Banking-as-a-service

Platforms that connect fintechs and software companies to a sponsor bank for accounts, cards and money movement.

7 listings

Column

A nationally chartered US bank that sells accounts, payments, cards and loans to developers through its own APIs.

Website: column.com
Infrastructure layers: Banking-as-a-service, bank with own APIs
Products (as published): Bank Accounts (FBO, sweep, clearing and custom account types)
Payment Origination (ACH, domestic wires, book transfers)
International Wires
Realtime Payments (FedNow and RTP, request for payment)
Checks (issuing, deposits, lockboxes)
Card Programs (all major networks and issuer processors)
Loans (origination, disbursements, payments)

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Increase

API-first bank infrastructure for technology companies, now run alongside its own FDIC-insured bank, Increase Bank.

Website: increase.com
Infrastructure layers: Banking-as-a-service, core banking
Products (as published): Bank Accounts
ACH, wires, Real-Time Payments and FedNow
Checks
Cards (programmatic Visa card programs)
Push-to-Card
Sponsor banking (core for banks)

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Lead Bank

A Kansas City bank that sells accounts, payments, cards and loans to fintechs through its own REST APIs.

Website: lead.bank
Infrastructure layers: Banking-as-a-service, bank with own APIs, card issuing, lending
Products (as published): Accounts (deposit accounts with subledger balances)
Money Movement (ACH, wires, instant payments over FedNow and RTP, internal transfers, blockchain payments)
Card Programs (debit, prepaid and credit on a dedicated BIN across Visa, Mastercard and American Express, with the client's issuer processor)
Credit and Lending (term loans and lines of credit, secured and unsecured)
Digital Assets (USD and stablecoin pay-ins and payouts, on and off ramps, stablecoin-backed cards)
Agentic Finance (scoped account numbers and cards attributed to agents)

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Newline by Fifth Third

Fifth Third Bank’s API platform for payments, cards and deposit accounts, sold directly by the bank.

Website: newline53.com
Infrastructure layers: Banking-as-a-service, embedded payments (bank-owned platform)
Products (as published): Payments and transfers (ACH, wires, book transfers, Real-Time Payments; FedNow not yet available)
Cards (commercial credit and prepaid debit, virtual and physical)
Bank accounts (FDIC-insured, when eligibility conditions apply)

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Synctera

A BaaS platform for building accounts, cards and payments on a sponsor bank, with oversight tools for the banks.

Website: synctera.com
Infrastructure layers: Banking-as-a-service, card issuing
Products (as published): Synctera APIs (KYC/KYB onboarding, payments, core banking, fraud and transaction monitoring, card issuing and processing)
Synctera Ledger
Synctera Console
White-Label UX Suite
Debit, credit, smart charge and fleet cards

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Treasury Prime

Banking software that lets banks run embedded-banking programs and lets fintechs reach banks in its network.

Website: treasuryprime.com
Infrastructure layers: Banking-as-a-service, core banking
Products (as published): Bank OS (embedded banking, digital banking, open banking, tools)
Virtual Ledger (virtual sub-ledger, supplemental core)
Payments (card programs, checks, book transfers, ACH, wire, real-time payments, deposit sweeps)
Find a Bank (marketplace submission to banks in its network)
OneKey (several banks through one API integration)

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Unit

A US banking-as-a-service platform for software companies, with accounts, payments, cards and credit from partner banks.

Website: unit.co
Infrastructure layers: Banking-as-a-service, card issuing
Products (as published): Accounts & Wallets (deposit accounts, wallets, FBO)
Money Movement (ACH, checks, wires, Real Time Payments, cross-border)
Card Issuing (debit, charge and revolving credit cards)
Capital (working capital, charge cards, credit cards)
Managed Solutions / Ready-to-Launch (banking, bill pay, capital)

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Each profile records what the provider publishes: products, client types, regions, partner banks as announced, licences from official registers and API documentation. Some providers are banks selling their own APIs; others run software over partner banks. The models are compared in baas platform and the list of banking as a service providers.

Questions

Is a BaaS provider a bank? Some are. Column and Lead Bank hold bank charters and Newline is a division of Fifth Third Bank, while Unit, Synctera and Treasury Prime work with partner banks.

How are partner banks listed? Only when the provider or the bank has announced the partnership, with the date.

Where are the banks’ enforcement records? In the sponsor bank enforcement actions tracker.

Source: each provider’s own documentation, product pages, official announcements and filings, and official registers for licences, as linked in each profile. Fields a provider does not publish stay empty. How we build profiles: methodology.