Cardless offers end-to-end branded credit card creation and management services to businesses looking to enhance customer loyalty and spending. Their solution integrates application processes, risk management, and customer support directly into the business’s platform, ensuring a seamless user experience. Cardholders gain immediate digital access to cards, with a physical card mailed shortly after. Cardless also provides data encryption, compliance with industry regulations, and customer engagement through rewards programs. Their platform empowers partners to leverage proprietary data with intelligent algorithms for increased credit approvals, driving retention and growth with targeted campaigns and personalization.

Cardless

Custom branded credit cards, integration, support, security, data analytics, compliance.

Banking-as-a-service

Marqeta

Marqeta provides innovative card payment solutions for diverse businesses.

Airwallex is an international fintech platform providing businesses with a comprehensive suite of financial services. These include opening domestic and foreign currency accounts swiftly, processing high-speed international transfers at interbank rates, and automated bill payment workflows. Businesses can accept global payments, issue multi-currency cards, and optimize expense management. The platform offers powerful APIs for custom financial operations integration, helping businesses to accept multi-currency payments, manage currency risks, and create financial products. It enables platforms to collect and disburse funds worldwide, offering a one-stop solution for global financial management, aiming to facilitate growth without geographic limits.

Airwallex

Global financial services platform for businesses managing payments and accounts.

Increase is an enterprise-grade financial technology company offering modern banking infrastructure through APIs, enabling technology companies to programmatically store, move, and reconcile money. Their platform facilitates direct connections to the Federal Reserve, Visa, and other major financial networks, offering transparent data, fewer dependencies, and stable, fast, flexible solutions. Increase's services include ACH transfers, wire transfers, real-time payments, checks, and card issuing with features like FDIC-insured bank accounts, unlimited account numbers, and instant funds availability. Designed for developers, Increase's tools support custom compliance programs, risk management, and seamless workflows for financial operations, significantly enhancing the efficiency of money movement and financial management for technology-driven businesses.

Increase

Provides banking APIs for tech companies to manage and move money.

Synctera offers Banking as a Service (BaaS) to help companies create, launch, and expand their FinTech and embedded banking solutions. With Synctera's platform, startups to large corporations can offer customers bank accounts, digital wallets, personalized debit cards, seamless money transfers, and lines of credit. Their platform simplifies compliance, connects clients with compatible banking partners, and extends into Canada. Aimed at developers, Synctera provides secure APIs, extensive documentation, and a professional services team for additional support. Synctera's mission is to power the next generation of financial innovation through its comprehensive and adaptable BaaS platform.

Synctera

Synctera offers Banking as a Service to build FinTech products.

Lithic offers a platform enabling fintechs, startups, and enterprises to issue bank cards and process payments with ease. They provide direct card network integrations, reducing dependency on third parties, and offer a native core system for better economics and easy implementation. Lithic allows companies to launch quickly with full stack solutions, and then scale by internalizing various aspects of their financial operations. Their system supports modularity, allowing clients to mix and match solutions for their specific needs. Features include API-driven virtual card creation, physical card issuing, same-day transfers, dispute handling, custom authorization logic, fraud prevention, and PCI compliance.

Lithic

Lithic provides card issuing and banking services platform for fintechs.

Swan is a financial technology startup that provides APIs for businesses to integrate white-labeled banking services, including accounts, cards, and payments, directly into their products. Aimed at enhancing user experience and creating new revenue streams, Swan caters to the fastest-growing companies in Europe. They offer a scalable core banking system, regulatory compliance, and operational support, eliminating the need for companies to undergo the complex and costly process of becoming regulated. Swan's model supports business growth with no setup fees, long-term contracts, or constraints, allowing for a customizable and smooth financial experience embedded within user workflows.

Swan

Swan provides embeddable banking APIs for integration in products.

Stripe is a financial infrastructure platform that caters to businesses looking to manage online and in-person payments globally. It offers a suite of products including payment processing, billing for recurring payments, fraud prevention, financial reporting, and banking services. Stripe enables platforms to manage revenue, automate accounting processes, and reduce costs. It supports the growth of businesses by offering tools for subscription management, setting up multiparty payouts, and providing banking-as-a-service options like card creation. Stripe's scalable solutions aim to streamline payments acceptance, optimize checkout experiences, and offer expert integration for enterprises and startups alike.

Stripe

Stripe provides online payment processing and financial infrastructure services.

Pier Finance offers a software platform enabling businesses to swiftly create and deploy credit programs. With developer-friendly APIs and flexible modules, companies can integrate credit solutions into their operations within days. Pier Finance caters to marketplaces, service providers, and employers by facilitating credit score building, embedded lending, flexible funding, and accelerated payroll services. Stressing the importance of compliance, they support clients in maintaining sustainable practices. Notably, Pier is not a lender but a facilitator providing the infrastructure for credit services. The platform ensures quick market entry, significantly reducing time and investment for companies aiming to offer credit products.

Pier Finance

Facilitates rapid launch of customizable credit products for businesses.

Column is a developer-focused, nationally chartered bank offering API-driven banking infrastructure to create financial products. Column provides direct access to Federal Reserve services, allowing the creation and management of FDIC insured accounts, card programs, and the movement of money through ACH, FedWire, and international wires. They have built their own core, ledger, and banking data model to facilitate scalable, efficient financial solutions, without traditional middleware. Their platform supports the development of modern lending programs with bank funding. Column aims to be a dedicated partner for developers, with an emphasis on compliance, and efficiency, designed for both startups and established fintechs.

Column

Developer-oriented bank enabling financial product creation with API infrastructure.

Synapse is a leading banking as a service platform, empowering companies globally to swiftly initiate comprehensive deposit and credit offerings. They streamline the process to innovate in financial services, removing traditional complexities by managing banking partnerships, licensing, compliance, and payments. Synapse provides a modular platform suitable for businesses of all sizes, facilitating enterprise-scale deployments of a wide array of financial products. Their single, API-first platform simplifies integration, allowing for quick customization and deployment. Synapse positions itself as a catalyst for financial innovation, providing tools to disrupt banking and democratize credit access.

Synapse

Enabling rapid launch of financial products through a banking platform.

Neo Financial is a fintech startup that aims to transform the traditional financial landscape through technology-driven solutions. They offer a range of digital financial products, including savings accounts, credit cards, and a rewards program. Neo's approach emphasizes user-friendly interfaces, personalized experiences, and value-driven incentives. Their rewards system is tied to a network of partners, allowing customers to earn more from everyday spending. By adopting a digital-first strategy, Neo Financial seeks to make banking more accessible, efficient, and rewarding for its users, challenging the norms of conventional banking institutions.

Neo Financial

Neo Financial offers smart banking, investments, credit cards, and mortgages.

Griffin is a UK-based startup that provides a Banking as a Service (BaaS) platform enabling UK companies, especially fintechs, to develop and launch financial products quickly and cost-effectively. With Griffin's bank-grade infrastructure, businesses can embed financial services into their apps via APIs. This includes automated KYC/KYB onboarding, compliant safeguarding accounts, and access to the UK's payment rails (FPS, Bacs, CHAPS). The platform offers segregated client money accounts, branded cards, operational accounts, and flexible credit options for its users. Griffin also boasts about an API-first approach, providing clean REST JSON APIs, a developer sandbox, and comprehensive documentation for easy integration.

Griffin

Griffin enables quick, cost-effective development of financial products via APIs.

Unit provides a platform that tech companies can use to integrate banking and lending services into their products, thereby enhancing customer value and creating new revenue streams. This integration includes interest-earning accounts, payment cards, and lending products. By embedding financial functionalities, clients can improve user retention, increase revenue per user, and reduce customer acquisition costs. Unit simplifies the technical and regulatory complexities, offering flexible coding options, from no-code to full-code integration. They process large transaction volumes and support banking for a vast user base with high reliability and security, emphasizing compliance and partnership with banks and technology providers.

Unit

Unit offers tech-driven banking and lending platform services.

Embeddable products

Oyster provides a platform for companies to hire, pay, and manage global talent without the need for establishing local entities. They support hiring and payment of both full-timers and contractors in over 180 countries and automate the creation of compliant employment agreements. Users can manage payroll in 140+ currencies and offer globally competitive benefits. The service includes tools for calculating employment costs, risk assessment, benefits administration, and contractor conversion to full-time status. Offering robust compliance infrastructure and deep local employment intelligence, Oyster simplifies global employment tasks with automated workflows and is designed to enhance the employee onboarding experience.

Oyster

Oyster enables compliant global hiring, payroll, and benefits management.

Zeal is a comprehensive workforce payments platform providing a solution for managing both W2 and 1099 worker payments, tax compliance, and filings. The service streamlines onboarding, payment processing, and tax management, thus allowing businesses to focus on growth rather than administrative tasks. Zeal's API enables businesses to integrate payroll functions directly into their applications, offering a seamless experience for workers, who can handle everything from shift submission to pay stub viewing without third-party portals. Additionally, Zeal supports limitless scaling, removes the burden of tax filings, and guarantees fast and accurate payment disbursement, backed by dedicated support for its partners.

Zeal

Zeal manages workforce payments, tax filings, and compliance at scale.

April Filer is an IRS-authorized electronic filing provider that emphasizes a no-cost, no-upsell approach to tax filing. The startup supports taxpayers in filing various forms, such as W-2 for employees and Form 1099 for the self-employed, without extra charges. April caters to users with diverse tax scenarios, including education credits, retirement contributions, gambling winnings, and more. They also accommodate filers dealing with cryptocurrency, stock sales, unemployment benefits, and student loan considerations. April prides itself on its user-friendly, mobile-first platform and highly rated customer service, simplifying tax filing from home.

april

IRS-authorized e-filing service offering free, supportive, no-upsell tax filing.

Startup Lula specializes in creating an adaptable insurance infrastructure, offering a comprehensive suite of management tools for various assets, transactions, and applications. They enable seamless integration into existing systems through their APIs, automating tasks, and ensuring compliance. Their solutions cater to insurance buyers with a platform of management tools and network carriers. Additionally, they assist insurance sellers in modernizing operations to reduce costs, enhance efficiency, and serve specific sectors like trucking. Lula offers predictable pricing without hidden fees, instant sign-up, and dedicated support, positioning themselves as a strategic partner in insurance services and technology.

Lula

Lula provides flexible, scalable, and transparent insurance infrastructure solutions.

Duffel facilitates travel experience by enabling any business - from startups to large financial enterprises - to easily sell travel services. Their platform supports shopping for flights and accommodations, purchasing extras, and managing bookings. Duffel targets various entities such as challenger banks and spend management systems, offering tools like autocomplete search, filters, and integration of spend tracking. They provide documentation and tools in several programming languages, aiming to simplify the user experience for business clients. Businesses can earn commission and leverage Duffel’s global inventory, accessing over a million properties and numerous flights to create a seamless travel booking system.

Duffel

Duffel provides travel sales solutions with flights and accommodation services.

Meili develops technology for seamless integration of mobility companies with airlines and travel partners, enhancing customer experiences and improving mobility brand loyalty. They enable direct contracting between mobility businesses and travel entities, giving mobility brands control over customer relationships. The platform offers efficient distribution, easy integration with a single code line, and direct access to car rental loyalty programs. Meili aims to reduce friction in customer service, increase revenue for partners, and build trust in the mobility platform market. Their mission is bolstered by a dedicated team focused on rewriting the mobility distribution rules.

Meili

Meili integrates mobility companies with airlines for seamless customer experiences.

Column Tax has built a modern tax platform with easy-to-use APIs, allowing seamless integration of tax products into existing apps and websites. They specialize in providing efficient, accurate, and transparent tax solutions with an accuracy and maximum refund guarantee. With bank-grade encryption and high compliance standards, Column Tax ensures data security. The platform supports banks, independent contractors, and financial platforms, aiming to enhance their services with tax filing options. The APIs are designed for quick integration, promising deployment within a week. Column Tax stands out as the first IRS authorized API-first tax filing service.

Column Tax

Startup offers tax-filing APIs with accuracy for seamless integrations.

Rollfi is a platform enabling companies to enhance their businesses by integrating payroll and benefits solutions. They provide a market-ready, customizable out-of-the-box solution that requires no developer resources and can be quickly branded to a particular business. Rollfi's platform can be embedded directly within existing systems or through API integration for a fully custom experience. With a robust API designed to streamline developer involvement, Rollfi shortens development timelines and provides white-glove support. Their services include managing W2 and 1099s across all states, tax payments, and offering insurance through partnerships. Rollfi targets a wide customer base, aiming to improve system integration, financial management, and user experience.

Rollfi

Rollfi offers seamless embedded payroll and benefits expansion for businesses.

Flatfile is a data exchange platform offering a user-friendly import experience with AI-assisted data mapping, validation, and cleaning solutions. It enables efficient automation of CSV imports and enterprise data preparation, combining a robust database with the simplicity of spreadsheets. The platform is created for developers and end-users, providing SDKs and customizable UX components. It allows collaboration on data onboarding and supports various file types from different sources. Flatfile targets enterprise needs with compliance to SOC 2, HIPAA, and GDPR, ensures data security, and offers a scalable cloud-based infrastructure with a free or subscription-based pricing model.

Flatfile

Flatfile streamlines data import with an embedded file import experience.

Pinwheel offers a digital direct deposit switch solution for various income receivers including full-time employees, gig workers, and individuals receiving unemployment or SSI payments. Their service is aimed at financial institutions wanting to become the primary destination for their customers’ direct deposits. The solution provides automation, broad coverage, and a seamless user experience to increase loyalty and customer lifetime value (LTV). Pinwheel’s system supports easy integration, intelligent detection for various scenarios, and is adaptable across customer journey stages and channels. It aids financial entities in capturing more direct deposits efficiently while offering insights into customer behavior.

Pinwheel

Pinwheel provides direct deposit switching and income data insights APIs.

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