperswitch Payments orchestration platform giving enterprises full-stack control over routing and checkout across 300+ PSPs.

JustiFi White-label embedded payments and fintech infrastructure for vertical SaaS platforms and franchise networks.

Embedded Finance Infrastructure

Justt AI-native chargeback automation platform that recovers lost revenue for merchants at scale.

Lending & Financing

Kanmon Turnkey embedded lending stack that lets vertical SaaS platforms offer working capital to SMBs without credit risk.

Payroll & Earned Wage Access

Keeper Earned wage access for healthcare, home care, and skilled nursing workforces with white-label embed.

Lending & Financing

Klarna Global BNPL platform with EU banking license offering Pay-in-4, Pay-in-30, and installment financing.

Knot API platform that lets banks and fintechs automatically update card-on-file at hundreds of merchants.

Lending & Financing

Kriya UK B2B BNPL and invoice finance — Stripe's first B2B PayLater partner, acquired by Allica Bank in 2025.

Lending & Financing

Lendflow Embedded lending infrastructure for platforms.

Lending & Financing

Liberis Embeds revenue-based SMB funding into payment processors, marketplaces, and vertical SaaS via API or hosted white-label.

Accounts & Cards

Lithic Developer-first card issuing platform for fintechs to launch debit, prepaid, and credit programs via API.

Accounts & Cards

Marqeta Modern card issuing platform with real-time controls and rich data.

Accounts & Cards

Mesh Payments Corporate travel, expense, and virtual card platform for mid-market and enterprise companies globally.

Modern Treasury One API for multi-rail payments (ACH, wires, RTP, FedNow, stablecoins) with a built-in double-entry ledger.

Lending & Financing

Mondu B2B Buy Now Pay Later platform for European merchants — checkout-integrated credit with full risk transfer.

Moov Embedded money movement platform for platforms.

Payroll & Earned Wage Access

Nmbr Canada's first embedded payroll infrastructure API, purpose-built for Canadian tax and compliance.

NMI White-label embedded payments platform enabling ISOs, ISVs, and PayFacs to monetize payments and merchant lifecycle.

Embedded Finance Infrastructure

Pagos Payments intelligence platform that harmonizes multi-processor data into analytics, monitoring, and optimization.

Lending & Financing

Parafin AI-powered embedded capital, spend cards, and pay-over-time for marketplaces and vertical SaaS serving small businesses.

Payabli Embedded payments infrastructure for vertical SaaS — Pay In, Pay Out, and Pay Ops in a single unified API platform.

Payroll & Earned Wage Access

Payactiv Employer-integrated earned wage access via non-recourse factoring, with B Corp and 70+ HCM partners.

Lending & Financing

Pipe Embedded working capital advances and business charge cards for vertical SaaS, PayFacs, and marketplaces serving SMBs.

Embedded Finance Infrastructure

Plaid Financial data connectivity and verification platform.

Embedded Finance Infrastructure

Primer Payments orchestration platform unifying PSPs, routing, and fraud into one API layer for global merchants.

Embedded Finance Infrastructure

ProcessOut Payment orchestration and analytics platform for routing, monitoring, and optimizing multi-PSP transactions.

Rainforest Pay PayFac-as-a-Service platform enabling vertical SaaS to embed payments without compliance burden.

Lending & Financing

Resolve Affirm spinout for B2B net 30/60/90 terms — embedded checkout, AI underwriting, and non-recourse AR.

Ryft FCA-licensed embedded payments and split payment infrastructure for UK and European marketplaces and SaaS.

Payroll & Earned Wage Access

Salsa Embedded payroll infrastructure that lets software platforms launch fully integrated payroll products with one API.

Lending & Financing

Sezzle Public US/Canada BNPL with WebBank sponsorship, B Corp certification, and major retail merchant footprint.

Lending & Financing

Slope Embedded Capital AI-powered embedded B2B financing — net terms and credit lines — for marketplaces and platforms at checkout.

Lending & Financing

Splitit White-label BNPL that splits purchases into installments on the shopper's existing credit card — no new loan.

Embedded Finance Infrastructure

Spreedly Single API to orchestrate multi-gateway payments, vault card data, and optimize authorization rates globally.

Payroll & Earned Wage Access

Stream (formerly Wagestream) Global workplace finance platform (formerly Wagestream) with EWA, savings, and embedded HCM partners.

Stripe Connect Payment facilitation platform enabling marketplaces to onboard, verify, and pay out sellers globally with embedded compliance.

Accounts & Cards

Stripe Issuing API-first card issuing platform for software platforms to create virtual and physical Visa/Mastercard cards.

Accounts & Cards

Stripe Treasury Banking-as-a-service for platforms. Offer bank accounts, cards, and money movement.

Accounts & Cards

Synctera BaaS platform connecting fintechs to sponsor banks for embedded banking, card issuing, and compliance.

Lending & Financing

Tabit Canadian B2B BNPL providing net terms to wholesale and ecommerce merchants — a Merchant Growth product.

Lending & Financing

Tapcheck Earned wage access platform integrated with 300+ payroll systems for employers and white-label partners.

Tilled PayFac-as-a-Service platform enabling software companies to embed, monitor, and monetize merchant payments across the US and Canada.

Token.io A2A open banking payments infrastructure enabling banks and PSPs to launch Pay by Bank across UK and Europe.

Lending & Financing

Two B2B Buy Now Pay Later with sub-2-second credit decisions, Allianz Trade insurance, and Santander partnership.

Accounts & Cards

Unit Embedded finance infrastructure enabling software platforms to launch banking, lending, and payments in weeks.

Insurance & Protection

Vertical Insure Embedded insurance platform enabling vertical SaaS platforms to offer tailored coverage at point of sale.

Payroll & Earned Wage Access

Worklio White-label HRIS and payroll platform that PEOs, ASOs, and software companies resell under their brand.

Worldpay for Platforms (formerly Payrix) Embedded payment facilitation platform helping SaaS companies monetize payments, manage compliance, and grow.

Lending & Financing

YouLend Embedded revenue-based financing platform enabling businesses to offer flexible funding to merchants and SMEs

Embedded Finance Infrastructure

Yuno LATAM-born payments orchestration OS connecting 1,000+ payment methods globally via a single API.

Payroll & Earned Wage Access

ZayZoon Embedded earned wage access for SMBs with 300+ payroll integrations and HCM partner program.

Payroll & Earned Wage Access

Zeal Embedded payroll API for staffing, gig, and vertical SaaS platforms with real-time wage payments.

Lending & Financing

Zip Australian-listed BNPL operating in US, AU, NZ with WebBank sponsorship and Stripe Dashboard integration.