Embedded Finance

Offer financial services
inside your product.

Add payments, multi-currency accounts, cards, and payouts to your own software — fully branded as your product, fully compliant, and operated by MondialPay. Build a vertical SaaS. Become the financial home for your customers.

50+
BaaS partners
160+
Payout countries
1
License you don't need
160+
Countries for payouts
50+
Live BaaS partners
~30%
Revenue uplift for SaaS
0
Banking licenses needed
A full BaaS stack on one API

The embedded finance stack

Add bank-grade financial services to your product without becoming a bank. We hold the license, the relationships and the infrastructure — you ship the experience.

Embedded accounts

Give your users their own multi-currency MondialPay account — branded as your product, with full ledger control.

Issuing for your users

Issue debit cards to your customers with your logo and spend controls you set per user.

Payouts to users

Pay out to your users' bank accounts in any supported country — daily, weekly, or on demand.

Onboarding API

KYC, KYB, and identity verification built in — fully embeddable in your own UI or hosted by us.

Compliance on us

MondialPay operates the licensed entity — you stay focused on your product, not regulators.

Revenue share

Earn a share of interchange and FX fees from transactions on your platform — a recurring high-margin revenue stream.

Build the financial layer

Why vertical SaaS bets on embedded finance

Adding payments alone can lift SaaS revenue by 30% or more, while issuing cards, payouts and accounts deepens stickiness with the customer's whole financial workflow. We make every layer of that stack a single integration.

Read the playbook
Embed
From idea to live

Launch a financial product in weeks

Most platforms launch their first embedded product in under 8 weeks — without becoming a bank.

01
Scope

Decide which products to ship: payments, accounts, cards, payouts.

02
Integrate

Use our API or embeddable Connect components — your stack, your UI.

03
Compliance review

We work with you on KYB, BSA/AML programs, and disclosures.

04
Go live

Launch to your users with full operational support from MondialPay.

What you can embed

Pick the building blocks that fit

Mix and match — every product can be turned on, off, or replaced as you grow.

Multi-currency accounts for end users

Provision sub-accounts under your master MondialPay account. Each end user gets local receiving details in major markets, can hold and convert 50+ currencies, and operates under your brand.

Issued cards with programmable controls

Spin up virtual cards instantly or order branded physical cards. Set per-card limits, MCC restrictions, and auth-time webhooks so your code makes the spend decision.

Payouts & treasury

Move money to user bank accounts in 160+ countries via local rails. Handle treasury operations, FX, and reconciliation through one ledger you can audit at any time.

Ready to see MondialPay in action?

Our solutions team will walk you through a live demo tailored to your business — pricing, technical fit, and rollout plan included.

FAQ

Common questions

Do I need a banking license?
No. MondialPay holds the relevant licenses (e-money, money transmitter, payment institution) in every market and is the regulated entity. You operate as a programme manager — much faster, much less risk.
How is revenue share calculated?
Most embedded finance partners share interchange on issued cards, FX margin on cross-currency payments, and a portion of payment processing fees. We model your specific economics together during onboarding.
Who owns the customer relationship?
You do. End users are your customers under your brand and your terms — MondialPay is invisible to them, while we handle the regulated activities behind the scenes.