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Banking-as-a-Service

This hub gathers everything Charge Forward knows about banking-as-a-service for software companies — the vendors, the unit economics, and the decision questions buyers actually ask. See the methodology.

Banking-as-a-Service vendors (7)

  • Unit — Embedded finance infrastructure enabling software platforms to launch banking, lending, and payments in weeks.
  • Stripe Treasury — Banking-as-a-service for platforms. Offer bank accounts, cards, and money movement.
  • Plaid — Financial data connectivity and verification platform.
  • Increase — Enterprise-grade banking APIs giving technology companies direct access to Federal Reserve, Visa, and Clearing House rails.
  • Synctera — BaaS platform connecting fintechs to sponsor banks for embedded banking, card issuing, and compliance.
  • EasyTeam — Shopify-native team management and payroll for retail, plus an embedded version for software platforms.
  • Finch — Unified employment API connecting fintechs to 250+ payroll and HRIS systems for data and write-back.