Our infrastructure, your product experience
Embed regulated accounts, SEPA payments, cards and payouts into your product, without building every component yourself.
Why not build it all yourself?
Building regulated payment infrastructure directly is slow, costly and operationally demanding. You may need licences, scheme access, payment connectivity, safeguarding arrangements, compliance systems, onboarding processes, transaction monitoring, fraud controls, reporting and specialist payments expertise.
For many fintechs and platforms, that investment distracts from the core product roadmap. FinXP Banking-as-a-Service gives eligible businesses a faster route to a credible payment layer, supported by regulated infrastructure and practical implementation guidance. It does not remove the need for controls; it gives you a clearer path to embedding payment capability under an approved structure.
Banking capability built into your product
Your users may need dedicated Euro accounts. Your platform may need SEPA transfers, cards, payouts or reconciliation support. These building blocks combine into a model that fits your commercial objectives and user journey, subject to eligibility, onboarding and approval.
Dedicated Euro IBAN accounts
For many embedded finance models, the account is the starting point. Give approved users, clients or platform participants their own Euro IBAN accounts to receive, hold and move funds, with the account model designed around who the holder is, what the account is used for and how funds are safeguarded.
SEPA payments and collections
Euro transfers and relevant collection flows connect user accounts, merchant settlement, supplier payments and internal operations into one joined-up model, giving your product a reliable Euro payment layer without building direct payment connectivity from scratch.
Card issuing
Where the programme structure allows, extend embedded payments into the real world with physical and virtual cards for employee spend, customer access to funds, marketplace card programmes or platform-led propositions.
Cross-border payouts and reconciliation
Pay affiliates, sellers, contractors, suppliers and partners across relevant countries and currencies, subject to corridor availability and approval, with flows designed around reconciliation so finance teams can trace collection to balance, payout and settlement.
Designed for product, finance and compliance teams
Banking-as-a-Service decisions affect more than one team, so the model is designed around all three.
Not only an API proposition
A credible embedded payment model requires compliance, onboarding, transaction monitoring, safeguarding measures, fraud controls, operational resilience, reporting, customer support and clearly defined responsibilities between FinXP and your platform.
FinXP works with clients to define the approved model before implementation, assessing the use case, user types, payment flows, jurisdictions, risk appetite and operational obligations. The result is a payment layer designed around both product ambition and regulatory discipline.
This model suits fintech platforms offering payment accounts, marketplaces managing seller or merchant flows, B2B platforms handling supplier or contractor payments, creator and affiliate platforms managing payouts, and SaaS products embedding payment functionality.
From scoping to live integration
Every embedded model is scoped, assessed and approved before launch. The right structure depends on your product, users, jurisdictions and risk profile.
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01
Scope the use case
Walk us through your product, user base, jurisdictions, transaction flows and regulatory requirements. We assess fit early and honestly.
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02
Design the model
Together we define which building blocks you need, accounts, payments, cards or payouts, and how they connect to your user journey.
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03
Approve and onboard
Compliance assessment, onboarding requirements and clearly defined responsibilities between FinXP and your platform, agreed before implementation.
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04
Integrate and launch
Connect to the approved capabilities and go live, with operational support as your volumes and product scope grow.
Infrastructure that already carries serious volume
Your embedded payment layer runs on rails that European businesses already depend on every day.
Accounts opened and operated on FinXP infrastructure.
Collections processed through FinXP every month.
Operating as a regulated European payments provider since 2014.
Acceptance and payout breadth across the FinXP stack.
Who’s building with FinXP
As the CEO of an EU based Acquirer, it is always comforting to work with partners that are also regulated within the EU. I am proud to have FinXP as one of our trusted partners and look forward to continue building on the existing relationship that is based on mutual trust and professionalism.
Steve Grech
CEO, acquiring.com
From the start of our partnership in 2018, we found FinXP very efficient and pragmatic. Their professionalism and knowledge of the payment ecosystem has really helped us elevate our services. Their team offer very good advice and their processes are smooth and diligent. I can definitely recommend their services.
Mickael Marceau
Head of Payments, Kindred Group plc
The Megalon Group AG has expressed great satisfaction with the collaboration, adaptability, and high service quality. FinXP has demonstrated remarkable professionalism. Brainstorming solutions and possibilities with them has been a pleasure!
Andreas Meyer
Board of Directors, Megalon Group
What Is BaaS? A Simple Introduction
It's an arrangement where a business offers payment accounts, cards, or related financial features within its own product, without holding a licence itself; a licensed partner, behind the scenes, holds the regulatory permissions and safeguards the funds.
No; that's the point of BaaS. The licensed partner carries the regulatory responsibility for holding and moving the money; your business builds the product experience on top.
The licensed partner behind the arrangement is responsible for safeguarding the funds, though your business retains responsibility for its own product, customer relationships and conduct.
An API is just the technical access point. BaaS is the regulatory and operational arrangement behind that API. You can have great API documentation sitting atop a fragile or layered licensing structure, which is why what's behind the interface matters more than the interface itself.
They're closely related; embedded finance is the broader concept of building financial features into a non-financial product, and BaaS is typically the infrastructure model that enables it.
Whether the provider holds its own licence directly or relies on a further partner, how client funds are safeguarded, and whether the infrastructure covers the full stack you need (accounts, cards, payment rails) or only part of it.
If your BaaS provider itself relies on a further licensed partner, you're exposed to that upstream relationship changing, being repriced, or being withdrawn, often with limited visibility until it happens. This is exactly why checking who holds the licence directly matters.
Yes, provided the BaaS partner holds card scheme membership (such as Mastercard Principal Membership) directly, rather than being sponsored by another issuer.
No. The licensed partner carries regulatory responsibility for the funds and infrastructure, but your business still owns responsibility for its own product, customer relationships and conduct; BaaS doesn't remove that.
It's like renting a bank account feature for your app: someone else holds the licence and keeps the money safe, and you build the experience your customers use on top of it.
Embed payments
into your product
Embedding payments starts with the right structure. Speak to FinXP about your use case, user journey, required payment flows and integration needs.