List of the Top 25 Embedded Finance Apps for iPhone in 2025

Plaid operates as a global data network that supports various tools that help countless individuals achieve better financial well-being. Our goal is to create a financial ecosystem that is inclusive, competitive, and advantageous for all by streamlining payment processes and transforming the lending landscape. Collaborating with over 8,000 businesses, including popular fintech platforms like Venmo and SoFi, as well as numerous Fortune 500 firms, Plaid empowers users to have greater autonomy and flexibility in managing their finances. Based in San Francisco, the company's network encompasses more than 12,000 institutions across the United States, Canada, the United Kingdom, and Europe, ensuring a wide reach and impact in the financial sector. Additionally, Plaid is dedicated to fostering innovation that enhances user experiences in financial transactions.

The latest benchmark in digital payments is set by Stripe, which stands out as the premier platform for conducting online business. Across the globe, progressive enterprises rely on us to manage billions in transactions each year. Stripe develops highly adaptable and robust tools tailored for online commerce. Whether launching a subscription model, an on-demand marketplace, an e-commerce website, or a crowdfunding initiative, our well-crafted APIs and exceptional features empower you to deliver an outstanding experience for your customers. By enabling countless tech-driven companies to grow at unprecedented speeds and efficiency, Stripe is at the forefront of innovation. We view payment systems as a coding challenge rather than a financial issue, focusing on creating elegant, modular solutions that facilitate strong, scalable, and flexible integrations. Our user-friendly approach simplifies complex processes by eliminating unnecessary obstacles and distractions, ensuring that businesses can focus on their core mission without getting bogged down in technical difficulties. In a constantly evolving digital landscape, Stripe continues to adapt and enhance its offerings to meet the diverse needs of its users.

Wallester Business provides complimentary VISA cards specifically designed for managing business expenses. This service targets companies based in the US and Europe. 💚 We feature the most extensive free package available, providing 300 virtual cards without any associated fees. 💚 Our offerings include unique functionalities tailored for industries like media buying, dropshipping, reselling, and managing significant travel costs or payments to freelancers. 💚 Enjoy swift onboarding, user-friendly experience, and seamless integration with other software applications. 💚 Additionally, our platform ensures that businesses can efficiently streamline their financial operations while maintaining control over their expenses.

Exact Payments creates and offers user-friendly, scalable payment technology tailored for SaaS businesses, allowing them to effortlessly incorporate payment systems into their platforms and establish a lucrative revenue stream. Through Exact's PayFac-as-a-Service offering, SaaS companies can design seamless purchasing experiences that not only elevate customer satisfaction but also boost retention rates and potentially increase a customer's lifetime value by up to five times. Currently, Exact manages over one billion transactions each year for esteemed clients such as Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax, demonstrating its significant market impact. This robust solution not only simplifies the payment process but also empowers companies to focus on their core services while enhancing their financial performance.

Finicity's open banking platform simplifies the integration of your customers' financial data into your application or service. This innovative platform is utilized globally by leading organizations aiming to enhance financial experiences for their clientele. The quality of your experience hinges on the integrity of the data, which has proven reliable in the most challenging markets. With straightforward coding to endpoints, you can test data efficiently and connect seamlessly to Finicity’s open banking infrastructure, ensuring robust API coverage for banks, credit unions, and payroll providers. Our comprehensive suite of APIs makes it convenient to access the essential data required to drive your products forward, offering a streamlined solution for financial integration.

Stax delivers seamless integrated payment and recurring billing solutions that stand out in the industry for their simplicity and effectiveness. Stax Connect functions as a distinctive payment ecosystem designed to foster portfolio expansion through innovative technology and monetization strategies. Its developer-friendly API streamlines the payment processing experience for independent software vendors (ISVs) via a single integration, granting them access to top-tier tools essential for effective payment acceptance. Additionally, Stax Pay ensures secure credit card processing for both online and in-person transactions, while also serving as a comprehensive business management platform aimed at facilitating company growth and operational efficiency. This combination of features makes Stax a valuable partner for businesses looking to enhance their payment capabilities.

Enhance your business operations by leveraging financial solutions to streamline transactions. Facilitate customer payments effortlessly while automating disbursements to both vendors and employees. Ensure that you always have adequate working capital to support growth and expansion. Razorpay’s Payment Suite provides a versatile selection of products that can be tailored to meet your specific business requirements. This platform stands out as an optimal choice for seamless integration, easy online onboarding, feature exploration, and exceptional performance. With Razorpay Payment pages, establishing a custom-branded online store for payment acceptance is incredibly straightforward. Enjoy the convenience of automated payment receipts, which allow you to receive both international and domestic payments seamlessly. The process of online shopping is simplified, requiring no coding expertise. Effective preparation is essential; utilize Hosted Event Registration to quickly enroll attendees and automatically generate receipts. If you're considering fundraising for a noble cause, Hosted Donations streamlines the process and ensures that 80G receipts are sent out automatically, saving you valuable time and effort. In this way, Razorpay supports not just transactions but also the overall growth and efficiency of your business.

HUBUC serves as a robust embedded financial services platform tailored for non-fintech businesses, particularly in the B2B sector, enabling them to enhance their product offerings, improve client retention, and boost revenue streams. We achieve this through three straightforward methods: - We offer our clients a developer-friendly and powerful technological framework accessible via a single API. - We link our clients with the fintech capabilities of major industry players like VISA and Mastercard, as well as issuing banks and innovative services in foreign exchange, security, and compliance through one unified agreement. - Additionally, we support the implementation process and ensure secure transactions in all 58 markets where we operate, fostering confidence and reliability in every transaction. This comprehensive approach empowers non-financial firms to innovate and thrive in a competitive landscape.

Flinks facilitates the secure, consent-driven sharing of financial data, allowing you to connect consumers seamlessly with their desired services. With Flinks Enrichment, you gain an intelligent analytics framework that enhances both retail and business banking data, making it effortless to derive actionable insights for various applications, including credit risk evaluation, income verification, life event detection, and fraud prevention, regardless of whether you source data from Flinks or utilize your existing integrations. Flinks Connectivity boasts the most extensive financial data network coverage available, enabling your customers to effortlessly and securely link their financial accounts so you can access the necessary data for your services, from KYC requirements to transaction histories and asset information, making it a crucial asset for your business to gain a competitive edge. Additionally, Flinks Outbound equips you with the necessary Open Banking infrastructure to swiftly launch and adapt in an ever-evolving market and regulatory landscape; succeeding in open banking transcends mere technology and APIs. Our extensive ecosystem of third-party applications, already embraced by millions of Canadians, can serve as a powerful launchpad for your initiatives, ensuring that your services are not only innovative but also widely accessible.

SDK.finance is a fintech platform driven by an API that provides the necessary infrastructure for developing various payment solutions. By utilizing its ledger capabilities, clients of SDK.finance can significantly reduce their development time by at least one year when creating products such as a neobank, a digital wallet application, a payment acceptance system, and more. The diverse range of products that can be developed on the SDK.finance platform includes: - Neobank - Digital wallet - Payment acceptance system - Money transfer application - Marketplace payment solution - Mobile wallet application - General ledger These offerings highlight the platform's versatility in catering to the needs of modern financial technology projects.

Streamline your trading processes, create custom services, or integrate your investments with existing platforms. Start your trading journey now in a free paper trading environment that offers access to over 8,000 international stocks and ETFs. You can easily transition to a live trading experience with a dedicated securities trading account through our licensed partner. Gain access to a specialized API designed for stock trading and market data, which enables you to build any brokerage scenario you can imagine. Leverage comprehensive documentation to lay a strong groundwork for your project. Seamlessly stream both historical and real-time market data into your brokerage model, making integration straightforward. With our intuitive REST-API, executing your trades is simple, efficient, and dependable. Design a distinctive brokerage experience using the lemon.markets API, characterized by a state-of-the-art REST-API that allows customization to suit your unique needs. You even have the capability to create an automated trading bot that monitors price fluctuations and adheres to your specific buying or selling criteria. This level of flexibility ultimately empowers you to interact with the market on your own terms while enhancing your trading strategies. Embrace the opportunity to innovate and take your trading to new heights with these powerful tools at your disposal.

Rapidly open bank accounts, offer cryptocurrency wallets, process payments, and issue cards for your clients with Solid's extensive and compliant FinTech solutions. This platform can be seamlessly integrated in just minutes, enabling the creation of exceptional user experiences. Through Solid’s Banking as a Service (BaaS), businesses are empowered to design and launch a variety of deposit products, including personal and business checking accounts. It includes a full suite of features from ledgers to statements, ensuring all the fundamental components for enjoyable banking experiences are covered. Solid's Card Issuance and Management system is revolutionary, facilitating the issuance of cards tailored to your customers' needs via a single API. Both physical and virtual cards—credit, debit, and prepaid—are completely managed by Solid. Enhance your customer interactions with a smooth, powerful experience built into your product through Solid's instant account creation API. Moreover, issuing customized physical and virtual cards is quick and straightforward, complete with essential spending controls using Solid's card API, guaranteeing that your clients possess all the resources they require at their disposal. This versatility allows businesses to adapt quickly to ever-changing market demands and provide their customers with innovative financial solutions.

A simple yet effective solution tailored for your business credit card needs is now available. You can quickly create secure virtual cards specifically designed for employees, projects, and vendors. The Extend App provides an exceptionally user-friendly and secure way to distribute virtual credit cards within your professional network. By utilizing our API, developers gain the tools needed to innovate future products with advanced virtual credit card features. For instance, a well-known online lender has partnered with a resort using Extend APIs to offer guests additional payment options, enabling them to access flexible term loans for various upgrades and improved experiences instantly. Use our APIs to craft a wide array of offerings in payment, lending, and more. One innovative insurtech has implemented Extend APIs to enhance its payment processes, effectively addressing cash flow issues for healthcare providers and benefiting from automated reconciliation and credit card rewards. As businesses strive to innovate and evolve, the possibilities for these APIs to transform industries are truly boundless, leading to new opportunities that can reshape the financial landscape.

AlphaPoint is an international fintech firm that delivers digital asset infrastructure designed to support the evolution of exchanges, brokerages, payment systems, and financial institutions. We offer a comprehensive range of products that ensure secure, reliable, scalable, and adaptable solutions for various financial services, including trading, payments, lending, and custody, among others. Our commitment to innovation drives us to continuously enhance our offerings to meet the dynamic needs of the industry.

Our platform enables the integration of financial services into your business seamlessly. Banking Offer provides FDIC-insured banking solutions for clients through a straightforward integration process. With features like ACH transactions and credit card processing, transferring funds becomes a hassle-free experience. Branded Cards allow for the quick creation of tailored or white-label cards, enhancing your brand's visibility. Global money transfer services facilitate sending and receiving funds internationally in various currencies. One embed offers FDIC-insured virtual accounts that enable customers to manage their finances, earn interest, pay bills, and perform transactions all in one location. Alviere's banking technology simplifies the embedding of For-Benefit-Of (FBO) accounts into your platform, allowing you to deliver personalized financial services to both clients and employees. By utilizing FBO accounts, you can monitor your finances in real time and select the most suitable services for your needs, ultimately enhancing your overall financial management. This comprehensive approach ensures that you can provide a variety of financial options to meet diverse customer demands efficiently.

We employ state-of-the-art security protocols, cutting-edge technology, and uphold rigorous banking industry standards to deliver exceptional security. Our operations are fully compliant with all relevant national and international regulations, ensuring their legitimacy. Our services surpass conventional cash methods and easily integrate with both digital and physical card systems. We offer a secure platform that allows your customers to manage their cash balances safely. With the capacity for instant digital cash transfers globally via digital wallets and prepaid cards, we enhance financial agility. Furthermore, we provide loans directly to small businesses and consumers through efficient automated credit processes. Our user-oriented platform is crafted to facilitate the rapid distribution of funds. The registration process is simple, enabling safe and quick international money transfers. When customers shop via your app, website, or physical store, you can swiftly create a virtual account for them to deposit rewards, rebates, and refunds, which can be used for future purchases, fostering repeat business. This smooth operation not only boosts customer loyalty but also significantly increases sales, creating a win-win situation for both businesses and consumers. Additionally, our commitment to innovation ensures that we continuously adapt to meet the evolving needs of our users.

NovoPayment’s API-driven platform delivers swift solutions for digital banking, payment processing, and card services. Whether launching a new business, enhancing your current services, or expanding into new markets, we provide the necessary onboarding, a digital backbone, and local integrations to ensure flexibility. Our offerings include Visa and Mastercard prepaid, debit, and credit solutions, tailored to meet the needs of consumers, small to medium enterprises, and larger corporations. With our intuitive embedded APIs, you can seamlessly introduce both physical and digital card programs supported by a strong issuing framework. Users benefit from real-time management of their digital multi-currency accounts, gaining access to a variety of wholesale foreign exchange rates and service providers within our extensive network. We enable the immediate issuance of both virtual and physical cards, designed to meet the unique demands of open and closed-loop programs. As payment solutions drive the success of thriving businesses, we present a well-rounded array of payment tools that are crucial for navigating the modern digital economy. By leveraging our cutting-edge offerings, you can maintain a competitive edge in the ever-changing financial landscape, ensuring your business adapts and thrives.

We offer wealth management as a streamlined service. Elevate or refresh your wealth management capabilities using an advanced platform that seamlessly integrates with your existing business functions, enabling modern delivery of wealth management services. Whether you’re looking to enhance current programs or launch new ones, OneVest empowers you to accelerate your entry into the market. By embedding wealth services into your platform, you can roll out solutions rapidly while avoiding extra overhead expenses. Provide a sophisticated customer experience and enhance your operational framework with a comprehensive platform offering. By incorporating OneVest’s services into your systems, you can ensure a cutting-edge wealth management experience for your clients. Our developer-friendly API allows for the easy creation of a customized wealth management solution. Use OneVest’s wealth platform as your own, sidestepping the need for extensive internal development. Strengthen your brand with user-friendly web and mobile applications that enable fast and efficient market penetration. Additionally, you can effectively integrate wealth management services with your current back-office systems, creating a smooth operational flow. This strategy not only expands your service offerings but also fosters deeper customer loyalty through improved engagement and satisfaction. Ultimately, embracing this approach positions you for sustained growth and success in the evolving financial landscape.

Stripe Financial Connections allows users to securely share their financial details with your platform, making it a valuable tool for enhancing your services. By implementing this feature just once, you gain access to crucial financial data that streamlines payment processes, reduces fraud, evaluates underwriting risk, and fosters the creation of innovative products. Users can quickly connect their financial accounts in mere seconds, significantly improving payment efficiency and enriching their overall experience with your offerings. You have the flexibility to embed our authentication flow directly into your mobile app or website, or to integrate it seamlessly with the payment user interfaces present in the dashboard. By effectively authenticating accounts, you can enhance user experiences and boost conversion rates. Furthermore, you can rapidly verify bank accounts and access data from a vast network of over 5,000 financial institutions. If needed, our hosted micro-deposit method serves as a reliable fallback option for any other financial institution in the US. With a single integration into Stripe, you can dramatically reduce development time while connecting to users' accounts and facilitating crucial tasks such as onboarding and payments. Accessing user-shared data only requires a few straightforward lines of code, which streamlines the development process and improves efficiency. This integration not only simplifies your workflows but also elevates the quality of services you can provide, ultimately leading to higher user satisfaction and loyalty. Embracing this feature can propel your platform to new heights of performance and reliability.

Genius Avenue energizes the insurance sector by providing cutting-edge platform solutions and tailored features that link products directly to consumers, enhancing profitability. Insurance Carriers Partner with a dedicated team of insurance experts to transcend traditional software solutions. Voluntary Benefits Utilize fully customizable features that enhance operational efficiency and boost sales performance. Brokers Access payroll benefits while simplifying both enrollment processes and administration tasks. Captives Carriers Replace obsolete systems and improve the enrollment experience for all stakeholders. We support our partners in broadening their market reach, streamlining enrollment processes, refining administrative functions, and realizing the complete capabilities of customer-focused, digital platforms. Additionally, our commitment to innovation ensures that our solutions remain adaptable to the evolving needs of the insurance landscape.

Highline represents a cutting-edge payment solution that facilitates bill payments directly from payroll, making the process more efficient. By leveraging this platform, lenders can cut down on missed payments by nearly two-thirds, which not only minimizes credit losses but also expands the variety of credit choices for customers and improves their overall financial well-being. Highline supports numerous recurring bill payments, such as personal loans, credit card bills, rent, and utilities. When integrated into your customer interface via the Highline API, eligible users can quickly adopt this enhanced payment method. The system diligently manages risk in the background; once a customer’s employer processes a paycheck, Highline automatically designates the necessary funds for payments. Payments are made from the customer's virtual Highline account directly to the lender, while any remaining balance is deposited into their checking account as normal. Furthermore, this innovative solution fosters responsible financial habits by ensuring that payments are made on time, ultimately contributing to a more secure financial future for users. This approach not only aids individuals in managing their finances but also builds a more reliable lending ecosystem overall.

Payrix is dedicated to becoming the global frontrunner in embedded payment solutions tailored for specialized business software. Our aim is to empower our clients with enhanced flexibility, confidence, and a reliable system that reduces obstacles, creates fresh revenue streams, and simplifies experiences for their customers. Notable clients like Real Green Systems and Storable have leveraged our distinct platform, paired with a personalized service approach, enabling them to utilize embedded payments for their expansion and creative advancement. With Payrix, the opportunities are limitless and continually evolving to meet the needs of our partners.

Investing substantial time and effort into your business is crucial, and the Netspend® Small Business Prepaid Mastercard® offers essential features to help you manage your finances effectively. When personal and professional expenses are mixed, keeping a handle on your finances can be quite difficult. The Netspend Small Business Account allows you to organize your finances by keeping all business-related expenses in one place, which simplifies tax filing and alleviates stress. By having a clear and organized record of your business transactions, you can easily export your account data, freeing up more time to focus on growing your enterprise instead of drowning in paperwork. Each transaction is significant for small businesses, and providing diverse payment methods—such as checks, credit and debit cards, or cash—improves customer satisfaction while contributing to your Card Account balance. Furthermore, if your employees are required to make purchases for the company, you can set up subaccounts with limited spending limits linked to your main Card Account. In the end, maintaining precise financial records is vital for the smooth running of any business, ensuring you remain aware of your financial standing at all times. By applying these methods, you can significantly improve both the organization and efficiency of your day-to-day operations, ultimately leading to a more productive business environment.

Green Dot operates as a bank holding company focused on leveraging financial technology to provide modern banking and money transfer services for a broad audience. Through our cutting-edge technology, we enable faster and more efficient electronic transactions and financial management, allowing users to easily spend, send, manage, and save their money with convenience. Our Banking as a Service (BaaS) platform empowers numerous leading consumer and technology firms both in the U.S. and internationally to develop and deploy customized banking and payment solutions tailored to their needs. Founded in 1999 and headquartered in Pasadena, CA, Green Dot has directly assisted over 33 million customers, alongside many more through our banking partners, while primarily operating as a "branchless bank." This transformation not only highlights our dedication to improving financial accessibility but also underscores our role in driving innovation within the banking industry. Our ongoing efforts aim to redefine the banking experience for individuals and businesses alike.

Striga operates as a comprehensive platform for digital assets and financial services, delivering an extensive range of APIs designed to handle the complex aspects of security and adherence to regulatory frameworks. Its diverse clientele includes emerging FinTech companies, innovators in the Web3 space, established banking institutions, and cryptocurrency exchanges, all of which utilize its wide array of services, including crypto custody, trading, card issuance, as well as facilitating crypto/fiat onramping and offramping, in addition to providing virtual IBANs. Through Striga's powerful APIs, organizations can seamlessly: - Offer cryptocurrency accounts customized for both personal and business clients - Create virtual IBANs tailored to meet the needs of retail and corporate users - Develop both physical and virtual cards, significantly improving the overall experience for their customers by enhancing convenience and accessibility. This versatility enables businesses to remain agile in an ever-evolving financial landscape.