Embedded Finance Software Development

Payment acceptance integrated into your product's native UI rather than redirecting users to a hosted payment page. Stripe, Adyen, and Checkout.com embedded payment elements with your product's styling, font, and colour system applied, the payment form looks like it belongs to your product, not a bolted-on external widget. 3DS2 authentication flows handled inline so strong customer authentication (SCA) does not drop the user out of your checkout context.

Payment method management: saved card vaulting so returning users do not re-enter card details, Apple Pay and Google Pay for mobile checkout, and SEPA Direct Debit and ACH for recurring or subscription billing use cases. Split payment logic for marketplace platforms: a single buyer payment disbursed automatically to the seller account and the platform fee account at the point of settlement, no manual reconciliation. Payout scheduling for seller wallets: T+1, T+2, or instant payout options depending on the BaaS provider's settlement rails and the seller's verification tier. Conversion optimisation at the UX level: field order, error messaging, and payment method presentation tuned to reduce drop-off at the payment step rather than defaulting to the provider's out-of-box layout.

Working capital and point-of-sale financing embedded into the product context where the lending decision is most relevant: a marketplace seller's dashboard showing a capital advance offer based on their trading history, or a SaaS platform extending a credit line to a subscriber based on their subscription tier and payment history. The offer surfaces inside the product, the application is completed without leaving the product, and the funds arrive in the merchant's account, the user never visits a lender's website.

Real-time credit decisioning via BaaS provider lending APIs (Unit, Marqeta, or direct lender partnerships) or a custom decision engine built against your product's proprietary data signals. The decisioning model is configured during discovery: which data signals from your product are predictive of creditworthiness, what the credit policy limits are (maximum offer amount, term, rate), and how offers are presented to different user segments. Loan origination document generation, e-signature collection via HelloSign or DocuSign API, and funds disbursement to the borrower's connected account complete the origination flow without manual intervention. Repayment collection via direct debit or revenue-based deduction from marketplace earnings for seller advance products.

FDIC-insured (US) or FCA-regulated (UK) bank accounts issued to your users or business customers through a BaaS provider without requiring your platform to hold a banking licence. Railsr, Unit, Treasury Prime, and Griffin cover the US and UK markets with varying levels of API maturity, compliance documentation, and time-to-live. Provider selection is based on your target market, the account features required, and the BaaS provider's current sandbox and production timelines, which vary more than their marketing suggests.

Embedded debit card issuance: virtual cards available immediately on account opening for online spending, physical cards fulfiled through the BaaS provider's card programme. Spend controls configurable per card: merchant category restrictions, transaction amount limits, and blocked merchant lists applied at the BaaS provider's authorisation level rather than as a post-transaction rule. Account and card UI components embedded in your product: balance display, transaction history, statement export, and card management (freeze, unfreeze, PIN change) all surfaced inside your product's navigation rather than redirecting to a separate banking interface. Push-to-card and push-to-account payouts for gig worker and marketplace seller use cases where the payout destination needs to be a card or account issued through your programme.

Know Your Business (KYB) and Know Your Customer (KYC) verification embedded into your onboarding or feature-activation flow. KYC identity verification via Onfido, Jumio, or Persona: government ID document capture, liveness check, and identity match against document data. Verification results returned in real time so a user who passes KYC can access the financial feature immediately, without a manual review queue introducing a delay that most users interpret as rejection.

KYB verification for business accounts: company registration lookup (Companies House in the UK, state registry in the US), beneficial ownership confirmation with UBO collection for entities above the AML threshold, and director identity verification. Risk-tiered onboarding: lower-risk business profiles (sole traders, small businesses with clean registry data) complete an automated verification path; higher-risk profiles (complex ownership structures, high-risk jurisdictions) route to an enhanced due diligence queue with a defined review SLA. Ongoing monitoring: PEP (Politically Exposed Person) and sanctions list screening at onboarding and on a configurable refresh cadence, with match alerts routed to your compliance team's review queue. The verification state per user or business is stored against their account record and drives feature access, a user who has not completed KYC cannot access the payment or lending feature until verification passes.

Integration with Banking as a Service providers covering the US and UK markets: Unit and Treasury Prime for US account and card programmes, Railsr and Griffin for UK and EU programmes, and Synapse for cross-market use cases. BaaS provider selection based on your geographic requirements, the financial products you need to offer, and the BaaS provider's actual production timelines rather than their sales materials, provider maturity and compliance programme depth vary significantly.

API integration architecture covering account lifecycle management (open, close, suspend, reinstate), transaction event webhook processing, ledger reconciliation, and error handling for the full range of BaaS provider-side error conditions. BaaS provider compliance programme integration: submitting the product disclosure and user agreement documentation the BaaS provider requires before going live, supporting their compliance review process, and implementing the transaction monitoring and suspicious activity reporting (SAR) workflows the BaaS provider's programme requires. Multi-BaaS provider redundancy for critical financial features: fallback routing if the primary BaaS provider experiences downtime, using a normalised API layer so your product code does not need to be aware of which provider handled a given transaction.

Compliance infrastructure for FCA-regulated and PSD2-governed embedded finance features. For AISP (Account Information Service Provider) use cases, reading user bank data to power budgeting, cashflow analysis, or lending decisions, the consent flow must meet FCA requirements: clear disclosure of what data is being accessed, informed consent before access, and user-accessible consent management with revocation. We build these consent flows to the FCA and PSD2 standard, not as a generic "allow access" UI.

For PISP (Payment Initiation Service Provider) use cases, initiating payments from a user's bank account, per-payment consent is required under PSD2. We build the payment initiation consent flow, the bank authentication redirect, and the payment status tracking through the Faster Payments settlement cycle. Transaction monitoring for AML: rule-based and ML-assisted transaction scoring to flag suspicious activity patterns, with flagged transactions routed to a compliance queue with a configurable review workflow. The monitoring ruleset is configured to your product's transaction types and customer risk profile during discovery. API banking integration via open banking standards (UK Open Banking, PSD2 TPP frameworks) for account data and payment initiation where direct BaaS provider access is not required.