Best Embedded Banking for Marketplaces in USA in 2025

J.P. Morgan Payments is a global payments platform providing end-to-end solutions for commerce, receivables, cross-currency, working capital, blockchain, liquidity, and more. The platform is designed to help businesses of all sizes securely move money, access new markets, and leverage advanced technologies for growth and efficiency.

Treasury Prime Payments is a modular, embedded banking solution that enables banks and fintechs to modernize their payments infrastructure. It supports a wide array of payment types, including card programs, ACH, wire transfers, digital payments, check issuing, book transfers, real-time payments, and deposit sweeps. The platform empowers institutions to control and scale their payment programs, manage access and limits, and integrate with a marketplace of compliance and risk management partners.

BMO offers a range of Mastercard® credit cards designed to match different spending styles, including options for cash back, rewards points, travel, low interest, and credit building. Cards come with various benefits, rewards programs, and features to suit personal and business needs. Applications are open to both U.S. and Canadian customers, subject to eligibility and approval.

Bill Optimization by Atomic is a platform that empowers users to track, manage, and optimize their bills and subscriptions. It provides actionable insights, automated notifications, and direct controls (pause, cancel, reactivate) for recurring payments, helping users save money and avoid unnecessary charges.

CSI's Open Banking Marketplace provides financial institutions with access to a broad ecosystem of fintech partners and solutions, allowing them to enhance their digital offerings, streamline operations, and deliver new services to their customers. The platform features integrations with preferred partners and supports embedded digital experiences, real-time payments, loan origination, compliance, and more.