← Embedded Finance Index 2026

Unipaas

“Can a UK-regulated PayFac become the embedded-finance OS for European vertical SaaS platforms?”

Founded2020
HQLondon, United Kingdom
IndustryInfrastructure / Payments

The story

Unipaas launched in 2020 as a white-label payment-facilitation stack aimed at vertical SaaS platforms and marketplaces. It positions itself as a Payment-as-a-Service provider, taking merchant onboarding, KYC/KYB, AML and payout operations off its platform customers. Over time it has layered embedded capital (Unipaas Embed Capital) on top of acceptance, moving from pure PSP to a broader embedded-finance stack for software platforms.

Last 12 months

—

Product timeline

Launched Unipaas Embed Capital for embedded lending (£3k–£1m) to platform users· lending

2020

Unipaas founded in London as embedded payments provider for SaaS platforms· company

2023

Partnership with GoCardless to add bank payments (direct debit + open banking) to its PSP offering across 25+ countries· partnership

Regulated entities

regulatory licences held by Unipaas

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

3 layers disclosed in Unipaas’s embedded-finance stack

Payments / PSP

Unipaas (self-operated)J.P. Morgan Chase American Express Visa Mastercard

Lending

in the full report

Open banking

in the full report

Accounting gap: minor

3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Unipaas — frequently asked

Who is Unipaas's payment processor?

Unipaas processes payments through Unipaas (self-operated), J.P. Morgan Chase, American Express, Visa and Mastercard.

Who provides Unipaas's lending?

Unipaas's lending and capital products are provided by Unipaas Capital Embed (in-house).

Which open banking provider does Unipaas use?

Unipaas connects to bank accounts through GoCardless.

What is Unipaas's embedded finance stack?

The Embedded Finance Index 2026 maps 3 layers in Unipaas's stack: Payments / PSP (Unipaas (self-operated), J.P. Morgan Chase, American Express, Visa and 1 other); Lending (Unipaas Capital Embed (in-house) and Unipaas Embed Capital); Open banking (GoCardless).

Where is Unipaas headquartered?

Unipaas is founded in 2020 and headquartered in London, United Kingdom.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Unipaas 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 Unipaas 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.