What is embedded finance?

Embedded finance refers to the integration of financial services directly into non-financial platforms or applications. It enables seamless and convenient access to financial products and services within various industries.

Finanza incorporata

Embedded finance solutions to scale Your digital ecosystem

Maximize your market reach with modular embedded finance solutions tailored to your business model. Scale rapidly using our robust EMI license and infrastructure.

Contatto vendite

Embedded finance solutions to scale Your digital ecosystem

A frictionless financial experience for you and your users

With embedded finance powered by ConnectPay, you can seamlessly integrate sophisticated banking features into both financial and non-financial products. We shoulder the regulatory burden—compliance is natively embedded into our offering. This allows you to focus on your core product while we manage the complexities of KYC, AML, and multi-jurisdictional adherence.

Avoid the high costs and multi-year hurdles of acquiring your own EMI license. Partnering with a dedicated embedded finance platform provides a faster, more cost-effective route to market.

Connect to our developer-first API to integrate:

Multi-currency IBAN accounts
SEPA & SWIFT payment rails
White-label VISA debit cards
Automated currency exchange

Soluzioni

Say goodbye to piecemeal financial services. Our platform offers a holistic approach with an array of solutions tailored to your needs.

Hassle-free fund management with Accounts & Wallets
80+ currencies enabling global payments
White-label debit cards raising your brand awareness
Payment initiation and card acquiring for seamless online transactions

Compliance

Discover unmatched services allowing you to focus solely on growing your business with peace of mind. We take compliance off your shoulders by handling all KYC, AML, and other procedures, related to our solutions, ensuring complete protection and regulatory adherence for you and your clients.

Integration

Experience true simplicity and smoothness as you integrate all the financial solutions you require through a single set of APIs.

Embedded finance benefits for Your business

Increased LTV: Deepen user engagement and ecosystem retention.
Operational Efficiency: Eliminate the need for disparate 3rd party providers.
Monetization: Unlock new revenue streams via financial service fees.
Data Intelligence: Gain 360-degree insights into user spending behavior.

Benefit for your customers

Convenience: Access banking tools directly within your interface.
Frictionless UX: Faster checkouts and immediate fund availability.
Security: Tier-1 security protocols protecting every transaction.
Global Access: Pay and receive funds in 80+ currencies effortlessly.

Modular and invisible banking as a service

Focus on scaling your business and allow your clients to enjoy smooth financial solutions with banking as a service. Choose the modules you need and integrate into your interface smoothly via APIs.

Accounts for your business needs

I flussi più pratici iniziano con Conti IBAN – possono essere utilizzati dal tuo affari e personale clienti o per la tua attività. Approfitta di transazioni veloci e senza intoppi utilizzandolo come portafoglio digitale or exchange, send and receive payments in multiple currencies.

Pagamenti SEPA e SWIFT senza intoppi

Espandi la tua attività online in tutto il mondo grazie a un'ampia pagamento possibilità. Dal velocissimo SEPA Instant e euro-zone payments to global SWIFT and operazioni transfrontaliere in oltre 80 valute: siamo in grado di soddisfare tutte le vostre esigenze aziendali.

Una carta in white label per infinite opportunità

Ottieni carte di debito white label con un design personalizzato per rafforzare la notorietà del marchio e aumentare la fedeltà dei tuoi clienti. Oppure sfruttalo al meglio integrandolo con il tuo programma fedeltà, app, or portafogli digitali.

Embedded merchant services

Don’t limit yourself, choose from open banking, card acquiring, multiple types of pagamenti ricorrenti, e flessibile rimborsi. Find the merchant services that are best for you and your clients .

Embedded finance solutions that make things easy

In the ever-evolving business world, our strength lies in being flexible and embracing change. We understand that things can shift suddenly, so we’re here to find solutions that match whatever comes your way.

Open-ended contract

Full service offering, no strings attached.

Tailored to your needs

Our flexible solution can be adapted to your business model.

Taking the SCA off B2C shoulders

If all you need is to onboard private clients and offer them payments, statements and top-ups – we have a simplified embedded finance option for you.

Discover simplified embedded finance

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

connectpay features matrix white background

Scopri il potenziale della finanza invisibile

Choose embedded finance with built-in compliance modules based on your business needs.

Emettere IBAN con prefisso LT

Abilita l'uso aziendale, personale e conti separati per garantire transazioni senza intoppi.

Eseguire i pagamenti

Avviare e portare a termine le transazioni finanziarie in modo sicuro ed efficiente.

Execute currency exchange

Effettua operazioni di cambio in oltre 80 valute.

Emissione e gestione delle carte VISA

Carte di debito VISA aziendali, personali, white label e virtuali.

Gestire le richieste interbancarie

Gestire e risolvere le richieste di informazioni tra diverse banche o istituti finanziari.

Top-up accounts

Ricarica facilmente i conti degli utenti per transazioni senza intoppi.

Riscossione delle tariffe

Riscuotere ed elaborare le varie commissioni relative alle transazioni o ai servizi.

Rimborso agli utenti finali

Gestire ed effettuare i rimborsi a singoli utenti o clienti.

Trasferimenti tra registri

Facilitare i trasferimenti tra diversi registri o all’interno del proprio ecosistema.

KYC / Procedura di registrazione

Effettuare controlli KYC e semplificare i processi di registrazione dei clienti.

Monitoraggio AML / CTF

Monitoraggio e individuazione delle attività relative al riciclaggio di denaro (AML) e al finanziamento del terrorismo (CTF).

Segnalazione alle autorità

Presentazione delle relazioni normative e dei dati relativi alla conformità alle autorità competenti.

Your compliance taken care of

We take care of all KYC and Compliance procedures, as well as onboarding and ongoing due diligence, making sure that our financial solutions are properly compliant with all regulatory requirements. Not only that, we also handle AML procedures for all transactions and reporting to authorities, meaning you can focus on your business.

Maggiori informazioni sulla conformità integrata

Why choose ConnectPay

Increase operational efficiency

By embedding financial services into your business, we equip you with flexible business operation tools that boost conversions, streamline your financial workflows and boost customer satisfaction. Our secure, efficient solutions help your business grow and thrive in the competitive online market.

Reducing operational costs

Enjoy the benefits of a more cost-effective financial operation that directly contributes to your bottom line. Reduce administrative overhead, free up resources and focus on core business activities.

We’re here for you

Our team is hands-on to ensure all your transfers and payments run smoothly and stay compliant. And we’re here 24/7 to offer support and guidance on all banking-related matters.

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, no matter how complex it is. For all matters related to IBAN accounts and payments, we’ve got you covered.

Abbiamo una clientela attiva che ci affida i propri fondi

7,5 miliardi di euro

Fatturato annuo

1,8 M

Transazioni elaborate nel 2024

92 milioni di euro

Fondi dei clienti detenuti da ConnectPay

Banking as a Service - a go-to financial solution for online business growth

Embedded finance services for Platforms

From IBAN accounts and digital wallets that suit your business needs to global payments in 80+ currencies and customer-friendly payments acceptance via bank transfers and servizi di acquisizione delle carte di credito.

Explore solutions for Platforms

Banking as a Service for Marketplace

Grow your Marketplace with smooth and convenient embedded financial services. Seamless payment flows between your merchants and clients, multiple currencies, built-in compliance, and more – choose financial solutions modules based on your business needs.

Explore solutions for Marketplace

Tailored for multiple industries

Financial solutions crowdfunding

Financial solutions for alternative finance

Financial solutions for fintechs

Financial solutions for neobanks

Financial solutions for lending platforms

Financial solutions for wealth management platforms

Cards-as-a-service

Programmi di fidelizzazione

Embedded Finance Solutions FAQs

Che cos'è la finanza incorporata?

It is the integration of financial services – such as payment processing, lending, or insurance—directly into a non-financial platform’s user journey. This allows companies to offer banking features without becoming a bank themselves.

In che modo la finanza integrata si differenzia dalla finanza tradizionale?

Unlike traditional finance, embedded finance integrates financial services into existing business processes or platforms, offering customers a much more user-friendly and contextually relevant experience.

Quali sono i principali vantaggi della finanza integrata?

Embedded finance offers increased customer engagement, improved user experience, and enhanced convenience. It also enables businesses to monetize additional services, expand their offerings, and optimize financial operations.

In che modo la finanza integrata garantisce la privacy e la sicurezza dei dati?

Embedding financial services requires robust security measures. Here at ConnectPay, we typically implement encryption, secure APIs, and adhere to strict data protection regulations to safeguard user information and financial transactions, ensuring a safe and trustworthy experience for users.

Is embedded finance only for large enterprises?

No, embedded finance is scalable and adaptable for businesses of all sizes. Small and medium-sized enterprises can leverage modular financial services to enhance their offerings and improve customer experiences.

What is the difference between embedded finance and banking as a service?

It is the same thing; banking as a service, also known as BaaS, was the first to appear in the market. It later evolved into the term embedded finance, which is now also called modular financial solutions.

How does embedded finance work for marketplaces?

Embedded finance allows marketplaces to integrate financial services such as payments, wallets, and payouts directly into their platforms. This simplifies transactions between buyers and sellers while giving the platform more control over payment flows and user experience. Learn more about embedded finance for marketplaces.