Best Banking as a Service (BaaS) Software
Banking as a Service (BaaS) solutions integrate financial products into non-financial service-businesses using APIs. BaaS providers partner with licensed banks, package the partner banks’ products (checking and savings accounts, credit cards, payment processing, etc.) with their own technology and make the bundle available via APIs to their customers. BaaS solutions are often white-labeled or co-branded to allow consistent branding for users. BaaS providers are the tech-enabled middle layer between non-financial services businesses who want to offer financial products and the banks themselves.
BaaS solutions work by using financial data APIs to connect to financial data and products and allowing non-financial services companies to embed a variety of financial products within their own solutions. BaaS users, which include fintechs, neobanks, and non-financial services companies like e-commerce organizations, may opt to embed a bank’s existing financial products within their own solutions, or they may use BaaS tools to access the bank’s customers’ financial data and build their own, white labeled financial products. BaaS removes a large portion of the regulatory and compliance challenges that come along with expanding into financial services, freeing up non-financial services businesses to focus on their core business while expanding the breadth of their offerings.
BaaS solutions rely on Financial Data APIs to connect to financial data and embed banking products in non-financial services solutions.
To qualify for inclusion in the Banking as a Service (BaaS) category, a product must:
Best Banking as a Service (BaaS) Software At A Glance
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- Overview
- Seller Details
Fast deposits come standard. When you take a payment with Square, you get your money in your bank account in one to two business days. Unlike with many other payment processors, this comes standard—no
- 90% Small-Business
- 10% Mid-Market
308,353 Twitter followers
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Airapi is: - an API Gateway and End-to-end API Management Platform, including a developer portal to offer your APIs to fintechs and developers - Open Banking Solution, compatible with PSD2, Berlin G
- Banking
- 55% Small-Business
- 25% Mid-Market
26 Twitter followers
- Overview
- Seller Details
Banking and accounting systems working in perfect harmony? FISPAN did that. We've revolutionized how businesses manage their finances by seamlessly integrating banking capabilities directly into yo
- 50% Small-Business
- 50% Mid-Market
336 Twitter followers
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- Pros and Cons
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SunTec modernizes the strategic revenue layer for enterprises worldwide. Our intelligent, AI-augmented, cloud-native platform powers the entire revenue value chain - pricing, billing, deal and offer m
- 100% Mid-Market
5,193 Twitter followers
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Your One-stop Shop for Embedded Finance. Outsource all your payment needs to the European Banking-as-a-Service leader! Treezor is an independent provider of outsourcing and white label solutions for
- 67% Small-Business
- 33% Enterprise
1,283 Twitter followers
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Unit is the leading embedded finance platform helping software companies launch a financial hub that gives customers access to working capital, money management, and accounts payable tools. Unit’s Rea
- 67% Mid-Market
- 33% Small-Business
- Overview
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FIS Core Banking offers agile solutions that integrate seamlessly with our core systems or with others via a componentized architecture. This approach enables community, mid-tier, large and global fin
- Banking
- 62% Enterprise
- 31% Mid-Market
26,823 Twitter followers
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- Seller Details
Mambu is a cloud platform designed to let user rapidly build, integrate, launch and service any lending portfolio into any market. SME lenders.
- 100% Mid-Market
3,183 Twitter followers
- Overview
- Seller Details
Ascertain Technologies is a leading Banking Software Product, Solutions and Service provider in Malaysia. With over 15+ years of experience in the BFSI sector, we empower banks to embrace digital tran
- 100% Small-Business
- Overview
- Seller Details
Finzly BankOS is a digital banking platform and a parallel core. BankOS, fosters innovation on a cloud native, API-first digital core that allow banks to launch modern solutions quikly and to partne
- 50% Small-Business
- 50% Enterprise
270 Twitter followers
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- Seller Details
Issue physical and virtual debit cards with our fully built and configurable embeddable applications. No lockups, minimums, or other hidden fees. Plus, earn revenue on every swipe!
- 100% Small-Business
- Overview
- Pros and Cons
- Seller Details
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 innovati
- 78% Small-Business
- 22% Mid-Market
483,983 Twitter followers
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We're closing the gap between community banks and FinTechs. Empowering you with fast, secure, and scalable partnership banking solutions, we tear down integration complexity and build bridges. We're h
- 100% Small-Business
- Overview
- Seller Details
Weavr provides Plug-and-Play financial services to innovators who are not just building a business. They’re changing the game. Up until now, adding financial services exactly where and when your cust
- 50% Enterprise
- 50% Mid-Market
- Overview
- Seller Details
Youtap Digital Banking is a comprehensive, cloud-native platform designed to empower banks, fintechs, and financial service providers to deliver secure, real-time digital banking solutions across mobi
- 67% Small-Business
- 33% Mid-Market