What is embedded finance? How any business can offer payments, cards and accounts
By SendPay Business · · 2 min read
- 1Your card appears in your app
- 2Tap it to pay in a shop
- 3See every payment as it happens
Embedded finance is when a business that isn't a bank offers financial services inside its own app or website. Think of a ride app with its own wallet, a marketplace that pays its sellers, or a shop offering its own branded card. Customers never leave the brand they already use.
Common examples
Tap to explore
Tap each one to see what it means.
Embedded payments
checkout, payment links and saved cards inside an app.
Wallets and accounts
a balance customers can top up, spend and withdraw.
Branded cards
a card with the company's name, spending from that balance.
Payouts
marketplaces and platforms paying sellers, drivers or freelancers.
Why businesses do it
It keeps customers in their own app, earns a share of fees and card spending, and gives the business more insight into how its customers pay. For marketplaces, it also makes paying sellers simpler.
Try it
Name your platform and watch it come to life
Type a name, tap a colour and pick what it does. The phone changes as you go.
Colour
What it does
Design and preview your whole platform free, then launch when you are ready.
How it works behind the scenes
The business rarely holds a licence itself. A licensed partner holds the customer money and runs the regulated parts, while the business owns the brand and the customer experience. This is what banking-as-a-service and white-label platforms provide.
Getting started
Start with the one feature your customers need most, such as payment links, payouts or a branded card, and add more as you grow. SendPay platforms, powered by licensed partners, are free to design and preview, and you launch when you are ready.
How it works
Your own money app- 1Name it and pick your colours
- 2Choose what it does
- 3Launch when you are ready
Why sign up
Create your free SendPay account
It's all about creating your own financial platform with ease. Start with a free account today.
- 🪪A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
- 💳Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
- 🌐A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
- 🚀Your own financial platformDesign and preview your whole platform free, then launch when you are ready.
SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.
Questions people ask
What's the difference between banking-as-a-service and white label?
The comparison guide explains both and who each suits.
BaaS vs white label →How do marketplaces pay sellers?
The marketplace payouts guide covers splitting payments and paying sellers.
Marketplace payouts →What could my platform earn?
The calculator works it out from your own numbers.
Platform earnings calculator →Read next
Spotted a mistake or something out of date? and we'll fix it. How our guides are made
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.