← Embedded Finance Index 2026

PayKeeper

Can a licensed escrow company become the default conditions-based payments execution engine for construction, marketplaces, and cross-border B2B transactions?

HQSouth Jordan, Utah, USA
IndustryInfrastructure / Payments
The story

PayKeeper began as a licensed Utah escrow company focused on construction fund control — managing disbursements to contractors, subcontractors, and material suppliers conditioned on project milestones. It evolved into a broader 'execution engine for payments,' building a REST API-first platform enabling marketplace and platform customers to embed condition-based escrow at scale. More recently it has expanded into cross-border payments by adding stablecoin settlement rails alongside traditional FX wires, and launched a contractor-facing payment processing product (ACH, card, tap-to-pay), moving from pure escrow infrastructure toward a full payments platform for construction and B2B use cases.

Last 12 months
2026-03
Product timeline
2026
Launched payment processing product for contractors including ACH, credit card, tap-to-pay, and mobile check deposit.· card
Regulated entities
1
regulatory licence held by PayKeeper
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in PayKeeper’s embedded-finance stack
Payments / PSP
PayKeeper Payments (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
Ledger
in the full report
Accounting gap: significant
3 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.