Top Embedded Finance Software Development Companies

Overview

• Compare top embedded finance software development companies, their core strengths, and ideal use cases.​
• Learn how to choose the right partner and see why Soft Suave stands out in this competitive field.

Imagine this: your customers take a loan, split a payment, or buy insurance without ever leaving your app. 

They do it in seconds, not days. If you get embedded finance right, you quietly turn your product into a revenue engine, improve loyalty, and make competitors look slow. If you get it wrong, you drown in integrations, compliance risk, and broken user journeys. 

This guide helps you quickly scan the market, compare the top embedded finance software development companies, and pick a partner that won’t let you down when money, trust, and regulation are on the line.​

This table gives you a quick view of where each player shines so you can match them to your use case, risk level, and launch timeline.

Use it as a shortlist, then dig into the detailed sections below to see who fits your embedded finance roadmap best.

You have many options, but you do not have time to test each one. This section gives you a fast, practical view of the top embedded finance software development companies and what they are best at, so you can narrow your list in minutes instead of weeks.​

Soft Suave Technologies is a custom software development and fintech specialist that helps you build embedded finance features tailored to your product, not the other way around. 

Their teams work on end-to-end solutions, from discovery and UX flows to APIs, testing, and long-term support, so you can focus on growth instead of technical issues.​

• Custom embedded finance journeys: Soft Suave designs and develops payment, lending, and wallet flows that feel native to your app and match your exact user journeys.​
• AI-powered risk and automation: The company uses AI and analytics to automate checks, flag risks, and speed decisions so your financial flows stay safe and fast.​
• Strong fintech and compliance mindset: Their fintech AI experience makes them careful about data security, audits, and regulatory needs while still keeping delivery agile and business-focused.​
• Flexible engagement and offshore value: You can start with small, focused teams or scale up quickly using their offshore development services to control costs without sacrificing quality and speed.
• End-to-end support through the lifecycle: From first prototype to production scaling and optimization, Soft Suave stays involved so your embedded finance layer keeps improving over time.​

If you want a partner who builds around your product and customer experience rather than forcing you into rigid modules, Soft Suave is a strong fit.​

Marqeta is a leading modern card issuing platform that powers embedded card and payment experiences through flexible APIs. 

You can use it to issue physical and virtual cards, control spending in real time, and support new business models like on-demand payouts and gig worker wallets.​

• Modern card issuing for new use cases: Marqeta helps you launch branded cards, controlled spend programs, and on-demand payouts that work inside your existing customer experience.​
• Strong controls and just-in-time funding: Real-time funding and granular controls let you manage risk and cash flow while still giving your users a smooth payment experience.​

If your main embedded finance need is card issuing and controlled payouts at scale, Marqeta should be on your shortlist.​

Checkout.com is a global payments company that lets you accept and optimize payments through a single API across cards, wallets, and local methods. 

Its platform supports embedded finance use cases where smooth payments, fraud prevention, and global reach matter more than building everything from scratch.​

• Wide global payments coverage: Checkout.com supports many currencies, payment methods, and regions, helping your product scale into new markets without complex local setups.​
• Built-in risk and optimization tools: The platform offers fraud tools, routing optimization, and analytics so you can increase approvals and protect revenue in the background.​

If you want embedded payments that just work across markets without juggling multiple providers, Checkout.com is a strong candidate.​

Weavr is known for its “Financial Plug-ins,” which are pre-built, compliant embedded finance modules that fit into your product. 

These plug-ins bundle accounts, cards, and payments with regulation and risk handled behind the scenes, so you do not start from zero.​

• Plug-and-play financial modules: You can quickly add finance features using ready-made building blocks instead of designing and integrating every small step yourself.​
• Compliance and onboarding built in: Weavr handles much of the heavy lifting around onboarding, KYC, and regulation, so your team can focus on UX and business logic.​

For SaaS or B2B platforms that want to ship embedded finance fast with less regulatory burden, Weavr is worth a close look.​

OpenPayd is a financial infrastructure provider that delivers banking-as-a-service features such as multi-currency accounts, local IBANs, and payment rails. 

It helps you embed accounts, payments, and FX into your platform while relying on proven, scalable infrastructure.​

• Multi-currency accounts and payments: OpenPayd lets your users receive, hold, and send funds across currencies using accounts and rails integrated directly into your product.​
• Proven performance with digital leaders: The company powers firms in crypto, FX, and digital assets, showing that its tech stack handles high volume and complex use cases.​

If you need embedded accounts and payments with strong FX and settlement options, OpenPayd provides a mature foundation.​

Mambu is a cloud-based core banking and lending platform used by many embedded finance providers.

Instead of a monolith, it offers components you can mix to support accounts, lending, deposits, and more.​

• Composable cloud core for finance: Mambu lets you create accounts and lending products as modular services that adapt as your embedded finance needs change.​
• Designed for speed and innovation: Many digital banks and lenders use Mambu to launch products faster, run tests, and scale without rebuilding their core systems.​

When you need a robust, modern core beneath your embedded finance features, Mambu is a proven option.​

Affirm is a well-known buy now, pay later provider that plugs into e-commerce and platforms to offer financing at checkout. 

With Affirm, you allow customers to split purchases into installments without leaving your site.​

• High-converting BNPL at checkout: Affirm gives your users clear installment options at checkout, which often improves conversions and average order values.​
• Underwriting and risk handled for you: Affirm manages credit checks and risk, so you can offer financing without owning the entire lending and collections stack.​

If embedded finance for you means driving sales with built-in consumer financing, Affirm is a practical, widely adopted choice.​

Solaris is a regulated banking-as-a-service provider that lets non-banks embed full banking products. 

It offers licenses, accounts, cards, and compliance support, all through APIs.​

• Regulated BaaS with full banking stack: Solaris gives you access to licensed banking infrastructure, including accounts and cards, under a partner bank model.​
• Strong European focus and compliance: The company focuses on European markets, helping you navigate local regulations and launch across the EU with less friction.​

For platforms targeting Europe with deep banking features, Solaris offers a solid, regulated backbone.​

Plaid is a financial data network that connects your product to users’ bank accounts and financial data. 

It is a core building block for many embedded finance experiences that require account verification and real-time data.​

• Reliable bank connectivity and data: Plaid lets your users connect bank accounts quickly so you can pull balances, transactions, and identity data securely.​
• Use cases from payments to lending: You can use Plaid for account funding, risk checks, budgeting, or lending decisions, depending on your product needs.​

If your embedded finance idea depends on easy, secure access to users’ bank data, Plaid is often one of the first tools to consider.​

Computools is a global software development company with a strong focus on fintech and embedded finance projects for banks, lenders, and digital platforms. 

It helps you modernize complex financial workflows and build embedded finance products that are secure, scalable, and ready for regulatory pressure.​

• Custom embedded finance platforms and journeys: Computools designs and builds tailored platforms that integrate payments, lending, insurance, or wealth tools into your existing experiences.​
• Case-study backed delivery and modernization: Through projects like Keller Covered and Invest Latam, Computools shows a clear impact on transaction volumes, onboarding speed, and user growth.​

If you need a partner that can handle heavy workflows, legacy modernization, and long-term growth, Computools is a very strong option.

Choosing an embedded finance partner is not just a technical decision; it changes how money moves through your business. 

To avoid expensive mistakes, you need to match your business goals, risk profile, and roadmap with the right type of company from this list.​

• Start with your business model and use case: Clarify whether you mainly need payments, lending, cards, banking, or data, and align partners to that priority.​
• Check domain expertise and regulatory depth: Look for vendors with proven experience in your region and segment, plus comfort with KYC, AML, and audits.​
• Evaluate architecture, APIs, and integration effort: Review documentation, SDKs, sandboxes, and reference architectures to judge how quickly your team can integrate and iterate.​
• Consider scalability, reliability, and SLAs: Ask about uptime, throughput, data residency, certifications, and support terms to ensure the platform can support your growth.​
• Look at case studies and measurable outcomes: Focus on real projects, metrics, and client stories that show how they improved conversion, reduced risk, or opened new revenue.​
• Align on collaboration style and roadmap: You need a partner that listens, shares a clear roadmap, and collaborates with your team, not just sells licenses.​

If you walk through these steps before signing anything, you greatly reduce the chances of ending up with a shiny, but unusable, finance layer.​

Soft Suave stands out among embedded finance software development companies because it blends strong fintech experience with cost-effective, flexible delivery models. 

Its 400+ AI-enabled developers help you turn risky, manual finance workflows into smooth, embedded experiences that your users can complete in just a few steps. 

You get a partner that understands both technology and regulation, yet still moves fast enough to keep up with your product roadmap and market shifts.​

• Deep fintech and KYC/AML expertise: Soft Suave has experience in AI-powered KYC, AML, and risk workflows, which is critical when embedding regulated financial features into apps.​
• AI-driven automation for finance operations: The team uses AI to automate document checks, fraud detection, and decision-making, reducing manual work and speeding up approvals.​
• Flexible engagement and offshore delivery: With large offshore teams, Soft Suave offers dedicated squads, staff augmentation, and project-based models that help you control costs and timelines.​
• End-to-end product development support: They support you from idea validation and UX to development, testing, and scaling, so your embedded finance stack grows with your business.​
• Strong engineering capacity and tech stack: With 400+ developers and a broad stack for web, mobile, and backend, Soft Suave can handle complex, multi-component embedded finance builds.​
• Focus on long-term partnerships: Client stories highlight reliable communication, deadline discipline, and ongoing collaboration, making Soft Suave a stable, long-term fintech partner.​

If you are looking for a partner who can combine AI, fintech domain knowledge, and affordable scale, Soft Suave is a compelling choice for embedded finance projects.

Embedded finance is no longer a side feature. It is one of the fastest ways for your product to earn more, build loyalty, and remove friction from everyday decisions. 

When you pick the right embedded finance software development company, you get more than code: you get a partner who protects you from compliance risks, designs smooth journeys, and keeps your platform ready for what comes next. 

The companies in this list give you very different paths, card issuing, data, full banking, or custom builds, but the best choice is the one that fits your users, market, and roadmap. 

Take the time to map your goals, test the tech, and judge how each partner works with you. Then commit fully and build financial experiences your customers will never want to leave.​