“Can vertical SaaS platforms own the full financial relationship with their SMB customers — payments, payables, lending, insurance — through a single embedded infrastructure instead of stitching together Stripe, a BaaS, and point solutions?”
Founded in 2020 in St. Paul as BlankMetal, JustiFi positioned itself as an embedded fintech operating system for vertical SaaS platforms — starting with payment facilitation and expanding into a broader suite covering payables, embedded lending / BNPL, and embedded insurance orchestrated through a single API and 'Unified Fintech Checkout'. The company operates as a registered PayFac in the US (sponsored by First-Citizens Bank & Trust) and as a registered ISO in Canada (Wells Fargo / First Data), positioning itself as the platform-of-record rather than a reseller of Stripe/Adyen.
JustiFi discloses First-Citizens Bank & Trust Company and Wells Fargo as its sponsor banks, according to the Embedded Finance Index 2026.
JustiFi does not disclose a bank charter of its own; its banking services are provided through First-Citizens Bank & Trust Company and Wells Fargo.
JustiFi processes payments through JustiFi (self-operated PayFac), First-Citizens Bank & Trust Company, Wells Fargo, First Data, justifi and checkout. Disclosed money-movement rails: ACH.
JustiFi uses LexisNexis Risk Solutions and IDology for KYC and identity verification.
JustiFi's lending and capital products are provided by JustiFi (orchestration layer).
JustiFi connects to bank accounts through Plaid.
The Embedded Finance Index 2026 maps 6 layers in JustiFi's stack: Payments / PSP (JustiFi (self-operated PayFac), First-Citizens Bank & Trust Company, Wells Fargo, First Data and 2 others); Money movement (ACH); Lending (JustiFi (orchestration layer), Embedded Lending (SMB & Consumer), Buy Now Pay Later and Unified Fintech Checkout BNPL toggle); Open banking (Plaid); KYC (LexisNexis Risk Solutions and IDology); Sponsor bank (First-Citizens Bank & Trust Company and Wells Fargo).
JustiFi is founded in 2020 and headquartered in Saint Paul, Minnesota, USA.
Get a read on where your own stack stands against JustiFi 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.