“Can a single FCA-authorised payments infrastructure provider become the definitive settlement, virtual account, FX and SWIFT access layer for regulated fintechs, PSPs and banks operating across the UK, EU and global corridors?”
Founded in 2016, Clear Junction positioned itself as B2B payments infrastructure for regulated financial institutions — PSPs, EMIs, open banking vendors, fintechs and banks — rather than a consumer-facing product. The company built proprietary rails for UK and EU payment schemes (Faster Payments, CHAPS, SEPA, SEPA Instant, Bacs) and added virtual IBAN issuance for reconciliation at scale. In 2025 it significantly expanded its SWIFT/multi-currency and FX offering to enable full two-way international connectivity, cementing its role as a single-partner settlement and treasury infrastructure provider for licensed financial institutions operating cross-border.
Clear Junction discloses Clear Junction Limited (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Clear Junction does not disclose a bank charter of its own; its banking services are provided through Clear Junction Limited (in-house).
Clear Junction processes payments through Clear Junction (self-operated). Disclosed money-movement rails: SWIFT, SEPA Instant, SEPA and Faster Payments.
Clear Junction uses Clear Junction (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Clear Junction's stack: Payments / PSP (Clear Junction (self-operated)); Money movement (SWIFT, SEPA Instant, SEPA and Faster Payments); Banking / BaaS (Clear Junction Limited (in-house)); FX & payouts (Clear Junction (self-operated)).
Clear Junction is founded in 2016 and headquartered in London, England, United Kingdom.
Get a read on where your own stack stands against Clear Junction and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.