“Can Wix evolve from a website-builder platform into the full financial and operational OS for SMB merchants globally?”
Wix started as a pure-play DIY website builder in 2006, becoming one of the world's largest SaaS platforms with over 220 million users. Over time, it expanded into e-commerce and business management tooling, launching Wix Payments to capture payment processing revenue from its merchant base. In 2025, Wix made its most significant embedded finance move by launching Wix Checking (a business checking account powered by Unit) and Wix Capital (merchant cash advances), signalling a deliberate move toward becoming the financial OS for SMB merchants on its platform.
Wix discloses Unit as its banking provider, according to the Embedded Finance Index 2026.
Wix does not disclose a bank charter of its own; its banking services are provided through Unit.
Wix processes payments through Wix Payments (self-operated) and Adyen.
Wix's lending and capital products are provided by Unit.
Wix integrates with QuickBooks and Xero.
The Embedded Finance Index 2026 maps 4 layers in Wix's stack: Payments / PSP (Wix Payments (self-operated) and Adyen); Banking / BaaS (Unit); Lending (Unit and Wix Capital (merchant cash advance)); Accounting (QuickBooks and Xero).
Wix is founded in 2006 and headquartered in Tel Aviv, Israel (listed on NASDAQ: WIX).
Get a read on where your own stack stands against Wix 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.