“Can a Stripe-native payments app become the financial operating system for independent home-service professionals?”
ScanPay (legally StorePay, Inc., d/b/a ScanPay) is a fintech-enabled payments platform targeting mobile, on-site field service professionals — contractors, HVAC technicians, locksmiths, plumbers — who need to collect payments without a card reader. The company built its stack almost entirely on top of Stripe, using Stripe Payments for acquiring, Stripe Treasury for business deposit accounts (funds held at Fifth Third Bank), and Stripe Issuing for a co-branded Visa commercial card issued by Celtic Bank. Embedded lending (merchant capital via Lendica and consumer financing via Sunbit and Klarna) was added to increase revenue per merchant and reduce checkout abandonment on large-ticket jobs.
Scanpay discloses Stripe Treasury as its banking provider, according to the Embedded Finance Index 2026.
Scanpay does not disclose a bank charter of its own; its banking services are provided through Stripe Treasury.
Scanpay processes payments through Stripe.
Scanpay's cards are issued through Stripe Issuing.
Scanpay's lending and capital products are provided by Lendica.
The Embedded Finance Index 2026 maps 6 layers in Scanpay's stack: Payments / PSP (Stripe); Banking / BaaS (Stripe Treasury); Card issuing (Stripe Issuing); Lending (Lendica, PayLater (A/P finance / working capital), Consumer installment financing (Sunbit) and Consumer installment financing (Klarna)); Spend / AP (Stripe Issuing); Treasury (Stripe Treasury and Fifth Third Bank N.A.).
Scanpay is headquartered in Redwood City, California, USA.
Get a read on where your own stack stands against Scanpay 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.