Banking as a Service (BaaS) providers offer regulated banking infrastructure via APIs so non-banks can offer accounts, deposits, cards, and payments. Compare sponsor bank partnerships, compliance tooling, geographic coverage, and API capabilities.
| Provider | HQ | Category | Target Market | Dev Portal | ||
|---|---|---|---|---|---|---|
 | Marqeta |  | Card IssuingPayments+1 | FintechsNeobanks+2 | Docs | View |
 | Stripe Treasury | | BaaSPayments+2 | PlatformsMarketplaces+2 | Docs | View |
 | Unit | | BaaSCard Issuing+2 | FintechsPlatforms+2 | Docs | View |
 | Treasury Prime | | BaaSPayments+2 | FintechsBanks+1 | Docs | View |
 | Synctera | | BaaSCompliance+2 | Fintechscommunity-banks+1 | Docs | View |
 | Galileo Financial Technologies | | Card IssuingPayments+2 | FintechsNeobanks+2 | Docs | View |
 | Solarisbank (Solaris) |  | BaaSCard Issuing+3 | FintechsBrands+1 | Docs | View |
 | Swan |  | BaaSAccounts+2 | PlatformsMarketplaces+2 | Docs | View |
 | Griffin | '%3e%3cpath fill='%23012169' d='M0 0v30h60V0z'/%3e%3cpath stroke='%23fff' stroke-width='6' d='m0 0 60 30m0-30L0 30'/%3e%3cpath stroke='%23C8102E' stroke-width='4' d='m0 0 60 30m0-30L0 30' clip-path='url(%23b)'/%3e%3cpath stroke='%23fff' stroke-width='10' d='M30 0v30M0 15h60'/%3e%3cpath stroke='%23C8102E' stroke-width='6' d='M30 0v30M0 15h60'/%3e%3c/g%3e%3c/svg%3e){kind=small} | BaaSAccounts+2 | Fintechsemis+1 | Docs | View |
 | Railsr (formerly Railsbank) | | BaaSCard Issuing+2 | BrandsFintechs+1 | Docs | View |
 | Weavr | | BaaSCard Issuing+2 | SaaSPlatforms+1 | Docs | View |
 | Column | | BaaSPayments+2 | FintechsPlatforms+1 | Docs | View |
 | Bond Financial (FIS) | | BaaSCard Issuing+2 | BrandsPlatforms+1 | View | |
 | Solid | | BaaSCard Issuing+2 | FintechsPlatforms+1 | Docs | View |
 | Adyen |  | PaymentsAcquiring+2 | EnterprisePlatforms+2 | Docs | View |
 | ClearBank | | BaaSPayments+2 | FintechsBanks+1 | Docs | View |
Treezor | | BaaSAccounts+2 | FintechsBrands+1 | Docs | View | |
Clair | | Payrollearned-wage-access+1 | HR Platformsstaffing+1 | View | ||
Increase | | BaaSPayments+2 | FintechsPlatforms+1 | Docs | View | |
Ebury Connect | | PaymentsFX+4 | corporatesFintechs+2 | Docs | View | |
 | Brex | | Card IssuingBaaS+2 | FintechsPlatforms+2 | Docs | View |
Frequently Asked Questions
What is Banking as a Service (BaaS)?
Banking as a Service (BaaS) is a model where licensed banks expose their core banking infrastructure—accounts, payments, cards, lending—via APIs so non-bank companies can embed financial products into their platforms. The bank handles regulatory requirements; the BaaS client builds the customer-facing experience. Learn more in our BaaS guide.
Who are the top Banking as a Service providers?
Leading BaaS providers include Unit (US, all-in-one), Stripe Treasury (US, platforms), Treasury Prime (US, multi-bank), Synctera (US, community banks), Solaris (EU, full banking license), Swan (EU, SEPA), and Griffin (UK, FCA-licensed). The right choice depends on geography, use case, and bank partner preferences. See the table above for the full list.
Do I need a banking license to use BaaS?
No. BaaS providers partner with licensed banks that provide regulatory coverage. You integrate with the BaaS platform's APIs, and the sponsor bank handles charter, FDIC insurance (US), and compliance. You'll still need KYC/AML processes and may need state money transmitter licenses for certain payment activities.
What is the difference between BaaS and embedded finance?
BaaS is a subset of embedded finance focused on regulated banking products (accounts, deposits, cards from a bank). Embedded finance is broader and includes non-bank services like card issuing without a bank, payments, lending, and compliance tooling. Many embedded finance platforms bundle BaaS with card issuing and other APIs.