Best Embedded Finance Platforms in Asia

The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.

Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.

Meld empowers developers to build a Multi Vendor Fintech stack. With a few lines of code, developers gain access to a wide range of financial integrations across multiple domains. Meld helps you lower your overall 3rd party vendor costs, increase coverage and conversion rates, and save you time by launching integrations across markets faster. We provide performance analytics for every provider you integrate with - putting you back in control of your fintech stack.

​Column is a nationally chartered bank engineered specifically for developers and builders to create innovative financial products. By constructing its own core banking system, ledger, and data model, Column eliminates the need for traditional middleware, granting developers direct access to the U.S. banking infrastructure. This approach enables seamless integration with the Federal Reserve, facilitating efficient money movement, account creation, and card program management. Key offerings include ACH origination, wire transfers via FedWire, real-time book transfers, and the ability to establish FDIC-insured bank accounts through a user-friendly API. Additionally, Column supports the development of customized card programs, providing dedicated Bank Identification Numbers (BINs) and compatibility with major networks and issuer processors. It also offers lending products such as loan origination, debt financing, and loan purchase programs to help companies scale their lending operations.

TrueLayer is the leading technology company providing secure, global access to financial infrastructure. Developers use our APIs to build best-in-class products that securely access data and initiate payments in real-time. Founded in 2016, TrueLayer is connected to major banks across the world, backed by leading venture capital, and trusted by some of the biggest names in fintech including Monzo, Revolut, and Zopa. By making the power of open banking accessible through our platform, TrueLayer enables developers across any industry — from startups to enterprises — to reinvent financial services. TrueLayer is available in the UK, Europe and Australia. Easily integrate next-generation payments and financial data into any app. Build powerful products your customers love. Send and receive money on the fastest rails at the lowest rates with a first-class user experience. No cards. No fraud. No chargebacks.

AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more. AlphaPoint has enabled over 150 customers in 35 countries including the CME Group, XP Securities, and Chivo. AlphaPoint has powered over 1 trillion in trading volume and the technology has handled billions in assets on the platform. Over the past decade, we have received multiple prestigious awards recognizing our innovations, exponential growth and leading technology in the fintech and digital asset space, positioning us to continue empowering our clients.

Flywire Corporation (Nasdaq: FLYW) is a global payments enablement and software company. We combine our proprietary global payments network, next-gen payments platform and vertical-specific software to deliver the most important and complex payments for our clients and their customers. Flywire leverages its vertical-specific software and payments technology to deeply embed within the existing A/R workflows for its clients across the education, healthcare and travel vertical markets, as well as in key B2B industries. Flywire also integrates with leading ERP systems, such as NetSuite, so organizations can optimize the payment experience for their customers while eliminating operational challenges. Flywire supports more than 4,000+ clients with diverse payment methods in more than 140 currencies across 240 countries and territories around the world. Flywire is headquartered in Boston, MA, USA with global offices.

NovoPayment’s API-based platform delivers digital banking, payment, and card solutions in record time. Whether you're starting from scratch, enhancing, or expanding in multiple markets, we provide the onboarding, digital core, and direct local integrations to meet your needs and stay agile. Our streamlined Visa or Mastercard prepaid, debit, and credit solutions provide all you need to deploy your consumer, SMB, or corporate programs. Launch physical or digital card programs through our native and embedded APIs and issuing infrastructure. Let users manage their digital multi-currency accounts in real-time by accessing multiple wholesale FX rates and service providers in our application network. Enable instant virtual and physical card issuing for open and closed-loop programs to fit your use case. Payments are the fuel of strong businesses. From real-time to secure remote commerce, we provide a complete set of payment tools for the digital economy.

One easy-to-use API to verify account details, move money, make payments, view transactions, and more. The easiest way for users to connect their bank accounts to your app. Teller provides your app with beautiful account enrollment screens that send all sensitive data directly to our secure servers, bypassing yours and leaving you one less thing to worry about. Teller connects to every bank using real APIs. Other providers mostly screenscrape, an extremely brittle and slow technique that means they have poor uptime, are slow, and return stale data. Teller provides live, up-to-the-minute bank data in a reliable and predictable manner. One easy-to-use API to verify account details, move money, make payments, view transactions, and more. See for yourself, run the request on the right by copying the command and pasting it into your terminal. Bank account connections you can rely on, are designed for your peace of mind.

Stripe Connect is the fastest and easiest way to integrate payments into your platform or marketplace. Our APIs enable you to build and scale end-to-end payments experiences, from instant onboarding to global payouts and create new revenue streams, all while having Stripe handle payments KYC. Get to market faster without the upfront costs or development time usually required for payment facilitation, with Stripe-hosted onboarding. Make payments a powerful source of revenue with our revenue share program, or mark up payments to earn on every transaction. Reach more customers worldwide with a global payments platform, and support 135+ currencies and local payment methods through a single integration. Monetize Stripe’s complete suite of financial services products by offering financing, expense cards, or money management accounts to your users. Whether you use Connect’s pre-built, optimized UIs or build your own custom flows, it’s easy to get your users up and running quickly.

Flexible, tailored, valuable commercial banking. Power the success of your commercial clients with tailored financial experiences for businesses of every size. Your commercial account holders have unique and often complex needs. Provide digital banking experiences that fit their size, vertical, and expectations. Understand their challenges, meet their requirements, and become an indispensable resource to your most important clients. With the right partner, you can do this. Legacy tech treats all businesses the same and provides clunky, counter-productive interfaces. It’s time for something better. Cash management for your largest commercial clients can be very complex. Legacy tech creates additional complications, with rigid workflows and cumbersome features that don’t consider user experience. Our commercial banking platform changes all that, providing a robust and sophisticated, yet simple, solution for every user and task, no matter how unique or complex.

Highline is a new payments platform that automates bill payments directly from payroll. Lenders can decrease missed payments by up to 2/3rds, reduce credit losses, expand customers’ credit options, and better support financial wellness. Highline supports all forms of recurring bill payment, from personal loans and credit cards, to rent and utilities. Simply drop the Highline API into your customer experience and give qualifying customers instant access to a better way to pay. Highline mitigates risk behind the scenes. When a customer’s employer sends their paycheck, Highline divides it as needed. The loan payment flows through the customer’s virtual Highline account directly to the lender, and the rest flows normally into their checking account.

Finix's Payments Infrastructure-as-a-Service decreases the time, cost, and headache SaaS businesses, ISVs, and marketplaces experience when bringing payments in-house. The Finix Professional Services (FPS) team wrote the book on the payment facilitation model. Simply stated, a payment facilitator is a technology company that provides a payments solution to the sub-merchants it sponsors or underwrites. We’re committed to exceeding the highest global data security standards. Our team works with regulators around the world to ensure our platform adapts to ever-changing regulatory requirements so you don’t have to. Payments ownership gives companies the ability to earn more revenue, enhance product experiences, and delight customers. Finix Flex helps fast-growing software companies monetize their payments today while putting them on the path to full payment facilitation. When you’re ready to make the transition, remain on the same Finix platform to avoid switching costs.

Business payments are clunky, costing you time, resources and customers. We provide an API payments infrastructure so you can efficiently automate and embed payments. Unlocking operational efficiency and revenue drivers. Automate your B2B payment flows, including receivables, payables, collections and disbursement. Maximize the efficiency of your teams and reduce operational costs. Put payments at the heart of your platform, workflows and customer experiences. Embed access to UK, EU, international and card payment schemes within your software. We're the 'out of the box' payments plumbing you need to build the next best bank or payment service. Grow faster and go further supported by our platform. Securely disburse loans and collect repayments into segregated accounts on an automated, real-time and 24/7 basis. Pay workers on time, every time with a real-time view of cash flow, instant emergency payments and robust approval controls.

Making embedding finance into apps and customer journeys as simple as drag and drop. One platform to access a complete set of global financial capabilities. A super simple API for developers to embed global financial services directly into your app or customer journey. A global operations and license platform that processes billions of dollars annually to run your embedded financial services for you. Or if you have your own licenses and financial operations capabilities, these can be plugged in and you can use ours to scale to new geographies. Simple APIs to build and integrate any financial use-case into your own customer experience. You concentrate on product design, marketing, and engaging customers, we do all the rest. Instantly create single-use virtual debit cards to manage SaaS and other subscriptions like Netflix. Integrate wage advancing seamlessly into the payroll processes.

Traditional payment processors capture the lion’s share of profits from the funds flowing through your platform with a legacy architecture that suppresses the value of your company. That’s not right. We deliver payment and embedded fintech solutions that accelerate the potential of vertical SaaS platforms. Enable sub-account architecture and control your processing costs from the beginning. Archive 100+ basis points of keeping with a team & tech that obsess over your opportunity. Give customers the financial tools they need to grow and achieve 200+ basis points of the keep. Execute the go-to-market strategy to activate your customers and optimize embedded fintech usage. Of course, you need the right sub-account architecture and below-market-rate pricing to be in the payments game. But it takes much, much more to win. The JustiFi payments & embedded fintech platform, combined with our team of strategic payment experts, will help you win the payments game.

Embedded finance offerings for the B2B ecosystem orchestrated on a single platform enable enterprises, distributors, and retailers, and financial institutions to rapidly grow their business. actyv.ai brings together cutting-edge technology and embedded financial offerings, catering to each of the B2B supply chain ecosystem stakeholders. Onboard business partners rapidly in a completely digitized process using actyv Go. Ensure data-backed decision-making and remove subjectivity while onboarding business partners leveraging actyv Score. Get access to embedded buy-now-pay-later payment options for your working capital needs through actyv PayLater and secure your BNPL credit through bite-sized actyv Insure. actyv.ai’s platform provides quantifiable benefits to all stakeholders in the B2B ecosystem. A seamless onboarding and scoring experience with access to embedded finance offerings on a single platform.

Striga is an infrastructure for digital assets and financial services as a single set of APIs doing the heavy lifting of security and regulatory compliance. Striga's customers include early-stage FinTech, Web3 innovators, Banking Institutions, and Crypto Exchanges utilizing services spanning the range of Crypto Custody, Trading, Card Issuing, Crypto/Fiat onramp/offramp, and vIBANs issuing. With Striga's APIs, companies can : - Offer crypto accounts to retail or corporates - Issue virtual IBANs to retail or corporates - Issue physical and virtual cards

NoFrixion is designed for modern finance teams, who require modern tools to automate money operations. The company is authorised as an electronic money institution (EMI) by the Central Bank of Ireland. The award winning platform includes a regulated ledger, API and user tools designed to help companies with money operations at their core.

Payitoff is a financial technology company that provides embeddable, intelligent debt guidance solutions for banks, lenders, and financial wellness providers. Their platform offers low-code and no-code tools that enable institutions to deliver personalized debt repayment strategies to their customers, enhancing financial outcomes and increasing engagement. By integrating with Payitoff's solutions, organizations can access real-time debt account information and provide actionable guidance, helping customers save an average of $323 per month on federal student loan repayments. The platform supports various debt types, including student loans, credit cards, mortgages, auto loans, and personal loans, aiming to transform debt management into a driver of business success. Empower your customers with intelligent debt guidance to help them achieve the best outcomes, every time. With just a few clicks, customers perform actions in-app, designed to save thousands on their repayment term.

Daxia is an embedded finance platform that helps businesses from various industries transition into the fintech space, enabling them to unlock new revenue streams. Through a comprehensive, end-to-end solution, Daxia allows companies to develop and launch custom fintech services quickly, enhancing customer experience, data management, and security. The platform offers various solutions, including strategic advisory to guide companies in becoming fintech players, open APIs to incorporate fintech into existing business models, and tools for managing digital assets and ensuring data security. Daxia also provides tokenization to protect sensitive data, ensuring compliance and minimizing risks associated with unauthorized access. The platform is designed to help businesses from industries like consumer, retail, ecommerce, banking, energy, and telecom integrate fintech capabilities into their operations.