Lendflow Alternatives

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.

Finicity’s open banking platform makes connecting your customers’ financial data to your app or service simple. Finicity’s open banking platform is being used by some of the largest and most innovative organizations in the world to empower their customers with better financial experiences. Data quality is essential to your experience. Our data is battle tested in the most rigorous markets. Easily code to endpoints, test data and connect to Finicity’s open banking platform for leading API coverage of banks, credit unions, payroll providers and other financial services. Our suite of APIs makes it easy to access the data you need to power your products.

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.

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.

Connect your app to your users’ financial data in the easiest and most secure way through a single Open Banking API. Build engaging and next-generation products your users will love. Your users' financial data comes in multiple formats, from different sources. We connect to over 90% of personal and business bank accounts in Latin America, as well as tax institutions and gig economy platforms. Our Connect Widget can be integrated into your product in just minutes. Save months of development and focus on what really matters to you. Our platform is built on top of best-in-class security infrastructure and we are currently going through ISO 27001 certification. Connect your users’ financial accounts and enrich their data in simple steps. From lending to smart saving, we’ll help you create what your users need. Access, aggregate, and interpret customers’ financial information, such as their income, to build better borrowing experiences.

We enable companies to build and launch best-in-class financial products. Issue and service white-labeled Cards for individual and business accounts. Our customizable virtual or physical Cards are available with dynamic spending limits and zero incremental fees. Enable users to earn interests on their funds with high-yield Savings Accounts. Choose between Savings Deposit Accounts or Savings Sub-Accounts. Interest is accrued daily and paid monthly. Service and Issue One-Time Loans for your customers with our developer-friendly APIs. One-Time Loans are highly customizable with capped APR accrued interest and no late fees. Build a customized payment flow to enable ACH payments or to connect and verify a user’s ACH account. We offer Regular ACH and Same-Day ACH. Both types support debit and credit transactions. Enable support for Domestic and International Wires with our automated back office.

Applicant portal helps small businesses build complete packets in record time. Empower your financial institution to offer a cutting-edge loan origination enhancement tool under your brand, providing a seamless experience for your users. Customize our platform to align perfectly with your brand, ensuring a familiar and engaging user journey. Seamlessly connect our solution with your systems for a unified and efficient loan processing experience. Drive user engagement and loyalty with an intuitive platform that keeps your customers consistently connected. Maximize loan approval rates using readiness scoring and personalized recommendations. Monitor applicant readiness and maximize underwriting efficiency using data-driven analytics.

Grow revenues and delight your customers by building financial features into your product. Unit owns the heavy lifting of compliance and bank relationships so you can build, launch, and grow faster. Build unique features using our suite of APIs, developer tools, and guides to launch in as little as five weeks. Offer unique features and terms that work for your users. Customize the experience with Unit’s flexible API. Unit owns the heavy lifting of compliance and bank relationships so you can build, launch, and grow faster. Fast, reliable, and secure platform that is trusted by start-ups, leading brands, and publicly traded companies. Offer seamless banking solutions for freelancers and gig economy workers - cash advance, automated tax calculations, integrations with Abound, Plaid, and more.

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.

Financial Institutions are redefining their bank operating models to become customer-first, while fintechs and developers are searching for new routes to market. An open banking platform utilizes APIs that allow different products and solutions to work together in inspiring new ways. A one-stop portal that is flexible and scalable makes financial institutions more agile, competitive, and generates growth. Customize the services your customers need and provide the cutting edge technology we all expect in our digital experiences. From Retail Banking, Payments, Lending, Corporate Banking and Treasury & Capital Markets access Finastra’s breadth of proven banking solutions. Be ready today and fit for the future. Are you a developer or fintech looking to disrupt the market? Or a financial institution looking to build new innovations for your clients? Access APIs from Finastra’s core systems to start developing new apps or integrating your existing apps.

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.

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.

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.

Highline is a new payments platform that automates bill payments directly from payroll. Lenders can decrease missed payments by up to 2/3rds, reduce credit losses, expand customers’ credit options, and better support financial wellness. Highline supports all forms of recurring bill payment, from personal loans and credit cards, to rent and utilities. Simply drop the Highline API into your customer experience and give qualifying customers instant access to a better way to pay. Highline mitigates risk behind the scenes. When a customer’s employer sends their paycheck, Highline divides it as needed. The loan payment flows through the customer’s virtual Highline account directly to the lender, and the rest flows normally into their checking account.

Layer helps software companies launch accounting for their SMB customers. Increase engagement, drive revenue, and become the financial home for your SMBs. A complete accounting solution embedded within your platform. Combine data within your platform with data from customers' external financial accounts to build a complete picture of their accounting. Pass data directly to Layer via our API or use our pre-built integrations with top embedded fintech platforms. Launch an accounting product with workflows designed for your customers’ size and industry. Save customers from generic one-size-fits-none accounting software. Launch a completely white-labeled experience within your platform. Use Layer’s full suite of brandable UI components or build on top of Layer’s API to completely customize the experience. Become customers’ core system of record and increase attach rates to your other financial products.

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.

We deliver wealth, as a service. Expand or modernize your wealth management delivery with a sophisticated platform that embeds seamlessly into your enterprise. Enabling modern wealth management delivery. From modernizing legacy programs to launching them for the first time, OneVest helps you get to market faster. Embed wealth services into your platform and get up-and-running without the overhead. Offer a modern customer experience and upgrade your infrastructure with an end-to-end platform. Deliver a modern wealth management experience to your customers by embedding OneVest services into your applications. Our developer-friendly API allows you to create a customized wealth management experience. Leverage OneVest's wealth platform as your own without needing to build it all yourself. Showcase your brand with web and mobile apps that allow you to get to market quickly and effortlessly. Seamlessly deliver wealth management in conjunction with your existing back office.

With embeddable features backed by unified due diligence and a flexible general ledger, companies have access to a unified platform that provides the building blocks to accelerate innovation and launch world-class products. Use our application builder to configure your application. We’ll generate a customized guide to make your integration quick and easy and an implementation timeline so you’ll know what to expect. We’ll build your sandbox environment. You can deploy a white-labeled turnkey solution, integrate with our API or SDKs, or use any of the UI widgets to build your own product. Optionally, we can deploy the application inside your existing cloud infrastructure so you can maintain full control of compute, storage, and version. Depending on your application, you can deploy in as little as three weeks. We’re committed to help you launch a world-class product! Bundle account verification, linking, and ACH transfers with a unified solution.

Build, upgrade, and grow with easy access to an entire financial ecosystem. Accounts, FX, domestic and international payments, acquiring, open banking, and more - all delivered through a single, developer-first API. Create new and exciting customer experiences by embedding financial services within your products. Your customers never need to leave your ecosystem again. Improve customer-facing and back-office operations with seamless integrations with your existing systems. Move all your services to OpenPayd and enjoy market-leading rates, coverage, technology, and support. Scale at speed by accessing local payment rails, unrivalled FX management, an extensive network of global licences, and much more. Make and receive payments locally or internationally with access to OpenPayd's global banking network.

Stripe Treasury is a banking-as-a-service API that lets you embed financial services in your marketplace or platform. With a single integration, enable your customers to hold funds, pay bills, earn yield, and manage cash flow. Stripe Treasury provides the modular components you need to build a full-featured, scalable financial product for your customers. We’ve partnered with banks to enable ACH and wire transfers, FDIC insurance-eligible accounts, and faster access to payment funds, all within your platform. Create an account object with a single API request. Onboard users verify their identity and provide an account with one of our bank partners in minutes. Establish a store of funds and configure the properties of your financial product. Enable different ways to transfer funds in and out of an account. Issue custom payment cards to give users more ways to spend their funds. Stripe Treasury is built in partnership with a network of banks.

Business payments are clunky, costing you time, resources and customers. We provide an API payments infrastructure so you can efficiently automate and embed payments. Unlocking operational efficiency and revenue drivers. Automate your B2B payment flows, including receivables, payables, collections and disbursement. Maximize the efficiency of your teams and reduce operational costs. Put payments at the heart of your platform, workflows and customer experiences. Embed access to UK, EU, international and card payment schemes within your software. We're the 'out of the box' payments plumbing you need to build the next best bank or payment service. Grow faster and go further supported by our platform. Securely disburse loans and collect repayments into segregated accounts on an automated, real-time and 24/7 basis. Pay workers on time, every time with a real-time view of cash flow, instant emergency payments and robust approval controls.

Stripe Connect is the fastest and easiest way to integrate payments into your platform or marketplace. Our APIs enable you to build and scale end-to-end payments experiences, from instant onboarding to global payouts and create new revenue streams, all while having Stripe handle payments KYC. Get to market faster without the upfront costs or development time usually required for payment facilitation, with Stripe-hosted onboarding. Make payments a powerful source of revenue with our revenue share program, or mark up payments to earn on every transaction. Reach more customers worldwide with a global payments platform, and support 135+ currencies and local payment methods through a single integration. Monetize Stripe’s complete suite of financial services products by offering financing, expense cards, or money management accounts to your users. Whether you use Connect’s pre-built, optimized UIs or build your own custom flows, it’s easy to get your users up and running quickly.

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.

Our Banking-as-a-Service platform has everything you need to build your own banking products. Solarisbank is a technology company with a German banking license. With our straightforward APIs, you can integrate our fully digital banking services directly into your product. We have mastered the technical and regulatory complexities of banking, so that you can focus on what's really important: your customers. Create your own banking product with our powerful APIs. Build your own neobank with our Digital Banking and Cards APIs. We take a B2B2X approach, meaning you remain the owner of the full customer relationship. Our simple and self-explanatory API documentation will have you up and running in next to no time. Our Banking-as-a-Service platform is based on modern RESTful APIs that can be mixed and matched to suit your needs. We shoulder the regulatory burdens of running a licensed bank, so you can focus on your customers’ needs.

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.

Embedded finance offerings for the B2B ecosystem orchestrated on a single platform enable enterprises, distributors, and retailers, and financial institutions to rapidly grow their business. actyv.ai brings together cutting-edge technology and embedded financial offerings, catering to each of the B2B supply chain ecosystem stakeholders. Onboard business partners rapidly in a completely digitized process using actyv Go. Ensure data-backed decision-making and remove subjectivity while onboarding business partners leveraging actyv Score. Get access to embedded buy-now-pay-later payment options for your working capital needs through actyv PayLater and secure your BNPL credit through bite-sized actyv Insure. actyv.ai’s platform provides quantifiable benefits to all stakeholders in the B2B ecosystem. A seamless onboarding and scoring experience with access to embedded finance offerings on a single platform.

Quiltt offers turnkey consumer fintech infrastructure so anyone can launch innovative financial experiences. It doesn’t have to be. We’ve threaded together the infrastructure innovators need to quickly launch customer-facing features into their products - account connections, round-ups, bill management, and more - in a fraction of the time, at a fraction of the cost. Quiltt Connect is an embeddable UI module that lets you access a complete, context-rich financial picture of your customers. Built on the Quiltt GraphQL API, Connect comes pre-integrated with Plaid's industry-leading bank data network, and Spade's powerful transaction enrichment service. Connect can be added into your product experience with just a few lines of code, freeing your team to focus on your core innovations.

From a single API and with just one contract, HUBUC covers compliance and provides access to fintech and banking services for brands to create new revenue streams, increase customer loyalty and enhance user experience. We offer: - Embedded Banking: open local IBAN accounts within your product. Receive funds instantly and reconcile transactions with intelligent automation across 58 countries. - Embedded Cards: grow your business and launch new services at pace with prepaid, debit and credit cards which are connected to the world's largest payment networks. We are making this possible in three simple ways: - We provide access to developer-friendly, powerful tech stack to our clients through one single API. - We connect fintech capabilities of industry giants such as VISA & Mastercard, issuing banks, innovative FX, security and compliance players to our clients through one contract. - We guide implementation and secure transactions across all 58 markets where we operate.

Banxware provides the technology and the funds for business financing of any kind, fully embedded in your platform or as an affiliate solution, all managed by Banxware. Help your merchants grow their platform revenues. Provide your merchants with easy access to capital based on their most recent performance. You’re in the driver's seat. Looking for integrated business financing of any sort embedded in your platform? You define your needs, we build and run them! Offer your merchants a platform-branded cash advance program based on transaction volume, straight from your payment gateway. Increase merchant revenues on your marketplace. Offer a business lending product embedded in your merchant portal. We make integrating business financing solutions into platforms as easy as 1-2-3. We approve payout financing within 15 minutes. Banxware empowers platforms to offer financing products based on recent financial transaction history such as merchant cash advances.

Alchemy’s Lending Platform is purpose-built to specifically address the needs of today’s consumers. Alchemy offers a full range of lending as a service offering. Starting with our end-to-end white labelled lending platform. It is designed to launch your lending product quickly and effectively. At Alchemy, innovation is part of our DNA. Our founders are well-known industry thought leaders that solved some of the most difficult technology and analytic issues within large banks, online lenders, and speciality financing firms. Alchemy has designed and tailored custom onboarding experience for every financing vertical. Our embedded financing software incorporates specific underwriting, product definition, risk-based pricing and lending management functionalities in a complete solution. Alchemy has designed and tailored custom onboarding experience for every financing vertical. Our embedded financing software incorporates specific underwriting, product definition, risk-based pricing.

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.

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.

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.

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.

jaris makes it simple to offer private-label embedded financial services your small business customers need, within one platform. Increase customer satisfaction with private-label, high-value financial solutions businesses rely on. Implement in-demand solutions like Credit as a Service in months (not years) with jaris’ purpose-built API. From underwriting to financing and servicing, jaris offers a complete, all-in-one, full-stack financial solution. Be indispensable to your customers by providing easy-to-use financial services they simply can’t live without. Deliver modern, fast financial services to customers exactly when and where they need them. Offer embedded financial solutions to gain greater market share while leapfrogging the competition. Deliver quick, highly competitive financing solutions within your own customer application, providing a seamless and innovative user experience.

Bond allows any company to become a fintech. With Bond, you can build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified platform. Automation has never looked so good. Watch as Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live.

Launch your payroll product faster. Grow revenue and delight your customers by launching payroll without the engineering hassle. Delight your customers with payroll built into your platform. We’ll delight you with an effortless product launch. Become indispensable adding a payroll solution on top of your existing features, which means your customers can get everything done inside their favorite platform. We haven’t just replicated what’s out there, we’ve leveled up. Our infrastructure is faster to set up, easier to maintain, more scalable, and less error-prone. Now available in the U.S. & Canada. Launch your product out in the world within just a few weeks and get fast, valuable feedback from customers to keep growing. The Salsa team is the most experienced in the industry. We’ll be behind you every step of the way and can help you design, research, and build. Our tools combine ease and flexibility with maximum customization.

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.

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.

Connect your favorite payment and commerce services, create beautiful customer journeys and expand into new markets fast, with one unified infrastructure. Drive more revenue with sophisticated, end-to-end workflows. Build brilliant customer journeys and keep customers happy with limitless payment options and commerce services. Integrate Primer once to boost your payment success forever. Create your own payment experience, then track and manage everything seamlessly across your payment processors. Add as many payment methods as you need in minutes and choose how, where and when customers see them at checkout. No compromises, our unified API and suite of tools optimize payments, no matter which processor you use. Unlimited apps and integrations to grow your payment and commerce stack. Smash your goals with a clear source of truth across your entire stack. Track and manage payments, reporting, and everything, from one beautiful dashboard.

Offer your customers accounting software directly inside your platform. With Teal, you can build the financial hub that drives attachment and engagement with the rest of your financial services products. Build the complete financial operating system for your customers. Give your customers the critical insights they need to run their business, by combining data from multiple sources into Teal's general ledger. Build the single source of truth for your customers' finances and accounting, and watch the attached rates on your financial services products grow. Use our out-of-the-box integrations to ingest data and produce insights, or submit your own data through our API. Go live with your fully featured accounting suite in weeks, not quarters. Teal gives you modular front-end code snippets that can be incorporated into your core product and modified to your exact requirements. Our implementation engineers will work closely with your team to get you to your target implementation, fast.

Gr4vy empowers you to grow your business and implement new services and opportunities with no additional cost, resources or development time. Our cloud infrastructure manages your payment methods, services and transactions all in one place, while eliminating single points of failure, and shared infrastructure risks. From local payment methods to buy-now-pay-later solutions, Gr4vy helps you offer customers more freedom at checkout with just a few clicks. Our no-code tools help you add, test, and deploy new payment providers in minutes with zero development time. With Gr4vy you only pay for the services you use. We believe in simplicity in our platform and our pricing. No high-cost flat rates or per-transaction fees. Gr4vy grows with your business and provides more payment options, services, and providers as you need them—ensuring you’re always ready for what’s next.

Leverage our insights to make informed lending decisions, ensuring risk management and better customer experience. Identify indicators of delinquency and potential fraud related to unreported credit obligations and stop fraud before it happens. Stay ahead with real-time market trends, adapting strategies swiftly to capitalize on emerging opportunities in the market. Craft laser-focused campaigns with customer segmentation insights, driving engagement and conversion rates. Use machine learning models, financial insights, and transactional data to build incredible products and deliver value to your organization.

Embed loan repayment, data, balance transfers and automation - all through a single API. Method allows developers to engage with their users’ debts with our debt-agnostic solution. Lower lending risk and increase revenue by engaging directly with your users' debts. Method connects to all student loan, credit card, auto loan, mortgage, and utility bill merchants out there. Method's APIs don't break and the users never have to re-authenticate. Method handles compliance requirements, identity verification, and bank partnerships so you can focus on building. Initiate payments to any of a user's liabilities. Settlement in as little as a couple of minutes. Instantly retrieve all their liabilities - no credentials required. Method will return real-time data for all liabilities for a user. Attract top talent and retain employees by addressing one of their top concerns: financial wellness.

The Ninth Wave Platform is a single, comprehensive open banking solution that enables financial institutions to securely and efficiently share permissioned data with a wide array of third-party applications including aggregators, fintechs, accounting and ERP solutions, personal financial management and wellness tools, tax prep software, and other consumer and business solutions. With Ninth Wave, retail and commercial banks, credit unions, wealth and investment managers, and other financial services firms can give their customers fast, convenient access to their data on their terms – at any time, through whatever app or solution they choose. The result is an enhanced digital experience that boosts satisfaction and loyalty, attracts new customers, opens up new revenue streams, reduces risk, and ensures regulatory readiness for our clients.

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.

Whether in education, healthcare, travel or technology, Flywire has vertical-specific insight and technology that enables organizations to optimize the payment experience for their customers while eliminating operational challenges—from invoicing to payment reconciliation. Flywire’s comprehensive receivables solution empowers education opportunities by enabling institutions to seamlessly receive and reconcile payments from anyone, anywhere in the world—at any time. Flywire transforms your process with flexible, patient-centric payment options that respond to patient financial needs to settle payments faster and on mutually beneficial terms. Flywire gives your guests and suppliers a safe and intuitive way to pay, so you can focus on giving them an unforgettable experience.

atomic. the trusted way for people to connect their payroll accounts to an app. Direct deposit receipt is a leading driver of account profitability, but updating the bank account on file is traditionally laden with friction, fraud, and manual processes. Direct deposit receipt is a leading driver of account profitability, but updating the bank account on file is traditionally laden with friction, fraud, and manual processes. Accurate identity information is crucial to fraud reduction and customer engagement, but difficult to gather and verify during user onboarding. Friction, inconvenience, and human-error prevent users from transitioning their credit card and loan balances between financial institutions, even when substantial savings are at stake. By allowing users to connect their payroll account to your application, detailed user data can be provided directly from their employer. This data is up-to-date, verified, and delivered in real-time.

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.

BBVA wants to help your small business. Discover our market-leading checking accounts designed to support your small business. Earn interest on the money your small business makes, plus get the added security of being able to “sweep” funds to your business checking account when you need them. Find business loans for every project—no matter how big or small—tailored to your unique business needs. Manage your business’ spending and cash flow, plus earn rewards on Qualifying Purchases you make with our Visa® credit card options. Find everything you need to keep business running smoothly, including POS systems and the ability to accept more payment types. Explore special programs built for your business or non-profit, with offers exclusive to BBVA customers. The dream of small business takes a can-do attitude. The pandemic shook that self-reliance. It was our honor to be there and help those dreams continue.