San Francisco · founded 2017
Business banking, corporate cards, payables and the data integrations that tie them to the books: what B2B fintechs disclose and who they build on.
B2B fintechs sell money movement to other businesses: accounts, cards, bill pay, payroll and treasury. Their stacks are deeper than most, because their products often need their own bank, processor or licence behind them.
They also live or die on integrations with accounting systems, because a business account that does not reconcile is a support ticket. This guide counts both.
The share of B2B fintechs whose public disclosures name each financial layer, and the providers named most often. Layer names link to the full leaderboard; provider names link to the provider’s page.
Cross River is named by 7 of the 166 that use a provider, ahead of Evolve Bank & Trust and Sutton Bank. No provider holds more than an eighth of it. 12 run it on their own licence or in-house.
Stripe is named by 46 of the 107 that use a provider, ahead of Adyen and Checkout.com. One provider holds 43% of the layer. 31 run it on their own licence or in-house.
Cross River is named by 8 of the 122 that use a provider, ahead of Evolve Bank & Trust and WebBank. No provider holds more than an eighth of it.
WebBank is named by 3 of the 35 that use a provider, ahead of Cross River and First National Bank of Omaha. 82 run it on their own licence or in-house.
Marqeta is named by 8 of the 90 that use a provider, ahead of Adyen and American Express Sync. No provider holds more than an eighth of it. 8 run it on their own licence or in-house.
Plaid is named by 33 of the 94 that use a provider, ahead of Apideck and GoCardless.
Airwallex is named by 8 of the 50 that use a provider, ahead of Currencycloud and Nium. 6 run it on their own licence or in-house.
BILL is named by 4 of the 18 that use a provider, ahead of Pleo and Airwallex. 12 run it on their own licence or in-house.
Check is named by 3 of the 12 that use a provider, ahead of Gusto Embedded. 17 run it on their own licence or in-house.
Alloy is named by 3 of the 25 that use a provider, ahead of footprint and Onfido.
Companies rarely stop at one layer: 61% of B2B fintechs run two or more. These are the layers that travel together most strongly, compared with companies that don’t run the first one.
Six B2B fintechs with deep public stacks. “Own” marks a layer the company runs itself. Each card links to the full dossier.
Business accounts need a bank behind them. In Europe several B2B fintechs run on an e-money platform or their own licence; in the US the account sits at a partner bank, reached directly or through an API or BaaS layer.
In the data: 44% of B2B fintechs disclose accounts. Most named: Cross River (7), Evolve Bank & Trust (6), Sutton Bank (6). See the layer · full leaderboard
Card programs earn interchange, often the main revenue line for spend-management products. The issuer processor and the bank are often different companies.
In the data: 24% of B2B fintechs disclose cards. Most named: Marqeta (8), Adyen (4), American Express Sync (4). See the layer · full leaderboard
Syncing transactions, bills and receipts to accounting systems is table stakes for business finance. Unified accounting APIs and open-banking aggregators cover it without building one integration per system.
In the data: 23% of B2B fintechs disclose data connectivity. Most named: Plaid (33), Apideck (9), GoCardless (7). See the layer · full leaderboard
How this is counted: 404 B2B fintechs in the Embedded Finance Index, each with a dossier built from its own public disclosures. A company counts for a layer when it names a provider for it or runs it in-house; a company that discloses nothing about a layer is not counted, so every share is a floor. Provider spellings are merged. Data as of 2026-11-14. See also embedded finance statistics and every leaderboard.
Of the 404 B2B fintechs in the Embedded Finance Index, 107 name a payments provider. The most named are Stripe (46), Adyen (16), Checkout.com (11), PayPal (11), GoCardless (5).
accounts (44%), payments (31%), a sponsor bank (30%), lending (27%), counted from public disclosures of 404 B2B fintechs. 61% run two or more layers.
Companies that run accounts are 4.5 times as likely to also offer FX and payouts: 24% of them do, against 5% of the B2B fintechs that don't run accounts.
Each company in the Embedded Finance Index has a dossier built from its own public disclosures: website, documentation, terms, filings and press. A company counts for a layer when it names a provider for it or runs it in-house. Companies that disclose nothing about a layer are not counted for it, so every share is a floor. Data as of 2026-11-14.