Embedded finance for startups that move fast

We’ll run a short discovery to confirm fit, propose a recommended module setup, outline responsibilities, and share an implementation plan (including key milestones and testing approach).

To scale your startup together, contact our sales team here. 

Pricing depends on the modules you use (e.g., accounts, payments, cards, FX), your expected volumes, and the markets you’re launching in. We’ll help you choose the leanest setup for your MVP and scale pricing as you grow – no need to overbuild from day one.

You can see our pricing overview here.

Launch speed depends on your scope (modules, countries, onboarding flow complexity, and partner dependencies). Most startups begin with IBAN accounts + SEPA payments first, then expand to cards/FX once the core flow is stable. We’ll align on a realistic rollout plan and milestones during the onboarding process.

To scope correctly, we typically need:

• Your use case (what you’re building and for whom)

• Target countries and customer types (B2C/B2B)

• Expected volumes and growth plans

• Required modules (accounts, payments, cards, FX)

• Your desired onboarding journey and branding approach

A typical MVP includes:

• IBAN accounts (for users or businesses)

• SEPA Credit Transfers (and optionally SEPA Instant)

• Basic top-ups / inbound transfers

• Basic reporting and operational flows (fees, refunds if needed)

Many teams start with accounts + payments and add advanced modules (cards, FX, more automation) as they grow. This keeps implementation faster and lets you launch additional functions when you have clear use cases (spend, payouts, expense management, subscriptions, etc.).

No. You can launch using ConnectPay’s EEA EMI-licensed infrastructure. Your exact setup (and what responsibilities remain on your side) depends on your business model, customer types (B2C/B2B), and how you present the service in your product.

We support EEA coverage, and the exact availability depends on your use case, customer segment, and onboarding model. If you share your target markets, we’ll confirm coverage and any country-specific constraints.

Yes. You can offer account or wallet-like experiences where users hold balances, move funds internally, and send/receive payments, depending on the chosen architecture (accounts vs. wallets vs. segregated accounts).

Read more on digital wallets here.

We support onboarding for individuals and businesses, depending on your model. Typically, this includes identity/business verification, risk checks, and ongoing monitoring as required. You control the UX flow; we support the regulated checks and decisioning needed within the service setup.

You can find more information on how our embedded compliance works here.