“Can a developer-first payment facilitator become the embedded finance OS for vertical SaaS and ERP platforms serving B2B merchants?”
Fortis began as a payment facilitator focused on embedded payments for ISV software platforms, offering developer-first APIs and ERP integrations. The company has since expanded from core card-and-ACH processing into adjacent embedded finance products including working capital (Fortis Capital) and B2B AR automation. Its primary go-to-market is through software platform partnerships (ISV channel), embedding payment acceptance into vertical SaaS and ERP workflows rather than serving merchants directly.
Fortis discloses Citizens Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Fortis does not disclose a bank charter of its own; its banking services are provided through Citizens Bank.
Fortis processes payments through Fortis Payment Systems (self-operated). Disclosed money-movement rails: ACH.
Fortis integrates with QuickBooks and Sage.
The Embedded Finance Index 2026 maps 5 layers in Fortis's stack: Payments / PSP (Fortis Payment Systems (self-operated)); Money movement (ACH); Lending (Fortis Capital (merchant cash advance / working capital), Flexible repayment via percentage of daily sales and Fixed daily payment option); Sponsor bank (Citizens Bank); Accounting (QuickBooks and Sage).
Fortis is headquartered in United States.
Get a read on where your own stack stands against Fortis 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.