Vendor directory

58 embedded-finance vendors, each scored against the same published rubric. Vendor money never moves a ranking.

58 of 58 vendors

Adyen for Platformspayments

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

Authentic Insuranceinsurance

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

Bondcards

Card issuing and banking platform for embedded finance.

Branchpayroll

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

Brex Embeddedcards

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

CapitalOScards

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

Checkpayroll

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

Clairlending

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

DailyPaylending

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

dhangopayments

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

Dwolla (Dwolla Connect)payments

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

EasyTeamcompliance

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

Evereepayroll

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

Finchinfrastructure

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

Finixpayments

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

FlyCodepayments

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

Gusto Embeddedpayroll

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

Immediatelending

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

Increaseinfrastructure

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

Infiniceptpayments

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

Jarislending

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

Juspay / Hyperswitchpayments

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

JustiFipayments

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

Kanmonlending

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

Keeperewa

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

Knotpayments

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

Lendflowlending

Embedded lending infrastructure for platforms.

Liberislending

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

Lithiccards

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

Marqetacards

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

Mesh Paymentscards

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

Modern Treasurypayments

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

Moovpayments

Embedded money movement platform for platforms.

Nmbrpayroll

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

NMIpayments

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

Parafinlending

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

Payablipayments

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

Payactivewa

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

Pipelending

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

Plaidinfrastructure

Financial data connectivity and verification platform.

Rainforest Paypayments

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

Ryftpayments

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

Salsapayroll

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

Slope Embedded Capitallending

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

Stream (formerly Wagestream)ewa

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

Stripe Connectpayments

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

Stripe Issuingcards

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

Stripe Treasurybanking

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

Syncterabanking

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

Tapchecklending

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

Tilledpayments

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

Unitbanking

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

Vertical Insureinsurance

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

Workliopayroll

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

Worldpay for Platforms (formerly Payrix)payments

Embedded payment facilitation platform helping SaaS companies monetize payments, manage compliance, and grow.

YouLendlending

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

ZayZoonewa

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

Zealpayroll

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