Banca como servicio

A modular banking as a service platform for scaling businesses

Maximize your reach with a tailored banking as a service platform that allows you to embed financial solutions directly into your product while working under our EMI license.

Hablemos

A modular banking as a service platform for scaling businesses

What is banking as a service and how does it scale your business?

Banking as a service (BaaS) refers to the integration of digital financial services directly into non-financial platforms or applications. By using a BaaS platform, large retailers, software vendors, and telecom operators can transform their apps into financial hubs, integrating payments, lending, and sophisticated financial tools.

Reduce time to market: Launch financial products in weeks instead of months by leveraging our existing infrastructure through APIs.
Increase customer value: Integrating BaaS services creates more touchpoints, resulting in higher customer lifetime value, lower churn, and greater brand stickiness.
Generate new revenue: Monetize your platform through payment processing fees, interchange fees, and lending solutions.

Tailored for your online business

Unlock tailored financial solutions for your B2B or B2C online ventures, from marketplaces to platforms, powered by ConnectPay’s Banking-as-a-Service solution. Seamlessly integrate financial solutions while we handle payment flows and compliance complexities, allowing you to focus on delivering exceptional value to your customers. Partner with us to simplify operations and accelerate your business growth hassle-free.

A seamless banking as a service platform

Is user experience crucial for your business success? Imagine integrating seamless, embedded financial solutions across all channels, fostering trust and loyalty to your brand with effortless transactions and financial flows. Elevate your customer experience and build lasting connections by embracing embedded financial solutions with omnichannel integration for a smooth, trusted journey.

Pick the BaaS modules your scaling business needs

IBAN accounts for B2B and B2C

Ensure seamless payment flows – get Cuentas con IBAN for yourself, your negocios y private clients. If you need more than that, explore our cuentas separadas, monederos digitales solutions or multicurrency payments enabling online business to scale.

SEPA Instant & other payments

Expande tu negocio online a nivel mundial con una amplia pago posibilidades. Desde el rapidísimo SEPA Instant y pagos en la zona del euro a la red global SWIFT y transacciones transfronterizas in more than 80 currencies – we have your business needs covered.

Benefit from the white-label debit card

Consigue tarjetas de débito de marca blanca con tu propio diseño para potenciar el reconocimiento de marca y aumentar la fidelidad de tus clientes. O sácale el máximo partido integrándolo con tu programa de fidelización, app, o monederos digitales.

Accept payments however you want

Accept payments online the way you and your clients want – choose from banca abierta, adquisición de tarjetas, varios tipos de pagos periódicos, y flexible reembolsos. Busca el servicios para comercios que mejor se adapten a ti y a tus clientes. .

Modular and invisible - Banking as a Service

Choose BaaS with built-in compliance modules based on your business needs and integrate them into your interface smoothly via APIs.

Emitir números IBAN con el prefijo «LT»

Enable business, personal and segregated accounts for smooth transactions.

Realizar pagos

Iniciar y completar transacciones financieras de forma segura y eficiente.

Realizar un cambio de divisas

Realiza operaciones de cambio de divisas en más de 80 monedas.

Emitir y gestionar tarjetas VISA

Tarjetas de débito VISA para empresas, particulares, de marca blanca y virtuales.

Gestionar consultas interbancarias

Gestionar y resolver consultas entre diferentes bancos o entidades financieras.

Recargas de cuentas

Recarga fácilmente las cuentas de los usuarios para realizar transacciones sin complicaciones.

Cobro de tasas

Cobrar y tramitar las distintas tasas relacionadas con las transacciones o los servicios.

Reembolsos a los usuarios finales

Tramitar y realizar reembolsos a usuarios o clientes particulares.

Transferencias entre libros mayores

Facilita las transferencias entre diferentes libros de contabilidad o dentro de tu propio ecosistema.

KYC / Incorporación de clientes

Realizar comprobaciones de «conozca a su cliente» (KYC) y agilizar los procesos de incorporación de clientes.

Supervisión en materia de lucha contra el blanqueo de capitales y la financiación del terrorismo (AML/CTF)

Seguimiento y detección de actividades relacionadas con el blanqueo de capitales y la financiación del terrorismo.

Notificación a las autoridades

Presentar los informes reglamentarios y los datos de cumplimiento a las autoridades competentes.

Nos encargamos de que cumplas con la normativa

Nos encargamos de todos los trámites de KYC y cumplimiento normativo, así como de la incorporación de clientes y la diligencia debida continua, asegurándonos de que nuestras soluciones financieras cumplan debidamente con todos los requisitos normativos. Y no solo eso, también gestionamos los procedimientos contra el blanqueo de capitales para todas las transacciones y la presentación de informes a las autoridades, lo que te permite centrarte en tu negocio.

A single set of APIs for all your needs

Easily integrate banking and payment solutions into your system with our developer-friendly banking API setup. Simple integration with a single set of APIs.

Banking as a service FAQs

What is banking as a service (BaaS)?

Banking as a service is a model that enables non-bank platforms to offer embedded financial products—such as accounts and cards—without requiring their own banking license. Companies “rent” the infrastructure and license of a traditional bank or EMI instead.

What is the difference between BaaS and embedded finance?

They are essentially parts of the same ecosystem. BaaS was the term that first appeared in the market to describe the backend delivery of services, which has since evolved into the consumer-facing concept of soluciones financieras integradas.

How does a banking as a service platform ensure security?

BaaS providers like ConnectPay implement robust encryption, secure APIs, and follow strict ISO/IEC 27001 data protection standards. Transactions are protected through device-specific tokenization and biometric authentication.

Can e-commerce platforms benefit from BaaS services?

Yes. E-commerce platforms can use BaaS to offer business bank accounts to their merchants or provide “Buy Now, Pay Later” (BNPL) lending solutions directly at checkout to improve conversion rates.

How long does it take to implement banking as a service software?

While traditional banking infrastructure can take years to build, a modern banking as a service platform allows businesses to push new financial services live in just weeks by using modular API blocks.

Does ConnectPay handle KYC for my customers?

Yes. One of the main benefits of our BaaS model is that we handle the compliance, risk, and KYC requirements, allowing you to outsource the bulk of the regulatory workload.

Doing it all vs. doing it right
partner up for success

Matriz de características de ConnectPay con fondo blanco

Contamos con una clientela activa que nos confía sus fondos

7,5 mil millones de euros

Volumen de pagos anual

1,8 millones

Transacciones procesadas en 2024

92 millones de euros

Fondos de los clientes depositados en ConnectPay

Ready to grow your business with BaaS?

Contáctanos

Con certificación ISO
We’re ISO certified to keep your data safe. ISO/IEC 27001 & ISO 22301:2019 are some of the world’s most robust data security certification schemes

Normas reglamentarias de la UE
We’re authorized and regulated by the Central Bank of Lithuania, which is subject to the regulation of the European Central Bank