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FIS

Provider
Card IssuingPSPCrypto / StablecoinSpend / AP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 6 companies across 4 categories.

fis.com ↗Also analysed as a company — its own stack →
CategoriesCard Issuing, PSP, Crypto / Stablecoin, Spend / AP
Rank#75 of 528 in PSP
Buyers6 companies
HeadquartersJacksonville, Florida, United States
Founded1968
TickerNYSE:FIS
Market cap~$35B
IPO2001

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Founders & story · from FIS’s own dossier

FIS is a legacy core-banking and capital markets technology provider (Fidelity National Information Services) that has progressively pivoted toward embedded finance for banks. It has assembled the stack through partnerships (Jifiti for embedded lending, Modulr for the Money Movement Hub) and acquisitions (Railz for accounting data, Numerated for real-time lending). After the Worldpay merger and subsequent spin-off, FIS has refocused on bank technology and is positioning Money Movement Hub plus embedded lending as its modern embedded-finance offer to its bank customer base.

Recent developments
  • 2026-01Modulr partnered with FIS to enter the US market, providing the underlying technology for FIS's Money Movement Hub. source ↗
  • 2023-05-01Launched embedded lending services offering with Jifiti source ↗
  • 2023-06-09Acquired fintech infrastructure startup Bond source ↗
  • 2024-05-13Unveiled embedded finance platform Atelio (based on the Bond acquisition); enables deposits, money movement, card issuance. source ↗
Acquisitions
Global Payments Issuer Solutions (TSYS)2026
Completed its $13.5B acquisition of Global Payments' Issuer Solutions (card-issuer processing) business, expanding banking/issuer-processing.
Bond Financial Technologies2023
Acquired the banking-as-a-service startup Bond to close a gap in its embedded-finance offering (cards/accounts via APIs).
Payrix2022
Acquired the embedded-payments provider Payrix to bring payfac-as-a-service to SaaS platforms serving SMB merchants.
Worldpay2019
Completed its ~$43B acquisition of merchant-acquirer Worldpay (FIS later divested a 55% majority stake in 2024).
SunGard2015
Acquired financial-software firm SunGard, expanding into capital-markets technology.
Metavante Technologies2009
Acquired the banking/payments technology provider Metavante, expanding core-banking and payment-processing scale.
eFunds2007
Acquired eFunds, adding electronic payments, risk management and government/prepaid processing.
Certegy2006
Formed the modern FIS payments franchise via its 2006 merger with card-processing/check-services firm Certegy.
Full dossier: FIS’s own stack, layer by layer →
The FIS family
95 companies use the FIS family
Unique buyers across 3 brands FIS owns, deduped (a company using more than one is counted once). The per-brand rows below don’t add up to this total for that reason.
Worldpay88
subsidiary
FISPARENT6
Worldpay from FIS1
subsidiary
Who uses FIS
6 companies disclose FIS in their stack
AfinzReynolds and ReynoldsQuontic BankRestaurant365Neural PaymentsCex Io
Buyer mix · 6 of 6 classified
Bank / Community · 1Fintech / Crypto · 1Fintech / SMB banking · 1Infrastructure / Payments · 1Vertical SaaS / Automotive Dealerships · 1Vertical SaaS / Restaurants · 1
US · 4LATAM · 1EU · 1
What the disclosures say
Quontic Bank
“IBS Intelligence: 'FIS has announced partnering with Quontic Bank... to launch its Bitcoin Rewards Checking account' — FIS powers debit card processing including Apple Pay/Google Pay/Samsung Pay and Zelle P2P.”
Restaurant365
“R365 ACH Scope of Work (restaurant365.com/wp-content/uploads/2024/11/R365-ACH-SOW-6.25.24.pdf) states 'Payments are processed through a US financial institution ("Banking Partner") and an integrated payables solution in conjunction with our payment processor ("Processing Partner").' R365 Payments Vendor Enrollment docu…”
Neural Payments
“Subprocessors page at trust.neuralpayments.com lists PayPal as 'Payment Endpoint Solution' and FIS Global as 'FIS-NYCE Payment Processing service'.”
Cex Io
“IBS Intelligence publicly lists CEX.IO as an FIS card management and processing customer.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent FIS? Claim this profile above to unlock your own full list.
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What FIS runs on · from its own dossier
The third-party providers FIS itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose FIS.
FX / Payouts
Modulr
Accounting API
Railz
Full dossier with evidence for each layer →
Alternatives to FIS

Other PSP providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Stripe782 buyers →Adyen317 buyers →PayPal153 buyers →Checkout.com114 buyers →Worldpay88 buyers →Mollie63 buyers →checkout60 buyers →Braintree57 buyers →
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Ranked #75 of 528 in PSP — Embedded Finance Index 2026
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FIS — frequently asked

Which companies use FIS?

6 companies are linked to FIS in the Embedded Finance Index 2026, through their own public disclosures or FIS's published customer list, including Afinz, Reynolds and Reynolds, Quontic Bank, Restaurant365, Neural Payments and Cex Io.

What does FIS do?

FIS is an embedded-finance provider in Card Issuing, PSP, Crypto / Stablecoin and Spend / AP. It ranks #75 of 528 PSP providers by linked companies.

Is FIS publicly traded?

Yes. FIS trades as NYSE:FIS, listed since 2001.

What are the alternatives to FIS?

The most-named PSP alternatives to FIS are Stripe (782 buyers), Adyen (317 buyers), PayPal (153 buyers), Checkout.com (114 buyers), Worldpay (88 buyers) and Mollie (63 buyers).

Where is FIS headquartered?

FIS is founded in 1968 and headquartered in Jacksonville, Florida, United States.

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