Banking as a Service
enabling your business scale
Embedded financial services allow you to focus on what you do best without your own license

Pamper your customers & yourself
with all-in-one experience
Acquiring your own license is complicated and expensive, and so is its maintenance.
Instead, connect to our developer-friendly API and integrate the services into your client-facing portal: offer accounts, payments, foreign exchange, white-labeled VISA Debit cards, or any other banking services to your clients hassle-free.
This is what we do
so you don’t have to
-
KYC/Onboarding
-
Handle
inter-bank
queries -
AML/CTF
monitoring -
Report to
authorities -
Issue IBANs
with LT prefix -
Execute Currency
Exchange -
Issue and manage
VISA cards -
Top-up
accounts -
Inter-ledger
transfers -
Execute
payments -
Collect
fees -
Refund
end-users
Banking as a Service
suited for multiple industries
Companies without a financial license:
- Aggregators
- Marketplaces
- Messaging platforms
- Loyalty program operators
- Crowdfunding platforms
- P2P Lending platforms
Companies with a financial license:
- Banks
- Payment providers
- Remittance companies
- Neobanks
Built-in regulation
ConnectPay is a licensed financial institution and you get to skip the costly and lengthy process of becoming regulated. No need to hire a compliance team, set up a risk management process, or be audited.

We’re here for you
Our team ensures all transfers and payments run smoothly and compliant. And we are here 24/7 to offer support and answer your banking related questions.
Flexible integration
Each use-case is different, that’s why we have built our APIs in a way that can be tailored to your business model. As long as it entails opening an IBAN account for a client and making payments, we got you covered. Find out more about our flexible APIs.
Responsibility matrix
We understand this might seem complex, so we broke it down for you to understand clearly
how we share the responsibility of handling your client.
You, the partner
ConnectPay
Contract
Secure digital channels (web/mobile)
Partner risk and info security assessments
End-user onboarding
Client acquisition/marketing
Data verification & risk assessment
Data collection
Account opening decision
Executing payments
Client authentication
AML/CTF monitoring
Payment authorization
Payment execution
Claims
Handling claim requests
Refund end-users if claim is justified
Claim investigations
Support
Handle all customer queries
Partner support
Handle network (bank) queries
Reporting
Full regulatory supporting
We understand this might seem complex, so we broke it down for you to understand clearly
how we share the responsibility of handling your client.
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---|---|---|
Contract | Secure digital channels (web/mobile) | Partner risk and info security assessments |
End-user onboarding | Client acquisition/marketing | Data verification & risk assessment |
Data collection | Account opening decision | |
Executing payments | Client authentication | AML/CTF monitoring |
Payment authorization | Payment execution | |
Claims | Handling claim requests | Refund end-users if claim is justified |
Claim investigations | ||
Support | Handle all customer queries | Partner support |
Handle network (bank) queries | ||
Reporting | Full regulatory supporting |
Making things
easy for you
Open-ended contract
Use BaaS without long-term commitment with an open-ended contract.
Suitable for your needs
Our flexible solution meets even unique business model’s needs.
We’ve got an active clientele that trust us with their funds

1.1B
Monthly Payment Turnover

500K
Processed transactions a month

150M
Client funds held by ConnectPay