← Embedded Finance Index 2026

Aplos

“Can a fund-accounting SaaS become the complete financial operating system for nonprofits and churches by embedding donation payments and reporting?”

Founded2009
HQFresno, California, United States
FoundersDan Kelly, Tim Goetz
Total raised$7.3M
IndustryVertical SaaS / Nonprofits & Churches

The story

Aplos started in 2009 as a desktop fund accounting tool for nonprofits, then relaunched in 2011 as a SaaS platform. Over 15 years it broadened from pure accounting into a full nonprofit / church back-office — adding online donations, CRM, communications, and (via AplosPay powered by Stripe) embedded payments. It remains a small, focused vertical SaaS for the nonprofit and church sector.

Last 12 months

—

Product timeline

2009

Aplos founded in Fresno, CA by Dan Kelly and Tim Goetz to serve nonprofits with affordable fund accounting.· pivot

2011

Launched web-based fund accounting SaaS for small and mid-sized nonprofits and religious organizations.· banking

2014

Launched online donations, CRM, and communication tools.· banking

2016

Fueled growth with additional investment.· pivot

The stack

2 layers disclosed in Aplos’s embedded-finance stack

Payments / PSP

Stripe

KYC

in the full report

Accounting gap: none

1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Aplos — frequently asked

Who is Aplos's payment processor?

Aplos processes payments through Stripe.

Which KYC provider does Aplos use?

Aplos uses Stripe (KYC via merchant onboarding) for KYC and identity verification.

What is Aplos's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Aplos's stack: Payments / PSP (Stripe); KYC (Stripe (KYC via merchant onboarding)).

Who founded Aplos?

Aplos was founded by Dan Kelly and Tim Goetz and is founded in 2009, headquartered in Fresno, California, United States.

How much funding has Aplos raised?

Aplos has raised $7.3M in total.

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