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← Embedded Finance Index 2026/Banks

Commerce Bank

Bank
BaaSSponsor Bank

Bank tracked in the Embedded Finance Index. Named by 2 companies, most often as their banking-as-a-service.

commercebank.com ↗
TypeBank
Used asBanking-as-a-Service, Sponsor bank
Rank#160 of 340 in BaaS
Buyers2 companies

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How companies use Commerce Bank

2 companies name Commerce Bank in their stack. The most common role is banking-as-a-service (2). A company can use the same bank for more than one thing.

Banking-as-a-Service2
Sponsor bank2
Commerce Bank’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for Commerce Bank. One aggregator connects to its accounts.

Reachable through
Plaid
From Open Banking Tracker’s open dataset, record “Commerce Bank - Online Banking”. Full bank profile on Open Banking Tracker ↗
Who uses Commerce Bank
2 companies disclose Commerce Bank in their stack
Charity ChargePaytient
Buyer mix · 2 of 2 classified
Fintech / SMB banking · 1Vertical SaaS / Healthcare · 1
US · 2
What the disclosures say
Charity Charge
“Commerce Bank publicly lists Charity Charge as a customer on bankingembedded.com (TIER 1 known_customer_listing).”
Paytient
“Paytient issues virtual and physical payment cards (Health Payment Account cards) via a partnership with Commerce Bank.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Commerce Bank? Claim this profile above to unlock your own full list.
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Other banks in BaaS

Other banks named for BaaS in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust71 buyers →Sutton Bank63 buyers →Cross River56 buyers →Pathward48 buyers →ClearBank39 buyers →Thread Bank35 buyers →Community Federal Savings Bank30 buyers →GBank27 buyers →
Share this rank

An embeddable badge for Commerce Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #160 of 340 in BaaS — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/commerce-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/commerce-bank.svg"
       alt="Ranked #160 of 340 in BaaS — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/commerce-bank/install" width="1" height="1" alt="" style="display:none">

Commerce Bank — frequently asked

Which companies use Commerce Bank?

2 companies are linked to Commerce Bank in the Embedded Finance Index 2026, through their own public disclosures or Commerce Bank's published customer list, including Charity Charge and Paytient.

What do fintechs use Commerce Bank for?

Commerce Bank is a bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (2) and sponsor bank (2).

What are the alternatives to Commerce Bank?

The most-named BaaS alternatives to Commerce Bank are Evolve Bank & Trust (71 buyers), Sutton Bank (63 buyers), Cross River (56 buyers), Pathward (48 buyers), ClearBank (39 buyers) and Thread Bank (35 buyers).

Benchmark your own stack

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Get a read on where your own stack stands against Commerce Bank 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 Commerce Bank and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
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