ApideckTape
← Embedded Finance Index 2026

Payment Approved

IndustryFintech / SMB banking
The stack
2 layers disclosed in Payment Approved’s embedded-finance stack
Banking / BaaS
Cross River
Sponsor bank
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Payment Approved — frequently asked

What bank does Payment Approved use?

Payment Approved discloses Cross River as its banking provider, with Cross River Bank, N.A. as its sponsor bank, according to the Embedded Finance Index 2026.

Is Payment Approved a bank?

Payment Approved does not disclose a bank charter of its own; its banking services are provided through Cross River Bank, N.A..

What is Payment Approved's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Payment Approved's stack: Banking / BaaS (Cross River); Sponsor bank (Cross River Bank, N.A.).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Payment Approved 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.

  • Your category, mappedHow your stack compares to Payment Approved and the other companies in its category.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.