Servizi bancari come servizio

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.

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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 Conti IBAN for yourself, your affari e private clients. If you need more than that, explore our conti separati, portafogli digitali solutions or multicurrency payments enabling online business to scale.

SEPA Instant & other payments

Espandi la tua attività online in tutto il mondo grazie a un'ampia pagamento possibilità. Dal velocissimo SEPA Instant e pagamenti nell'area dell'euro alla rete globale SWIFT e operazioni transfrontaliere in more than 80 currencies – we have your business needs covered.

Benefit from the white-label debit card

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, oppure portafogli digitali.

Accept payments however you want

Accept payments online the way you and your clients want – choose from open banking, acquisizione delle carte, diversi tipi di pagamenti ricorrenti, e flessibile rimborsi. Trova il servizi per esercenti che sono più adatte a te e ai tuoi clienti. .

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.

Emettere IBAN con prefisso LT

Enable business, personal and segregated accounts for smooth transactions.

Eseguire i pagamenti

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

Eseguire il cambio di valuta

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.

Ricarica conti

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.

Ci occupiamo noi della vostra conformità

Ci occupiamo di tutte le procedure KYC e di conformità, nonché dell’onboarding e della due diligence continua, assicurandoci che le nostre soluzioni finanziarie siano pienamente conformi a tutti i requisiti normativi. Non solo: gestiamo anche le procedure antiriciclaggio per tutte le transazioni e la rendicontazione alle autorità, consentendovi così di concentrarvi sulla vostra attività.

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 soluzioni finanziarie integrate.

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

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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

Ready to grow your business with BaaS?

Contattateci

Certificazione 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

Standard normativi dell'UE
We’re authorized and regulated by the Central Bank of Lithuania, which is subject to the regulation of the European Central Bank