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Launch financial services on your platform

Become the one-stop shop for your customer's financial needs by embedding financial services into your platform, including accounts, cards and financing. Companies such as Shopify and Housecall Pro offer embedded financial services – tailored specifically to their core users – to attract and retain more customers, add new lines of revenue and improve their customer experience.

Differentiate your platform

Build cohesive financial services for your customers

Small businesses are struggling with acute pain points around issues like cash flow challenges. Your platform can be part of the solution, generating more user trust and revenue along the way by offering services tailored for your customers with more flexibility than traditional providers. Enable customers to earn, store, manage and move money – all without leaving your platform.

Let your customers accept online and in-person payments

Integrate payments into your platform for a seamless user experience – from onboarding to payments acceptance to payouts.

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Provide businesses with access to capital

Launch a complete financing programme in as little as five minutes to give eligible customers easy access to financing and help them grow their businesses.

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Allow your customers to store and spend funds

Create financial accounts for your customers that are eligible for FDIC pass-through and can support ACH and electronic transfers.

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Issue cards for access to funds in seconds

Give business owners, contractors and freelancers fast access to their earnings via virtual and physical cards.

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Grow your business

Make financial products part of your offering

Embedded finance can drive growth, boost user engagement, increase loyalty and add new revenue streams on top of subscriptions. Stripe's suite of financial solutions is the fastest way to add these features to your platform.

Build a one-stop money movement destination

Enhance your software with financial services so that customers can manage all aspects of their business on your platform.

Win and retain more customers

Embed customised financial services that keep customers engaged and differentiate your platform from competitors. Larger platforms on Stripe report an 80% customer retention rate on their embedded finance offerings.

Increase revenue

Add new revenue streams on top of your existing business by monetising payments, card interchange and financing fees. Platforms using Stripe's embedded financial services are seeing a 40% increase in customer lifetime value.

Learn more about embedded finance

Platforms are launching new offerings and experiences with embedded finance solutions from Stripe and our bank partners. Watch the breakout from Sessions '25 to learn how embedded finance works and what you need to get started.

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Product resources

Mastering embedded finance: The platform lending opportunity

How it works

The fastest way to meet your customer's financial needs

Stripe is the most streamlined way to build financial service offerings on your platform. We handle the fundamentals – such as backend compliance requirements, bank partner negotiations and infrastructure – so you can focus on creating tailored experiences for your customers. Go beyond payments by offering a fully compliant business financing programme in as little as five minutes.

A complete suite of financial products

Stripe enables you to build the services you need without integrating multiple technology partners – whether for payments, cash advances and loans, financial accounts, cards or all of the above.

Developer-friendly APIs

We provide intuitive onboarding, APIs, docs and integration processes so that you can get started without significant up-front – or ongoing – investment or resources.

Global scale and reliability

Stripe enables payments for millions of businesses – including many of the world's biggest platforms. The same reliable infrastructure powers our embedded finance offerings.

Streamlined compliance

We make it easy for you to onboard and support customers while we handle complicated backend compliance requirements.

Case studies

Shopify uses Stripe to provide merchants with flexibility and control

Shopify is a leading global commerce company, providing trusted tools to start, grow, market, and manage a retail business of any size. With Shopify Balance, merchants can manage their funds, pay bills and track expenses. This gives them easier access to financial products and greater control over their business.

Challenge

Financial services are an essential part of running a business, but most financial services aren't designed for the needs of independent business owners.

Solution

Shopify Balance offers Shopify merchants a fast, simple and integrated way to manage their funds. Built on Stripe Issuing and Treasury for platforms, Shopify Balance gives users access to key products – all within Shopify.

Products

By building across Stripe's payments and embedded finance infrastructure, we've been able to give Shopify merchants access to critical financial products that meet their needs, like faster access to funds and rewards, helping them further grow their businesses.

Tui Allen, Senior Product Lead for Banking at Shopify

Lopay enables its users to keep more of their profits with Stripe Issuing

The UK-based platform Lopay lowers costs and improves cash flow for small businesses with a payment processing app that delivers faster payouts and lower processing fees than the competition. Read more.

Challenge

Many consumers prefer using debit, credit cards or digital wallets. However, business owners face processing fees and typically wait three days for payouts to appear in their bank accounts. These fees and delays strain small business owners, who often lack cash flow to manage overhead.

Solution

Lopay recognised that small businesses needed faster payout options. In just six days, they launched a Lopay Visa rewards card using Stripe Issuing. Payments instantly reflect on the card balance, and users earn rewards points to offset processing fees. With Issuing supporting contactless payments, users can link their cards to digital wallets for Tap to Pay usage.

Products

Tekion sees 90% of customers adopt its Stripe-powered embedded payments solution

Tekion is the first cloud-native automotive retail management platform that simplifies and modernises the vehicle purchase and service experience for car dealerships and their customers. Tekion partnered with Stripe in 2021 to launch Tekion Pay.

Challenge