Embedded Finance Companies, APIs & BaaS Platforms (2026): 304+ Compared

What is embedded finance?

Embedded finance is the integration of financial services — payments, accounts, cards, lending, treasury — directly into non-bank products via APIs. Marketplaces, vertical SaaS platforms, and ecommerce companies use embedded finance to offer money movement and credit without becoming a bank themselves. This page lists the embedded finance companies and BaaS platforms that power those integrations. For a deeper overview see our embedded finance guide or the short answer what is embedded finance?.

Auto-ranked from the directory by verified status, named reference customers, category breadth, and public-company signal. Each entry links to a full profile with products, customers, and alternatives.

1. Dateiotransaction-enrichmentCZ — Largest European card-linked marketing and transaction enrichment ecosystem. Dateio's two products serve different layers of the payment-data stack: Tapix is the transaction-enrichment API (clean merchant names, logos, MCCs, geolocation) used by banks to power transaction feeds in mobile apps, and Dateio Platform is a card-linked marketing engine that turns enriched transaction data into cashback rewards. Trusted by 50+ European banks and fintechs across 80+ markets, with 73M+ end customers engaging with the data daily.
2. Qonto EmbedBaaSFR — Embedded banking platform from European business-banking leader Qonto, letting SaaS, ERP, accounting and vertical platforms add white-label business accounts, co-branded cards (Card-as-a-Service) and payment flows on top of Qonto's regulated infrastructure. The API suite covers fast-track onboarding for existing companies, multi-organization account hierarchies with sub-accounts and dedicated IBANs, SEPA / bulk / international transfers in 30+ currencies, virtual & physical cards with Apple Pay and Google Pay, expense management and approval workflows, e-invoicing and supplier-invoice processing, transaction matching and monthly statements. Authentication is OAuth2.0 with real-time webhooks, API key management and separate sandbox / production environments, plus a Qonto-branded developer portal with OpenAPI specs. Operates a profit-sharing model (no setup or monthly fees; partners earn a % of Qonto's MRR per new account & card) and is available across Qonto's eight European markets — France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium and Austria. Qonto SA is a licensed payment institution authorized by the French ACPR (n° 16958).
3. MonexFXMX — Global B2B foreign exchange and cross-border payments provider. Monex Pay lets businesses and platforms transact in 130+ currencies across nearly 1,000 currency pairs, with an Open API and ERP connectors to embed international and domestic payments, FX hedging, and mass payments into their own systems.
4. Edenred Payment SolutionsBaaSGB — UK and EU embedded finance, digital banking, and card-issuing platform from the Edenred group (formerly PrePay Solutions / PPS). An Electronic Money Institution regulated by the FCA in the UK and the NBB in Belgium, and a Mastercard and Visa primary issuer. Edenred Payment Solutions provides a suite of APIs covering accounts and payments (including Faster Payments and SEPA), virtual and physical card issuing with tokenisation for Apple Pay, Google Pay and Samsung Pay, BIN sponsorship, and in-house Mastercard processing — handling €35bn+ in transactions in 2022. Headquartered in London with offices in Swindon, Brussels and Issy-les-Moulineaux.
5. Check (Payroll)PayrollUS — API-first payroll infrastructure for platforms. Check created the embedded payroll category and covers all 50 U.S. states with a 99.9% W-2 filing success rate. Stripe is a strategic investor.
6. MangopayWalletsLU — EU-licensed payment infrastructure built for multi-party platforms and marketplaces. Mangopay's wallet-based architecture lets platforms create unlimited end-user wallets, attach virtual IBANs, hold balances in multiple currencies, and orchestrate complex pay-in, split, escrow, refund, and payout flows from a single integration. Adds native multi-currency accounts, FX, identity verification, and fraud tooling so platforms can monetise payments (FX margins, wallet transactions) without third-party reliance. 207M+ wallets created and €68B+ processed; powers Vinted, Wallapop, Rakuten France, Malt, ManoMano, Mirakl, and Debenhams.
7. Spadetransaction-enrichmentUS — Real-time card-transaction enrichment and merchant intelligence for issuers, banks, and fintechs. Spade returns clean merchant names, exact geolocation, MCC, and a stable merchant ID at sub-50ms P99 latency — fast enough to use inside the authorization decision. Used to power smarter risk and authorization, accurate rewards attribution, and customer-facing transaction feeds that move disputes from chargebacks to direct merchant contact.
8. RyftPaymentsGB — Manchester-based, FCA-authorised payment facilitator and embedded payments provider for marketplaces, platforms and omnichannel retailers. Ryft lets platforms accept card payments, Apple Pay and Google Pay online and in person, onboard and KYC/AML-verify sub-merchants, automate split payments with custom commissions, and monetise the transactions they process — positioned as a lower-fee, faster-payout alternative to Stripe Connect. FCA Authorised Payment Institution (ref. 972895), PSD2 compliant and PCI DSS Level 1 certified. Raised a £5M Series A led by Edenbase in 2025.
9. KotaEmbedded BenefitsIE — Dublin-based embedded employee benefits platform and API that lets HR, payroll and vertical SaaS platforms offer pensions, health insurance, life assurance and flexible benefits in-product. Regulated by the Central Bank of Ireland, Kota connects insurers and pension providers directly to HRIS and payroll systems, replacing traditional brokers and manual admin. Formerly Yonder; raised a €12.8M Series A led by Eurazeo in 2025 (≈$22.9M total funding).
10. SalsaPayrollUS — Embedded payroll for U.S. and Canada in a single integration. Founded by veterans of HoneyBook and Intuit QuickBooks Payroll. Raised $30M total ($20M Series A in April 2025), grew 10x in 2024.