Best Embedded Finance Platforms for Cloud
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Compare the Top Embedded Finance Platforms for Cloud as of November 2025
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What are Embedded Finance Platforms for Cloud?
Embedded finance platforms and solution providers enable non-financial companies and applications to offer financial services and financial products to their customers. Embedded finance solutions and banking-as-a-service products allow companies of all kinds to offer financial services such as payment processing, lending, banking, and more. Compare and read user reviews of the best Embedded Finance platforms for Cloud currently available using the table below. This list is updated regularly.
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1
Plaid
Plaid
Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services.Starting Price: Free -
2
Gr4vy
Gr4vy
Gr4vy enables enterprises to embed financial services directly into their products. Gr4vy enables enterprises to embed their payments, streamlining the customer experience and more, without heavy development work. With a single integration, businesses can connect to 400+ payment methods, PSPs, and fraud tools, all managed from one centralized platform. Built on dedicated cloud instances and powered by edge computing, Gr4vy delivers high performance, true data sovereignty, and low latency. For platforms offering embedded finance, this means smoother user experiences, end-to-end control of the payment flow, and the flexibility to scale globally while staying compliant. Gr4vy future-proofs financial service stacks with simplicity, security, and innovation. -
3
Stripe
Stripe
The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.Starting Price: 2.9% + 30¢ per charge -
4
Kinective Bridge
Kinective
With Kinective Bridge™ (formerly OmniConnect), easily connect your core with best-of-breed fintechs to scale digital transformation, modernize operations, and increase client delight. Transformation sounds great on paper, but hard to make a reality with legacy tech stacks and outdated infrastructures. The hassle of switching cores or burning through in-house dev hours to integrate systems can be a slow, time-consuming process. To thrive in today’s modern, digitally-focused world, you need one connection to scale your transformation efforts quickly and securely. Kinective has the connections you need. Our Kinective Bridge™ (formerly OmniConnect) solutions give you control by bridging the gap between legacy systems and modern digital services through 80+ turnkey fintech integrations across 99% of US-based cores. -
5
Exact Payments
Exact Payments
Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.Starting Price: Free -
6
Boss Insights
Boss Insights
Boss Insights’ platform digitizes lending to grow relationships between banks and their business clients. Thanks to Amazon style advancement, there is a growing divide between lenders’ service and businesses’ expectations. Banks excel in regulation, however, operate with limited information on their business clients (out of date and gathered manually). Boss Insights’ API hub empowers lenders to bridge the divide. APIs are the most efficient way to digitize existing processes enabling accelerated service and a complete view in real time. The platform is used to accelerate SBA, SMB and Commercial Lending from months to minutes. It also supports cross-selling products empowering banks and credit unions to proactively serve customers. -
7
Stax
Stax Payments
Stax empowers software platforms, small businesses, and large businesses, through simplified, industry-leading integrated payment and recurring billing solutions. Stax Connect is an unmatched payment ecosystem that enables unparalleled portfolio growth through technology and payment monetization. Radically simplify the ability for ISVs to power their payments with Stax’s developer-friendly API, offering a single integration that provides access to best-in-breed tools needed to provide payment acceptance capabilities, eliminating the time and costs associated with other “PayFac in a box” offerings. Secure in-person and online credit card payment processing with Stax Pay. An all-in-one business management platform built to help you run and grow your business. -
8
Wallester
Wallester
Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.Starting Price: $0 -
9
Sila
Sila
Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon. -
10
Razorpay
Razorpay
Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts. -
11
Instant Bank Verification
MicroBilt
Instant Bank Verification provides real-time, user-permissioned financial data aggregation and verification designed for lenders. What you can do with IBV? Verify users’ identities and reduce fraud. Verify real-time account balances. Understand income and verify employment. Access detailed transaction history. Verify borrowers’ assets straight from the source. Add flexible pricing - where you only pay for services when you use them - and IBV stands apart as a right-sized solution for your loan originations. Ideal for retail loan origination, short term lending, auto financing, property rental, and more. IBV is powered by an easy to integrate web portal that can be added directly to your existing website or a fully documented API. To better understand how IBV works, check out the demo on our website. -
12
Flinks
Flinks
Flinks is the creator of a powerful no-code platform and financial data APIs that make it easy and efficient for your team to build with financial data. Trusted by millions of individuals accessing financial services at world-class companies, our purpose is to make the struggles of open banking a thing of the past. Flinks’ products at-a-glance: Enrichment — Get actionable insights on financial data for credit, fraud, and behavior; Connectivity — Let users connect their bank accounts to your products; Outbound — Deliver a winning Open Banking program. Flinks also supports financial service providers across industries and sizes — from consumer and commercial lending, payments, digital banking, fintech, to wealth management, we power different use cases and enable financial innovation for you and your customers. -
13
Nordigen
Nordigen
Free banking data & premium insights. All-in-one banking data API for building powerful banking, lending and finance apps. All-in-one API for account information, transaction categorization and insights.Starting Price: Free -
14
Payrix
Payrix
Payrix is on a mission to be the global leader in embedded payments for vertical software businesses. We are committed to giving our clients more freedom and peace of mind with a proven solution that helps eliminate friction, unleash their possibilities with new revenue, and make their customers’ lives easier. Payrix clients including Real Green Systems, Storable, iClassPro and SupporterHub have harnessed our unique, all-in-one platform — combined with a white-glove approach — that enables them to capitalize on the opportunities within embedded payments for growth, innovation, and transformation. -
15
Meld
Meld.io
Meld empowers developers to build a Multi Vendor Fintech stack. With a few lines of code, developers gain access to a wide range of financial integrations across multiple domains. Meld helps you lower your overall 3rd party vendor costs, increase coverage and conversion rates, and save you time by launching integrations across markets faster. We provide performance analytics for every provider you integrate with - putting you back in control of your fintech stack. -
16
SDK.finance
SDK.finance
SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.Starting Price: Contact us -
17
Spreedly
Spreedly
Spreedly is a Payments Orchestration platform. Organizations rapidly growing, entering new markets, seeking to limit their compliance burden, or to lower payments costs often find that they can’t adapt their infrastructure to accept payments the way their business requires. Our Payments Orchestration platform enables payments flexibility and redundancy by allowing customers to build one integration and then route transactions through virtually any combination of payment services without ever touching end-consumer card data. Capture and secure payment methods in a portable PCI-compliant vault. Then leverage our massive ecosystem of Spreedly and third-party payment services to enable and optimize digital transactions. Connect to virtually any payment service via a single API rather than building complex integrations. Leverage our experience across billions of transactions to enhance your payments strategy. -
18
lemon.markets
lemon.markets
Automate your trading, create your own services, or connect investing with existing interfaces. Start trading more than 8,000 global stocks and ETFs through our free paper environment today. Take your use case live with your dedicated securities trading account, provided through our licensed partner. Your API for stock trading and market data. An API that gives you the freedom to build any brokerage use case you can imagine. Docs that give you a head start. Stream historical and real-time market data. Integrate them into your brokerage use case. Easy peasy lemon squeezy. Place your orders against our REST-API. Simple, convenient, and flawless. Build your own brokerage experience with the lemon.markets API. Our state-of-the-art REST-API gives you the freedom to build a brokerage project that fits your personal needs. Build your own automated trading bot that places orders at the stock market. Monitor price developments and define your own buy or sell rules.Starting Price: €9.90 per month -
19
VoPay
VoPay International Inc
At VoPay, we help software companies scale faster and unlock new revenue by embedding secure, compliant financial services into their core platforms. Our Fintech-as-a-Service platform enables businesses to manage payments, automate money movement, and integrate powerful fintech products, without the need to build complex infrastructure from scratch. VoPay’s platform provides the flexibility, control, and tools businesses need to grow and thrive. Whether you're managing high transaction volumes or looking to enter new markets, VoPay provides scalable infrastructure to support your growth and deliver value to your users. Additionally, our platform integrates seamlessly with your SaaS solution through a single API, making it easy to offer embedded payments, compliance, and financial orchestration. This is particularly beneficial for SaaS platforms, as it allows you to expand without worrying about the complexities of financial infrastructure.Starting Price: $500 - $1000 /mo -
20
Solid
Solid
Instantly create bank accounts, offer crypto wallets, send payments, and issue cards to your customers. Solid offers a fully integrated & compliant suite of FinTech services. Integrate in minutes to build never-before-seen experiences. Solid's Banking as a Service (BaaS) enables companies to build and launch deposit products, such as business and consumer checking accounts. It includes the ledger, statements, and everything needed to create delightful banking experiences. Solid's Card Issuance and Management platform is the first of its kind. Issue cards are the modern way, to serve the needs of your customers, with one single API. Credit, debit, and prepaid cards, both in physical and virtual form factor, are all fully managed by Solid. Engage your customers with a light & powerful experience, in your product, with Solid's instant bank /account creation API. Issue branded physical and virtual cards instantly, with the spending controls they need with Solid's /card API.Starting Price: Free -
21
Column
Column
Column is a nationally chartered bank engineered specifically for developers and builders to create innovative financial products. By constructing its own core banking system, ledger, and data model, Column eliminates the need for traditional middleware, granting developers direct access to the U.S. banking infrastructure. This approach enables seamless integration with the Federal Reserve, facilitating efficient money movement, account creation, and card program management. Key offerings include ACH origination, wire transfers via FedWire, real-time book transfers, and the ability to establish FDIC-insured bank accounts through a user-friendly API. Additionally, Column supports the development of customized card programs, providing dedicated Bank Identification Numbers (BINs) and compatibility with major networks and issuer processors. It also offers lending products such as loan origination, debt financing, and loan purchase programs to help companies scale their lending operations.Starting Price: $0.50 per transaction -
22
Basiq
Basiq
Basiq is the leading open banking platform enabling developers to build innovative financial solutions. We provide secure access to customer-consented financial data and powerful APIs that uncover valuable insights. We're powering the future of financial apps and services with solutions for wealth managers, banks, fintechs, and more. Get access to complete and reliable banking data to deliver more engaging, personalised digital banking experiences. Use our advanced income algorithms to reliably identify all sources of income such as regular, variable and casual income streams. Enabling you to streamline individual assessments and make faster lending decisions. Provide your customers with a rich digital experience by helping them better understand where they’re spending. Use Basiq Enrich to identify the merchant, location and category of each bank transaction.Starting Price: $0.39 per user per month -
23
Extend
Extend
A simple, powerful tool for your existing business credit card. Instantly create secure virtual cards for employees, projects and vendors. The Extend App is the most convenient and secure way to send virtual credit cards to your network. Build the products of tomorrow. API enables developers with powerful virtual credit card capabilities. Leveraging Extend APIs, a leading online lender has partnered with a destination resort to offer additional payment options to guests. From upgrades to enhanced experiences, guests have an efficient and convenient payment option with access to an immediate, flexible term loan offering. Use our APIs to create new products for payment, lending, and more. An innovative insurtech utilizes Extend APIs to optimize payment operations. They’ve eliminated cash flow issues for doctors and benefit from automated reconciliation and credit card incentives. -
24
TrueLayer
TrueLayer
TrueLayer is the leading technology company providing secure, global access to financial infrastructure. Developers use our APIs to build best-in-class products that securely access data and initiate payments in real-time. Founded in 2016, TrueLayer is connected to major banks across the world, backed by leading venture capital, and trusted by some of the biggest names in fintech including Monzo, Revolut, and Zopa. By making the power of open banking accessible through our platform, TrueLayer enables developers across any industry — from startups to enterprises — to reinvent financial services. TrueLayer is available in the UK, Europe and Australia. Easily integrate next-generation payments and financial data into any app. Build powerful products your customers love. Send and receive money on the fastest rails at the lowest rates with a first-class user experience. No cards. No fraud. No chargebacks. -
25
AlphaPoint
AlphaPoint
AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more. AlphaPoint has enabled over 150 customers in 35 countries including the CME Group, XP Securities, and Chivo. AlphaPoint has powered over 1 trillion in trading volume and the technology has handled billions in assets on the platform. Over the past decade, we have received multiple prestigious awards recognizing our innovations, exponential growth and leading technology in the fintech and digital asset space, positioning us to continue empowering our clients. -
26
Spinwheel
Spinwheel
Embed consumer debt solutions in your application. Spinwheel makes it easy to offer full-featured debt use cases in your app, starting with student loans. Our APIs and drop-in modules are built to address the American debt crisis directly from users native financial habitats. All the components you need to offer full-featured student loan products. We do the heavy lifting to deliver complete, clean data, and layer on insights like loan priority scores. With Spinwheel, payments are embedded, so borrowers know what and when to pay, and can do it easily from your app. Our beautiful, white-label drop-in modules make it a snap to create compelling end user flows. User-permission connectivity to comprehensive data and complex functions enable your app to do almost anything a user can do at a loan servicer. Intuitive APIs, low-code modules, clear documentation, and outstanding support. Pay down or payoff, we make it easy to create a payment and apply it correctly. -
27
Alviere Hive
Alviere
Alviere’s embedded finance platform allows any organization to seamlessly integrate financial products and services into their existing offerings, and provide customers and partners with the most comprehensive embedded financial solution on the market. Alviere’s platform offers an extensive range of customizable branded products and services that include FDIC-insured virtual accounts and physical card issuing, payments, digital global money transfers, and crypto/web3 products, all through one API integration. Alviere is a fully licensed and regulated financial institution, and provides comprehensive compliance, risk management, fraud/AML montioring and security to ensure long-term program success.Starting Price: $0 -
28
Moov
Moov
Moov is a platform to accept, store, and disburse money. We exist because piecing together multiple third parties for the payment experience will cost you engineering time and money and cause accounting issues. Building on top of banking infrastructure limits your ability to provide the user experience you need to, how you need to—costing you users and money. When you eliminate intermediaries in your money movement flow, you eliminate costs, keeping more of your money in your pocket. With the user at the center of everything we do, our platform is agnostic to and directly on the payment rails, so you can build the user experience you want, when you want, and maximize your return on your money. -
29
Lendflow
Lendflow
We connect the dots so you can connect your customers to the capital they need to grow. Across industries, from term loans to lines of credit, our open platform ecosystem gives you the freedom to build what you need. Our open API provides a developer-friendly way to build components directly into your UI/UX and our embeddable components can get you to market faster. Utilize our pre-built application widgets to integrate in under five minutes. Create a deeply immersive and seamless user experience into your existing platform. Provide users with advanced, real-time notifications of offers and terms. Attract new business, increase engagement, and generate incremental revenue, see what an embedded capital program can do for you. With a multitude of lenders competing for your customer’s business, they are more likely to receive offers they want to accept. Our seamless integration encourages customers to stay on your platform to access the capital they need.Starting Price: $500 per month -
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MatchMove
MatchMove
We use best-in-class security tools, technology, and banking industry practices to maintain the highest levels of security. Our services are fully compliant and licensed to operate within national and international regulations. Works better than cash and can be paired with virtual and physical cards. Offer your customers cash balances on a safe and secure platform. Enable real-time digital cash transfers globally through digital wallets and prepaid cards. Provide loans directly to small businesses and consumers through automated credit processes. Build a customer-centric platform to disburse instant funds. Simple one-click registration to transfer money safely and quickly overseas. Customer buys from your app, website, or store, you issue a virtual account instantly, you deposit rewards, rebates, and refunds, and the customer uses those rewards, rebates, and refunds for repeat purchases.Starting Price: $8.90 per transaction
