Best Nonprofit Embedded Finance Platforms - Page 4
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Compare the Top Nonprofit Embedded Finance Platforms as of April 2026 - Page 4
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1
ZTLment
ZTLment
Split your funds using as many wallets as you want, enjoy instant settlement, and make the payment experience part of your product. Use our event-based payments to make your payment experience completely automated. Use a fully traceable technology, to get the most accurate data from your payment flows. Manage your vendor accounts, automate your payment flows, and use the most accurate data powered by distributed ledger technology. We empower online platforms and marketplaces to seamlessly hold, manage, and distribute funds in real time, with full automation and compliance. Split your payments between your vendor wallets and your treasury wallet. Any data source is a trigger for your payments. Safely hold your user's funds, set the conditions, and automate the entire payment experience. Add any currency to your payment experience, and expand to any European country without blockers. Completely embedded onboarding for your vendors, be compliant without wasting time. -
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Softloans
Softloans
The Softloans technology enables other platforms such as payment service providers, marketplaces, marketing agencies, logistics service providers, and others to offer financing to their business customers. Help your business customers grow by providing them access to working capital. Create a new continuous revenue stream for your business as you earn a commission for each loan issued to your customers. The solution is easily tailored and ready to launch anywhere in Europe and beyond. Softloans helps other lenders grow and be more profitable by reducing the percentage of false loan application rejections. The solution caters to individual and corporate customer assessments, providing unique benefits. For individual borrowers: easily spot risky behaviors like gambling/understand user financial dynamics, etc. Get insights into the structure of the customer and supplier base, and analyze operating and financing cash flows effortlessly. -
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NoFrixion
NoFrixion
NoFrixion is designed for modern finance teams, who require modern tools to automate money operations. The company is authorised as an electronic money institution (EMI) by the Central Bank of Ireland. The award winning platform includes a regulated ledger, API and user tools designed to help companies with money operations at their core.Starting Price: €50 -
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Payitoff
Payitoff
Payitoff is a financial technology company that provides embeddable, intelligent debt guidance solutions for banks, lenders, and financial wellness providers. Their platform offers low-code and no-code tools that enable institutions to deliver personalized debt repayment strategies to their customers, enhancing financial outcomes and increasing engagement. By integrating with Payitoff's solutions, organizations can access real-time debt account information and provide actionable guidance, helping customers save an average of $323 per month on federal student loan repayments. The platform supports various debt types, including student loans, credit cards, mortgages, auto loans, and personal loans, aiming to transform debt management into a driver of business success. Empower your customers with intelligent debt guidance to help them achieve the best outcomes, every time. With just a few clicks, customers perform actions in-app, designed to save thousands on their repayment term. -
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Parafin
Parafin
Parafin supplies the crucial connective fabric that makes financial services robust and enduring. We take on sourcing, underwriting, origination, servicing, compliance and risk, and more. It starts with our superior underwriting. Our sophisticated machine learning models uses data from millions of businesses across all industries and verticals to determine offer eligibility and terms and optimize merchant experience. We created a sleek, white-labeled UI that embeds seamlessly into your existing platform experience. We take on risk and ensure that our products are compliant with various government regulations. We navigate the complexity of capital markets on your behalf. By partnering with best-in-class financial institutions, like Jefferies and Silicon Valley Bank, we always have a reliable flow of funds to support your merchants. We supply more than a framework. Our out-of-the-box solution provides an end-to-end financial services program. -
6
Infinant Interlace Platform
Infinant
Expand distribution of your banking products through the Interlace platform. Providing the ability to offer new bundled products and services to existing customers and new customers through bank or partner channels. Lift accounts from your legacy core to our virtual account system to reduce legacy operating expense. Ability to launch programs in weeks versus months with a modern API-first cloud-native stack. Eliminate complex and costly core replacement and side-car core projects. Real-time processing of accounts, payments and card transactions to bundle new offerings. Central Interlace Console with compliance assurance across all programs through bank controls that are inherited by every program. Real-time Settlement Automation to ensure integrity of funds flow and to eliminate manual reconciliation of programs. -
7
Daxia
Daxia
Daxia is an embedded finance platform that helps businesses from various industries transition into the fintech space, enabling them to unlock new revenue streams. Through a comprehensive, end-to-end solution, Daxia allows companies to develop and launch custom fintech services quickly, enhancing customer experience, data management, and security. The platform offers various solutions, including strategic advisory to guide companies in becoming fintech players, open APIs to incorporate fintech into existing business models, and tools for managing digital assets and ensuring data security. Daxia also provides tokenization to protect sensitive data, ensuring compliance and minimizing risks associated with unauthorized access. The platform is designed to help businesses from industries like consumer, retail, ecommerce, banking, energy, and telecom integrate fintech capabilities into their operations. -
8
Priority Commerce
Priority Commerce
Priority Commerce offers a unified commerce platform designed to streamline revenue and accelerate growth through its Priority Commerce Engine (PCE). It integrates multiple financial services, enabling businesses to collect, store, lend, and send money efficiently. With tools like MX Merchant, users can centralize billing, sales tracking, and customer engagement, facilitating same-day funding across all payment routes, including cards, ACH, and cash. Priority Commerce supports various fee-based solutions, allowing for customizable payment processing tailored to specific business needs. For developers and ISVs, Priority provides secure, feature-rich APIs that integrate seamlessly into applications, offering low-code or no-code solutions to expedite development. It automates banking operations, enhance financial transparency, and provides robust security measures to reduce fraud risks. -
9
Powens
Powens
Powens is a leading open finance and embedded banking platform that empowers financial institutions, fintechs, and software vendors across Europe and LATAM to create innovative products and streamline their financial operations through frictionless and fully automated banking and payment experiences. It connects to over 1,800 financial institutions across 12+ European countries, offering real-time access to standardized bank account data, including detailed balances, transactions, and historical data from current accounts. Powens' comprehensive suite includes data & document aggregation solutions, data processing solutions, and accounts & payment solutions. Powens' high-quality standards are evidenced by a 99.5% data refresh success rate and a 99.95% API availability rate over 11 years. -
10
fino.digital
fino.digital
fino.digital is a market-leading driver of innovation in account and data analysis technologies. We develop customized software solutions for our customers and partners that create prospects for new business models in the B2B and B2B2C sectors. Our declared mission is to give value to data and turn it into valuable insights for our customers through pioneering data analytics solutions. Our AI-based data analytics technologies analyse the account transactions pre-authorized by private or business customers in real time and use them to automatically generate valuable information on financial and life situations, credit and loans, contracts and pension gaps, real estate, liquidity and even recognise life-changing moments, such as retirement or the birth of a child. Whether sales impulses, credit checks, invoice & transaction matching, risk analysis, or improved customer experience for your processes, our products create real added value from data for you and your customers. -
11
Inswitch
Inswitch
Inswitch Platform is a cloud-native, modular embedded-finance platform that enables any company to integrate banking, payments, wallet, card-issuing, and cross-border money-services capabilities via a single API. It supports core banking and digital wallets (top-ups, bill payments), pay-in/pay-out and alternative payments, virtual and physical card programs (with real-time authorization controls and white-label branding), and multi-currency transactions with global reach across Latin America, the U.S., and beyond. Included in-platform features are built-in compliance and security (KYC/KYB, AML, fraud management), real-time settlement and reconciliation, business-intelligence dashboards, smart orchestration of financial flows, and a business portal for managing branded channels, bank rules, and analytics. -
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LendAPI
LendAPI
LendAPI is a highly flexible, infrastructure-first lending and financial services platform that enables organizations to build, launch, and scale custom credit products without the drag of legacy systems. Its Product Studio offers a visual no-code interface to design and publish new lending products in days, while the Decision Engine, Rules Studio, and integrated Pricing Engine allow dynamic rule-configuration, underwriting logic, and pricing strategies to be updated instantly. It includes core modules for Loan Origination and Loan Management, supports embedded-finance use cases such as point-of-sale financing, BNPL (Buy Now Pay Later), real-estate lending, and virtual cards, and offers deep integrations with KYC/KYB, credit-bureau data, fraud-prevention tools, and document-automation. With more than 270 pre-built integrations and a fully API-driven architecture, LendAPI enables fintechs, banks, and retailers to reduce manual review by ~30%. -
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Realfinity
Realfinity
Realfinity is an intelligent mortgage platform, offering an embedded end-to-end mortgage origination and processing engine that combines capital, compliance, and technology so that real estate agents, brokerages, loan officers, asset managers, startups, or even wealth advisors can quickly offer mortgage services. Via the platform, users gain access to a wide range of loan types, including conforming loans, government-backed FHA, USDA, and VA loans, bank-statement loans for self-employed borrowers, DSCR loans based on rental income, jumbo loans for high-balance properties, HELOC/HELOAN options, and cash-out refinance loans. It enables doc-first mortgage applications: borrowers upload required documents or link asset/income data, and the platform validates and auto-fills applications, accelerating decisions and boosting conversion rates. It delivers real-time live rate comparisons across multiple investors. -
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Marqeta
Marqeta
Our open API platform enables the world's innovators to instantly issue & process cards with more control, flexibility & scale. Marqeta is rewriting the rules for what’s possible with payment cards. With the most advanced infrastructure and tools for building highly configurable payment cards, Marqeta’s open API platform is designed for developers who want a simplified way of managing payment programs so they can create world-class experiences, innovate, and power new modes of commerce. A modern card issuing platform that powers the future of commerce, accelerates your business and helps build new and innovative products. An open API, instantly issued sandbox lets you get started in three clicks and enables you to instantly issue physical, virtual, and tokenized payments. Refined payment and authorization controls to rein in excess spending, protect your margins, and enable exceptional user experiences. -
15
Cross River
Cross River
Enabling our clients to deliver financial solutions that empower consumers anytime, everywhere. Technology is at the core of what we do. It’s changing the way our fintech partners do business. Streamlined payments solutions including ACH, wire, card disbursement and money transfer-all through APIs, while maintaining a strong focus on compliance. Provide loan origination services for leading marketplace lending platforms, providing greater access to credit in the market. Our API-driven banking platform, Cross River operating system, will allow fintechs to plug in and access multiple banking services that will be customizable and secure. Sophisticated financing options including off-balance-sheet, and asset-backed credit facilities to help our partners grow. Committed to meeting the needs of our communities through a personalized, full-service banking experience. Risk assessments, diligence, testing, monitoring, and oversight form a trusted internal compliance management system. -
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Bankable
Bankable
We enable and serve dominant financial institutions, corporates and FinTech entrepreneurs to bring to market highly differentiated payment solutions supported by a very strong, immediate business case. We deliver significant new net revenues and cost-savings by leveraging our fast, scalable and secure API and white-labelled platform to deploy targeted solutions. Our interoperable proprietary platform is PCI-DSS certified (Payment Card Industry – Data Security Standards) and hosted in Tier-4 data centers with the highest level of security certification. Bankable's Virtual Ledger Manager is a cloud based virtual account solution applicable on top of any bank account enabling enhanced cash management for global corporates. It is a multi-bank solution capable of processing standardised and proprietary data formats from multiple banks. -
17
RISQ
RISQ
Our financial software solutions offer a fully integrated, wholesale banking approach, while focusing on the institutional side of banks. More than a half of a bank’s income is generated from wholesale banking, yet most of the processes are still manual, customer service is poor, and decisions take a long time. We turn your bank into a Fintech, by offering an AI-enabled solution which covers the entire spectrum of commercial lending. Digitise your entire SME lending process for faster and smarter credit decisions. Our AI-powered credit management platform digitalises your entire SME lending process from initial onboarding, scoring and credit bureau integration to disbursements and ongoing servicing. All this enables you to save significant time on the application process, enrich your customers’ banking experience and make smarter decisions with AI-driven prioritisation processes. -
18
Pinwheel
Pinwheel
Pinwheel is the leading payroll connectivity API company used by the biggest financial institutions to securely update direct deposits and access income and employment data. Pinwheel’s platform offers a suite of products to empower innovators of all sizes to leverage payroll account connectivity. Switching direct deposits is usually a painful process involving paper forms and HR teams. Make it easy with Pinwheel’s digital drop in solution. View a real-time feed of your customers' direct deposit allocations and get notified when they change. Use this knowledge to better understand your customers and to craft engaging experiences for them. Access source data from payroll systems to streamline and automate income and employment verification, improve your underwriting models, and more. Reduce loss rates and increase your serviceable market by enabling your customers to pay their loans directly from their paycheck. -
19
Routefusion
Routefusion
Through our global banking APIs, fintech expertise, and customer support, decrease your time to market, reduce the cost of global payments and expand your products and services internationally. Opening up international bank accounts is challenging. We'll do it for you - making direct debiting, global reconciliation, and a unified global banking experience simple. Do international business like a local. Pay international vendors and customers with ACH, SPEI, SEPA, SWIFT wires, and more. Our global payment and FX institutions network gives your customers access to rates that have traditionally only been reserved for the largest corporations. With our new approach to cross-border payments, no one gets left behind. We believe in tearing down financial barriers to growth so that every business has the opportunity to thrive. -
20
Gynger
Gynger
Save money and extend runway by using Gynger to pay your SaaS bills upfront, while paying us back later. Upsell by offering flexible financing, allowing prospects to spread out their payment over 3 - 12 months. Generate pipeline by prospecting qualified leads with the option of flexible payment terms. Close deals faster by offering flexible financing when a prospect has budget constraints. Increase Net Retention by offering existing customers the option to finance a portion of, or their entire, renewal. By enabling you to purchase these tools with flexible terms, regardless of what your vendors offer, Gynger helps you access the best products while saving money, improving cash flow and extending runway. -
21
ClearBank
ClearBank
Financial institutions, from fintechs and crypto platforms to banks and credit unions, use our API to offer their customers a fully regulated banking infrastructure and real-time clearing access. That way the business can grow on your own terms, and stay ahead at speed. Offer your customers FSCS-protected accounts by leveraging our banking license. We take care of the banking products so you can focus on creating the business that your customers dream of. Start processing payments faster and more securely by connecting to the payment schemes via our API. Choose the fully regulated accounts that work best for your business and your customers. With our cloud-based API, we offer banking infrastructure so financial institutions can focus on providing the best service for their customers and stay relevant in a fast-paced market. We understand the pain of dealing with legacy systems, the cost, and the risk involved in innovating in the financial services sector. -
22
Lunch
Reverse Contact
Lunch provides push-button net-terms financing to businesses on your platform. Grow your platform by offering flexible payment terms on every transaction. Lunch provides the capital, compliance, and technology by API to directly integrate your platform with our financing infrastructure. Earn a revenue share anytime your suppliers access instant capital via Lunch. Digital payments, instant access to capital, and a payments dashboard create an incredible value-add experience that deepens the connection with your platform. Manual processes, approval schedules, and outdated payment methods mean government agencies can take weeks or even months to pay. Provide digital payment options for buyers on your platform - government agencies using your platform receive digital payments for free. Allow buyers to securely connect their bank accounts and get paid digitally by your customers, free of charge. -
23
Caliza
Caliza
Our technology helps you embed digital dollar accounts and real-time payments into your products and services, unlocking new financial opportunities for your customers. Straightforward API or online dashboard that gives you full control and customization of your experience. US-based digital dollar accounts with segregated funds, real-time cross-border settlements, savings, and competitive FX rates. Bring borderless payments and digital dollars to your business with our simple, secure, developer-friendly API. Enable businesses to access international goods and services faster. Enable companies to manage treasuries across borders without delays or errors. Help your customers accept payments from their own users across borders. Provide US banking credentials and dollar accounts with instant liquidity for your customers. Help businesses pay their global workforce accurately and compliantly. Provide quick and inexpensive transfers for customers sending and receiving money. -
24
Cadana
Cadana
The world's largest payroll platforms and talent marketplaces use Cadana's APIs to build compliant hiring products in Africa, Asia, and Latin America. Deploy Cadana's no-code white-label solutions to your customers in your brand. Mitigate local labor non-compliance and fraud risks by leveraging Cadana's local entities & expertise. Validate the market with a full-suite product without spending millions of dollars building. Reduce operational overhead with Cadana L1 & L2 support to help you scale with your customers. Customize and integrate with existing workflows using modular UI components. Pay compliantly to millions of local banks, mobile money accounts, and e-wallets in Africa, Latin America, and Asia. Mitigate fraud with account validation lookups & AI-powered transaction monitoring for emerging markets. Save on average 50% on FX rates to emerging markets compared to global payment aggregators. -
25
Fidel
Fidel
One API to link payment cards to your applications. Two products to build unbeatable customer experiences. Link direct to customer cards through our secure SDKs and easily surface real-time transaction data from Visa©, Mastercard© and Amex©. Eliminate friction for customers and build flexible, personalized experiences. Receive granular customer transaction data in real-time. Use location and merchant data to pinpoint exactly where and when customers are spending. Protect privacy with PCI compliant SDKs that securely tokenize card data. -
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Hydrogen
Hydrogen Platform
Embedded Finance Made Simple. Quickly embed financial services in your business using ONE connected no-code platform. Fintech is Hard. We Make it Easy and Embeddable. There are dozens of contracts, approvals, integrations, and workflows needed to build fintech. Luckily, Hydrogen has done all of the hard work for you, saving you 80% of the cost and time! Explore our embedable products: Cards Physical & Virtual Card Issuance. Cards. Issue physical and virtual debit cards with our fully built and configurable embeddable apps. No lockups, minimums, or program setup. Plus, earn revenue on every swipe! Payments ACH, Bank Auth, P2P, Roundups Payments Add ACH, bank auth, P2P, wallets, roundups, and other payments to your business, with our fully built and configurable embeddable apps. Money, Personal & Business, Finance. Add aggregation, accounting, cash flow, and budgeting analytics to your business, with our fully built and configurable embeddable apps. -
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Cambr
Cambr
Cambr’s vendor-agnostic approach opens up new monetization channels, scalable cash storage, and FDIC-insured safety to any business that holds cash for its customers. Earn market-leading yield on balances; you decide how much to pass through to end customers. Eliminate bank balance sheet constraints and reduce the risk of a single point of failure via our network of community banks. Integrate seamlessly. Integration hub is simple and fast, and only needed if we don't already work with your service providers. No software, no hassle. Create new product offerings and hooks while earning revenue on your programs' deposits. Our network of community banks allows you to scale compliantly while protecting your balance sheet and without sacrificing economics. Easily deploy and implement full package solutions for your clients while earning fee income. -
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Peeled
Peeled
We have developed a lending solution for brands like yours. You can be up and running in days, not months, with a branded, personalised customer experience, ensuring you own the customer journey and brand experience. We provide all the tools you need to offer loans to your customers. Our platform is built to enable lenders to quickly connect with brands. We have integrated with the best data and service providers and can offer you a flexible toolkit to support your lending. Plug into our platform to expand your distribution and grow lending. Whether its on your website, app or phone we are right there with you. A single integration means one solution for all your needs. We have the toolkit to design a customer experience that works for you. -
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finmid
finmid
finmid is the embedded lending infrastructure powering platform growth. With its API, finmid enables platforms to launch tailored financing products for their business customers at scale. Across industries, borders, and business models, finmid drives revenue, improves retention, and fuels core business growth. finmid is trusted by Europe’s most ambitious platforms, including Wolt, Delivery Hero, Just Eat Takeaway, Guesty, and FREENOW. -
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Stitch
Stitch
We help businesses easily develop more user-friendly, innovative and inclusive digital finance products, at lower costs and without fraud. Stitch helps fintech and embedded businesses across Africa quickly onboard users and enable seamless bank-to-bank payments. Make it as easy as possible for your customers to pay with one-click checkout – and save on expensive card fees. Improve your customer and supplier onboarding experience and enable seamless payments across your marketplace or platform. With Stitch, PSPs and payments aggregators can enable their merchants to offer instant and zero-fraud pay-by-bank checkouts, at a fraction of the cost to card payments. Make paying out to customers and suppliers as easy as paying in, by leveraging the same account linking to generate a direct payout to their financial account of choice.Starting Price: 1% Fee
