An embedded finance platform lets a software company, marketplace or employer offer payments and accounts inside its own product. Finoserv designs, builds, integrates and runs that layer for you. The accounts, cards and money movement are provided by licensed banks and EMIs, which carry out the regulated activity. Your product presents them in your interface, under your brand, to your customers.
Where embedded finance fits
It works best where money already moves through your product. A payroll tool can pay staff directly. A marketplace can hold seller balances and pay out on settlement. A procurement platform can issue a card per purchase order. In each case the financial feature removes a step your customers currently take somewhere else, and the data stays in one place.
Virtual accounts and a collections platform
Incoming payments are easier to match when each customer or invoice has its own reference. We set up virtual accounts on your partner bank's account structure, then build a collections platform on top: payment requests, direct debit mandates where the local rails offer them, reminders and automatic reconciliation against your ledger. Finance teams can see what is paid, what is late and what needs a call.
Payroll payments and contractor payouts
Payouts need approvals, limits and a clear audit trail. We build bulk and scheduled payouts with maker and checker controls, beneficiary verification and status updates your users can rely on. For cross-border contractor payouts we connect to the same partner types that sit behind our remittance software.
Expense management platform and treasury
Corporate cards issued through a licensed issuer give finance teams spend controls by employee, merchant type and budget. Receipts and accounting codes flow into exports for your customers' bookkeeping. Above that, a treasury management system view shows cash across accounts and currencies, with the sweep rules your partner supports. For card-led products, see card programme management.
How it is delivered
Discover takes two to four weeks and ends in a fixed quote, a partner shortlist and an API design that fits your product. Build follows in two-week cycles, each with a working demo. Your engineers can call our APIs directly, or we can build the screens inside your product with our design and engineering team. After launch, our managed operations team can handle reconciliation, partner reporting and support queues, while regulated decisions stay with your partners.