“Can an ATM and payment services company expand its merchant relationships into a full-stack embedded finance offering?”
NationalLink began as an ATM deployment and cash management company serving hospitality, retail, and commercial locations across the United States. Over time, the company expanded its financial services offering beyond ATMs to include full-spectrum merchant payment processing under the NationalLink Payments brand, encompassing credit card processing, POS systems, and e-commerce solutions. The addition of merchant cash advance signals a move toward becoming a broader embedded finance provider for its merchant base, leveraging its existing relationships.
Nationallink discloses Pathward as its banking provider, with Chesapeake Bank as its sponsor bank, according to the Embedded Finance Index 2026.
Nationallink does not disclose a bank charter of its own; its banking services are provided through Chesapeake Bank.
The Embedded Finance Index 2026 maps 3 layers in Nationallink's stack: Banking / BaaS (Pathward); Lending (Merchant Cash Advance); Sponsor bank (Chesapeake Bank).
Nationallink is headquartered in United States.
Get a read on where your own stack stands against Nationallink 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.