Best Embedded Banking for Marketplaces in USA in 2025
Published: December 5, 2025 | Verified by: Ted Scheiman & Rob Watts
Executive Summary
We analyzed 5 solutions. Top Recommendation: Payments by J.P. Morgan Payments scored highest due to Strong legacy and innovation leadership in embedded finance with a broad spectrum of payment capabilities and successful integrations like Macy's, offering a seamless commerce experience..
Content Verification
Evaluation Criteria:
Side-by-Side Comparison
| Feature | #1 Payments (J.P. Morgan Payments) | #2 Payments (Treasury Prime) | #3 Credit Cards (BMO Financial Group) | #4 Bill Optimization (Atomic FI Inc.) | #5 Open Banking Marketplace (CSI (Computer Services, Inc.)) |
|---|---|---|---|---|---|
| Best For | Strong legacy and innovation leadership in embedded finance with a broad spectrum of payment capabilities and successful integrations like Macy's, offering a seamless commerce experience. | AI Marketplace and intelligent partner matching accelerate partnerships between banks and fintechs, reducing onboarding friction and expanding access to embedded banking innovation. | Developer friendly with a secure sandbox environment, enabling quick integration and testing to facilitate cross-border payment workflows and embedded finance experiences. | Focus on embedded payment connectivity with utilities and recurring bill payments, leveraging behavioral insights to optimize payment timing and retention within the host app. | Fully integrated with core banking, allowing marketplaces to offer a consistent and innovative digital experience tailored for commercial clients alongside retail banking. |
| Banking & Regulatory Coverage | Treasury Prime provides bank-direct coverage via a U.S. network of up to 17 partner banks, with fintechs contracting directly with banks and matching by compliance expectations. (treasuryprime.com) It is SOC 2 Type II and supports PCI, and offers 20+ prebuilt compliance integrations (KYC/KYB, AML/transaction monitoring, sanctions, third-party risk) through its Partner Marketplace. (treasuryprime.com) | Treasury Prime provides bank-direct coverage via a U.S. network of up to 17 partner banks, with fintechs contracting directly with banks and matching by compliance expectations. (treasuryprime.com) It is SOC 2 Type II and supports PCI, and offers 20+ prebuilt compliance integrations (KYC/KYB, AML/transaction monitoring, sanctions, third-party risk) through its Partner Marketplace. (treasuryprime.com) | Canada: BMO serves retail clients through BMO Bank of Montreal, an OSFI‑regulated D‑SIB and CDIC member. (economics.bmo.com) U.S.: Credit cards are provided by BMO Bank N.A., a national bank regulated by the OCC and Member FDIC. (occ.gov) | Atomic’s bill optimization runs on a platform with SOC 2 Type 2 attestation (Apr 2023, Mar 2024) and PCI DSS Attestation of Compliance (May 2024) for card data via PayLink; TrueAuth keeps credentials on‑device. The suite supports banks aligning with CFPB’s open‑banking direction. (atomic.financial) | Integrated lending, deposit and mortgage compliance via Marketplace partners: Wolters Kluwer ComplianceOne (Lending, Deposit, Compliance One Plus, Mortgage) and Finastra LaserPro/DepositPro. Features include compliant, transaction‑specific documents, dynamic compliance warnings, and regulatory‑update guidance to help institutions meet federal and state requirements. (csiweb.com) |
| API Integration & Developer Experience | RESTful JSON API with resource‑oriented endpoints and Basic Auth; production and sandbox environments. (docs.treasuryprime.com) Webhooks with up to 15 retries for event updates (e.g., ach.update). (docs.treasuryprime.com) Unified API for accounts and payment rails; Postman collection, simulations, and a free developer sandbox accelerate integration. (treasuryprime.com) | RESTful JSON API with resource‑oriented endpoints and Basic Auth; production and sandbox environments. (docs.treasuryprime.com) Webhooks with up to 15 retries for event updates (e.g., ach.update). (docs.treasuryprime.com) Unified API for accounts and payment rails; Postman collection, simulations, and a free developer sandbox accelerate integration. (treasuryprime.com) | BMO’s Developer Portal provides payment and account‑reporting APIs with clear docs, code samples, an API Explorer, and free sandbox plus pre‑production environments for testing and validation. (developer.bmo.com) It supports embedded finance and cross‑border payment integrations, with dedicated developer support. (newsroom.bmo.com) | RESTful, JSON API with API-key/token auth, sandbox and Postman workspace. (docs.atomicfi.com) SDKs for iOS, Android, React Native (or web/iframe) plus headless API; SDKs unlock TrueAuth. (docs.atomicfi.com) Webhooks for real-time events. (docs.atomicfi.com) Developer guides cover UX; endpoints include company search, account linking, and subscription management. (docs.atomicfi.com) | CSI provides a Developer Portal with comprehensive API docs, code samples, interactive tools, and test environments; developers receive sandbox credentials to test real API calls, then production access. (developer.csiweb.com) Open APIs integrate to CSI’s core; portal analytics/support and a certification process ensure Marketplace listings are proven deployments. (csiweb.com) |
| Treasury & Funds Orchestration | Treasury Prime orchestrates funds via a real-time virtual sub-ledger (transacting sub-accounts, rules-based controls), deposit sweeps for enhanced FDIC coverage, instant cross-bank network transfers plus same-bank book transfers, FedNow real-time payments, and a unified API for centralized control. (treasuryprime.com) | Treasury Prime orchestrates funds via a real-time virtual sub-ledger (transacting sub-accounts, rules-based controls), deposit sweeps for enhanced FDIC coverage, instant cross-bank network transfers plus same-bank book transfers, FedNow real-time payments, and a unified API for centralized control. (treasuryprime.com) | Supports treasury orchestration via: Payment APIs with developer portal/sandbox to embed payments in ERPs/treasury platforms; V-PAYO single-file payables across virtual card/ACH/wire/check with approvals, decisioning, and reconciliation; BMO Sync two-way ERP connectivity automating payments/reconciliation; Spend Dynamics controls/reporting; flexible billing and virtual department “cardless” accounts to centralize spend. (usnewsroom.bmo.com) | Enables in-app bill payments directly to merchants/billers via ACH or card, so users can pay without leaving the banking app; also supports updating card and ACH payment methods across merchants to keep recurring payments flowing. (businesswire.com) | Treasury & Funds Orchestration: Enables cash-management and payment flows via FedNow instant payments; ACH (20+ types), positive pay, sweep accounts and expanded wire capabilities through Dragonfly; integrated domestic/international wire systems (FedLink, WITS, Payments Exchange: Fedwire); plus Payrailz and MOCA (P2P/B2B) for consumer/business payments, delivered through API-based integrations with CSI core. (csiweb.com) |
J.P. Morgan PaymentsCompany Information
Treasury Prime is a financial technology company that provides a bank direct embedded banking platform for fintechs and banks. The platform enables users to build, launch, and scale their businesses while maintaining control and compliance.
"Bank OS"
Keywords
Description
Treasury Prime provides a banking software platform designed to enable banks and credit unions to accelerate growth through embedded finance, with a focus on compliance and integration.
What They Do
Offers an embedded banking platform that simplifies and enhances banking operations, compliance, payments, and customer engagement.
Who They Serve
Banks, credit unions, and fintech companies who seek to integrate traditional banking services into their platforms.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Summary
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.
Best For
Corporates: Large multinationals seeking to simplify complex payments ecosystems., Financial Institutions: Banks and FIs seeking cost efficiencies, automation, and digital customer experiences., E-commerce Businesses: Online merchants requiring agile, resilient, and scalable payment solutions., Small and Medium-sized Businesses: Flexible payment acceptance, fast funding, and high security., Marketplace Operators: Platforms needing seamless payments to sellers., Fintechs: Partners seeking embedded finance and innovative payment methods.
Key Features
- Accept Payments: Card acceptance, automated receivables, digital bill payment, payment gateway, integrated receivables, remote capture, wallet solutions.
- Process Payments: Automated payables, payment facilitation.
- Manage Funds: Cash management, liquidity solutions, escrow services, commercial cards, analytics and insights, virtual account management.
- Send Payments: Domestic and cross-border payments, commercial cards, virtual cards, integrated payables, real-time payments (FedNow), developer portal.
- Embedded Finance: Banking-as-a-service, wallet, liquidity and account solutions.
- Blockchain Solutions: Kinexys ecosystem, Liink, Coin Systems, digital assets, blockchain launch.
- Safeguard Information: Trust and safety, risk assessment, fraud mitigation, global controls.
- Client Service: 24/7/365 global client support.
- Developer Platform: APIs and tools for integration and automation.
Key Benefits
- Global reach: Payments processed in 170+ countries and 120+ currencies.
- Scale: Nearly $10 trillion in daily payments processed.
- Advanced security and fraud mitigation.
- End-to-end payment ecosystem: Accept, process, manage, and send payments.
- Local expertise with 150 years of in-region experience.
- Continuous investment in technology and product development.
- Solutions for both large multinationals and small businesses.
- Seamless integration and automation via APIs and developer tools.
Who Is It For
- Corporates: Large multinationals seeking to simplify complex payments ecosystems.
- Financial Institutions: Banks and FIs seeking cost efficiencies, automation, and digital customer experiences.
- E-commerce Businesses: Online merchants requiring agile, resilient, and scalable payment solutions.
- Small and Medium-sized Businesses: Flexible payment acceptance, fast funding, and high security.
- Marketplace Operators: Platforms needing seamless payments to sellers.
- Fintechs: Partners seeking embedded finance and innovative payment methods.
Use Cases
- Accepting payments from customers globally.
- Automating payables and receivables.
- Managing liquidity and cash flow across multiple accounts and currencies.
- Sending domestic and cross-border payments.
- Integrating payments into digital platforms and marketplaces.
- Leveraging blockchain for secure, efficient transactions.
- Mitigating fraud and ensuring compliance.
- Providing real-time treasury and forecasting capabilities.
Geographic Availability
J.P. Morgan Payments: More Than a Payments Partner
J.P. Morgan Payments is positioned as a partner for commerce, receivables, cross-currency, working capital, blockchain, liquidity and more. The platform is designed to provide clarity and confidence over money movement for businesses.
The global shift rewiring finance
The future of payments is being written in code. Technology and finance are increasingly intertwined, with builders creating fast, frictionless, and secure technologies powering payments.
Rethink your payments platform
Secure your payments, facilitate capital transfers, manage your accounts, or find the answer to your unique challenge. J.P. Morgan invests billions every year into technology and product development to help your business thrive.
- Accept Payments
- Process Payments
- Manage Funds
- Send Payments
- Embedded Finance
- Safeguard Information
- Client Service
- Developer
We’re more than just a global bank
J.P. Morgan Payments solutions do more than process payments. They connect your business to the world, leveraging global scale and local expertise.
Payments do more than you think
Every payment is an opportunity for growth, optimization, and innovation, whether your business is a large multinational or a small business enterprise.
- Corporates: End-to-end payment solutions and virtual account structures.
- Financial institutions: Cost efficiencies, automation, and digital customer experience.
- E-commerce: Agile, resilient solutions like J.P. Morgan Wallet.
- Small and medium-sized businesses: Flexible acceptance, fast funding, high security.
Doing more for our clients
Case studies and client stories highlight how J.P. Morgan Payments helps clients like Paramount Pictures, Macy’s, and Caterpillar optimize payments, scale marketplaces, and manage working capital.
- Paramount Pictures: Streamlining global payments with cross-currency solutions.
- Macy’s Marketplace: Seamless payments to sellers.
- Caterpillar: Optimizing working capital and supply base resilience.
Insights with your business in mind
J.P. Morgan Payments provides insights and thought leadership on digital payments innovation, industry trends, and treasury management.
- Forecasting Payments
- Payments Unbound (bi-annual publication with WIRED)
- Saudi Arabia cash management
- Trends in Latin America
Rethink your payments
Stay informed on the latest insights on digital payments innovation and industry trends by signing up for the newsletter.
Resources
Detailed Comparison
Banking & Regulatory Coverage
API Integration & Developer Experience
Treasury & Funds Orchestration
Treasury PrimeCompany Information
Treasury Prime is a financial technology company that provides a bank direct embedded banking platform for fintechs and banks. The platform enables users to build, launch, and scale their businesses while maintaining control and compliance.
"Bank OS"
Keywords
Description
Treasury Prime provides a banking software platform designed to enable banks and credit unions to accelerate growth through embedded finance, with a focus on compliance and integration.
What They Do
Offers an embedded banking platform that simplifies and enhances banking operations, compliance, payments, and customer engagement.
Who They Serve
Banks, credit unions, and fintech companies who seek to integrate traditional banking services into their platforms.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Social Media
Summary
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.
Best For
Banks seeking to modernize their payments infrastructure, Fintechs building or scaling payment programs, Institutions looking to expand into new geographies, niche markets, or affinity groups, Organizations wanting direct control over their payment programs
Key Features
- Comprehensive credit and debit card programs
- ACH and wire payments
- Digital payments
- Remote deposit capture for checks
- Check issuing
- Book transfers
- Realtime payments
- Deposit sweeps
- Modular solution selection and scalability
- Direct management of program access, limits, and volumes
- Integration with partner marketplace for compliance and risk management
Key Benefits
- Modernizes payments capabilities with comprehensive solutions.
- Enables efficient setup and scaling of payment programs beyond traditional customer bases.
- Provides control over access, limits, and volumes of card or payment programs.
- Integrates with 20+ leading product partners for compliance, risk management, and fraud monitoring.
- Supports expansion into new geographies, niche markets, and affinity groups.
Who Is It For
- Banks seeking to modernize their payments infrastructure
- Fintechs building or scaling payment programs
- Institutions looking to expand into new geographies, niche markets, or affinity groups
- Organizations wanting direct control over their payment programs
Modernize Your Payments.
Treasury Prime can bridge the gap between traditional bank technology and 21st century payments infrastructure, enabling you to access an array of innovative solutions that can attract new customers and fuel your growth.
Prime Benefits. Key Advantages.
Treasury Prime makes it easy and convenient to supplement and modernize your payments capabilities – from comprehensive credit and debit card programs, to ACH and wire payments, digital payments, and remote deposit capture for checks. Treasury Prime makes it easy and efficient to set up and scale a payment program outside your traditional customer base – including new geographies, niche markets, and affinity groups. Treasury Prime puts your institution in the driver’s seat to set and manage access, limits, and volumes of your card or payment program. Don’t outsource it to a third-party vendor. Treasury Prime’s partnership marketplace gives you access to 20+ leading product partners that offer best-in-class compliance, risk management, and fraud and transaction monitoring capabilities.
- Supplement and modernize payments capabilities
- Set up and scale payment programs for new markets
- Direct control over access, limits, and volumes
- Integrate with 20+ compliance and risk management partners
Trusted Payments. Trusted Partners.
Tap into modern payment gateways and offer an array of new products, including: Card program, check issuing, book transfers, ACH/Wire Transfers, Realtime Payments, Deposit Sweeps.
- Card program
- Check issuing
- Book transfers
- ACH/Wire Transfers
- Realtime Payments
- Deposit Sweeps
Build your own banking strategy
Treasury Prime puts you in control of your embedded banking journey. Choose the modular solutions most appropriate for your organization, and add new ones as your banking strategy and business needs evolve.
- Modular solution selection
- Scalable as business needs evolve
Resources
Supporting Resources
Detailed Comparison
Banking & Regulatory Coverage
API Integration & Developer Experience
Treasury & Funds Orchestration
BMO Financial GroupCompany Information
BMO is a financial institution that provides a wide range of banking and financial services to individuals and businesses. They offer personal and business banking, credit cards, loans, investments, insurance, and more. BMO has a strong presence in Canada and the US, with a focus on helping customers achieve their financial goals.
Keywords
Description
Bank of Montreal offers a range of personal banking services including checking and savings accounts, credit cards, loans, mortgages, and investment options.
What They Do
Provided personal banking, business banking, wealth management, commercial banking, capital markets, and global asset management services.
Who They Serve
Individual consumers, businesses, and institutional clients.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Summary
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.
Best For
Individuals seeking cash back, rewards, travel, low interest, or credit-building credit cards., Existing BMO customers (U.S. and Canada) and new customers., Business owners (for business credit cards).
Key Features
- Developer friendly with a secure sandbox environment, enabling quick integration and testing to facilitate cross-border payment workflows and embedded finance experiences.
Key Benefits
- Multiple card options to match spending style and financial goals.
- No annual fee options available.
- Introductory offers for cash back, points, and balance transfers.
- Rewards programs with flexible redemption options.
- Tools for credit building and management.
- Contactless and digital wallet compatibility.
- Installment payment plans for large purchases.
Who Is It For
- Individuals seeking cash back, rewards, travel, low interest, or credit-building credit cards.
- Existing BMO customers (U.S. and Canada) and new customers.
- Business owners (for business credit cards).
Geographic Availability
Resources
Supporting Resources
Detailed Comparison
Banking & Regulatory Coverage
API Integration & Developer Experience
Treasury & Funds Orchestration
Atomic FI Inc.Company Information
Atomic is a financial company that provides financial services.
"The framework for connected banking"
Keywords
Description
Atomic provides solutions to grow direct deposits, increase spend, and boost customer engagement in the banking industry.
What They Do
Atomic offers a platform for managing finances, including subscription management, direct deposit switching, and payment switching.
Who They Serve
Financial institutions and their customers looking to improve banking experience.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Key Pages
Navigation Links
Summary
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.
Best For
Financial institutions seeking to add value-added services, Banks and fintechs wanting to help customers control their money, End users who want to manage and optimize recurring bills and subscriptions
Key Features
- Unified billing dashboard for tracking and managing bills
- Notifications for upcoming payments and new statements
- Ability to pay bills directly within the app
- Pause, cancel, or reactivate subscriptions with one click
- Usage-based recommendations for plan optimization
- Merchant and SKU-level transaction data with logos and delivery confirmation
- Coverage across subscriptions, utilities, insurance, and merchant wallets
- Secure, direct user authentication via TrueAuth
- Flexible integration via SDKs or headless API
Key Benefits
- Automated bill and subscription tracking
- Actionable insights to reduce spend
- Direct controls to pause, cancel, or reactivate subscriptions
- Alerts for upcoming payments and free trial expirations
- Spend analysis and clear transaction data
- Reduced support costs and chargebacks for financial institutions
- Increased customer engagement and satisfaction
Who Is It For
- Financial institutions seeking to add value-added services
- Banks and fintechs wanting to help customers control their money
- End users who want to manage and optimize recurring bills and subscriptions
Use Cases
- Subscription management
- Bill tracking and payment
- Plan optimization based on actual usage
- Reducing subscription-related disputes and chargebacks
- Providing self-service tools for recurring payment management
How It Works
Users connect their accounts to Atomic's platform via secure authentication.
The dashboard aggregates and displays all recurring bills and subscriptions.
Users receive alerts for upcoming payments, new statements, and free trial expirations.
Users can pause, cancel, or reactivate subscriptions directly from the platform.
The system analyzes app and service usage to recommend savings opportunities.
Atomic surfaces clear merchant data to help users recognize transactions and avoid disputes.
The action layer for smarter spending subscriptions management bill tracking plan optimization
Help your customers take control of their finances and unlock savings by automating the way they manage their bills and subscriptions.
Bills and subscriptions are hard to stay on top of. Help your users track, manage, and optimize theirs.
Bill tracking
A billing dashboard that was built to help users take action. Enable users to track bills, receive alerts, and analyze spending—all in one place.
- Pause, cancel, or reactivate subscriptions directly from your platform
- Send users notifications about their upcoming payments and new statements
- Allow users to pay any of their bills from within your app
- Help users understand their spend with data and insights
- Users can access nearly every app imaginable through TrueAuth
- Atomic's Transact SDK makes using Atomic a breeze
Subscription management
A personal assistant that tracks recurring charges. Identify active subscriptions, pause or cancel with one click, send alerts when free trials are ending, schedule future subscription reactivations.
- Identify active subscriptions
- Pause or cancel with one click
- Send alerts when free trials are ending
- Schedule future subscription reactivations
Plan optimization
A system that analyzes app usage and finds ways to save. Recommendations come from actual usage data, not just transaction history. Users get immediate feedback and can confirm changes and cancellations immediately without leaving the banking app.
- Usage-based recommendations for plan optimization
- Immediate feedback and confirmation of changes
Context that prevents confusion.
Atomic surfaces merchant names, logos, SKU-level data, and even delivery confirmation so users have more insight on specific transactions. 50% of consumers investigated a purchase last year due to unclear transaction data. Recurring transactions have a 275% higher chargeback rate than one-time purchases.
- Merchant names, logos, SKU-level data, and delivery confirmation
- Reduces support tickets and chargebacks
Less ops load. More engagement.
Reducing user friction eases ops. Atomic gives users the details they need upfront—cutting costs and boosting primacy.
- Average subscription-related dispute costs a bank $136 million annually
- 75% of banks report rising subscription-related disputes
- 82% of banks say reducing support costs through self-service is a high priority
- 85% of consumers want subscription management built into their banking app
- Consumers underestimate their monthly subscription spend by an average of $133 and spend over $219/month
- 92% say clearer merchant data would help them recognize transactions
One integration, many use cases.
Atomic’s SDK integrates seamlessly to unlock value with minimal effort—boosting satisfaction, engagement, and reducing disputes fast. 94% of merchants have a team of 30+ employees managing subscription disputes. Let your users solve them in seconds—inside your app.
Why Atomic?
Atomic is for financial institutions who want to create value-add services, and help customers be in control of their money.
- Broad coverage across subscriptions, utilities, insurance, and top merchant wallets
- Actions like pausing, canceling, plan changes, and payment updates
TrueAuth
Enable secure, direct user authentication without requiring third-party integration of open authentication protocols.
Developer experience
Integrate flexibly with Atomic's SDK's for a customizable UI or use our headless API to build your own experience.
Get a demo
Unlock the action layer of your financial app. Request a product demo, receive customized pricing, get help onboarding.
- Request a product demo
- Receive customized pricing
- Get help onboarding
Resources
Supporting Resources
Detailed Comparison
Banking & Regulatory Coverage
API Integration & Developer Experience
Treasury & Funds Orchestration
Open Banking Marketplace
CSI (Computer Services, Inc.)Company Information
CSI is a leading fintech, regtech and cybersecurity partner offering today's top innovations to help businesses grow. They provide a range of solutions including core banking software, managed cybersecurity, managed IT services, financial crimes prevention, and advisory services.
"High tech, meet high touch."
Keywords
Description
CSI provides modern software and open technologies to help banks and credit unions compete effectively in a digital landscape while maintaining a high level of service.
What They Do
They provide core banking software, managed cybersecurity, managed IT services, financial crime solutions, and advisory services.
Who They Serve
Banks and credit unions.
Key Value Propositions
Target Customers
Industries Served
Contact Information
Navigation Links
Summary
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.
Best For
Banks, Credit unions, Financial institutions using CSI’s core banking solutions, Community banks, Mid-sized lenders
Key Features
- Marketplace with 50+ fintech solutions across categories such as account opening, cards, customer service, deposits, digital banking, document management, e-signature, lending, merchant services, and payments
- Embedded digital experiences for online and mobile banking
- Loan origination and exception tracking systems
- Real-time payment and funding solutions
- eSignature and document management platforms
- Compliance and risk management tools
- Integration platforms to connect CSI core with third-party fintech providers
- Support for both consumer and commercial banking products
Key Benefits
- Access to a wide range of fintech integrations and solutions
- Ability to enhance and modernize digital banking offerings
- Streamlined workflows and operations through integrated platforms
- Support for consumer, business, and commercial banking needs
- Preferred partner solutions for reliability and quality
- Opportunity to request new integrations via discovery form
Who Is It For
- Banks
- Credit unions
- Financial institutions using CSI’s core banking solutions
- Community banks
- Mid-sized lenders
Open Banking Marketplace
Explore the Marketplace and Discover New Connections. The Open Banking Marketplace provides access to a curated selection of fintech solutions and integrations for financial institutions.
Categories
Solutions are organized into categories such as Account Opening, Cards, Customer Service, Deposits, Digital Banking, Document Management, E-Signature, Embedded in Digital, Exception Tracking, Integrators, Lending, Merchant Services, and Payments.
- Account Opening
- Cards
- Customer Service
- Deposits
- Digital Banking
- Document Management
- E-Signature
- Embedded in Digital
- Exception Tracking
- Integrators
- Lending
- Merchant Services
- Payments
Discover New Connections
If you’re interested in a fintech integration not currently listed in our Marketplace, submit a discovery form to get started.
Resources
Supporting Resources
Detailed Comparison
Banking & Regulatory Coverage
API Integration & Developer Experience
Treasury & Funds Orchestration
Our Ranking Methodology
How we rank these offerings
We ranked these Embedded banking for marketplaces in USA based on three key factors: Banking & Regulatory Coverage (40% weight), API Integration & Developer Experience (35% weight), and Treasury & Funds Orchestration (25% weight). Treasury Prime Payments scored highest due to its extensive API capabilities and strong banking partnerships, while J.P. Morgan Payments followed closely with superior regulatory coverage and robust treasury solutions.
Ranking Criteria Weights:
Frequently Asked Questions
- What are the typical costs and pricing models for embedded banking solutions in marketplaces?
- Pricing models for embedded banking solutions often involve a combination of setup fees, transaction fees, and subscription models. For example, Treasury Prime may charge based on the volume of transactions managed through its platform, while also offering scalable pricing as payment volumes increase. J.P. Morgan Payments may offer customized pricing aligned with enterprise needs, focusing on comprehensive solutions like cross-currency transactions and working capital management. Costs can vary significantly based on the complexity of services, ranging from basic payment processing to advanced financial products like real-time payments and deposit sweeps.
- What are key criteria and considerations for selecting an embedded banking provider?
- When selecting an embedded banking provider, marketplaces need to consider factors such as integration capabilities, range of services, and vendor reputation. Providers like CSI's Open Banking Marketplace offer extensive fintech integrations, which can be crucial for enhancing digital services. It's also crucial to consider compliance capabilities, such as Treasury Prime’s integration with compliance and risk management partners, ensuring regulatory adherence. Decision-makers should evaluate the provider's ability to support scalability, the speed of deployment, and technological compatibility with existing systems.
- What industry standards and compliance issues should be addressed in embedded banking?
- Embedded banking initiatives must comply with regulatory standards such as AML, KYC, data privacy, and payment security. Treasury Prime supports integration with compliance and risk management, ensuring adherence to U.S. financial regulations. Similarly, J.P. Morgan Payments leverages advanced technologies to ensure secure money movements and transactions, complying with industry standards. It's crucial to work with providers who offer built-in compliance solutions and have experience in navigating the complex regulatory landscape.
- What are common implementation challenges companies face with embedded banking solutions, and how can they be addressed?
- Marketplaces often face challenges such as integration difficulties, data management, and maintaining compliance during implementation. Solutions like CSI's Open Banking Marketplace simplify these issues with seamless fintech partner integrations. Additionally, Treasury Prime’s modular infrastructure aids in mitigating integration challenges by allowing banks and fintechs to effectively phase and scale their deployment as needed. Utilizing platforms that offer robust API support can facilitate smoother integration and operation.
- How can marketplaces achieve ROI and value delivery from embedded banking?
- Marketplaces can increase ROI by leveraging embedded banking solutions to enhance customer experiences, streamline operations, and introduce new revenue streams. For instance, integrating J.P. Morgan Payments could enable efficient money movement and access to new markets. Moreover, Treasury Prime's comprehensive payment types support offers marketplaces the flexibility to optimize cash flows and lower transactional costs. The insights provided by solutions like Atomic's Bill Optimization can further enhance financial management by minimizing unnecessary expenses.
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