Transaction bank tracked in the Embedded Finance Index. Named by 3 companies, most often as their card issuer. Sells embedded finance as Goldman Sachs Transaction Banking (TxB).
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3 companies name Goldman Sachs in their stack. The most common role is card issuer (2). A company can use the same bank for more than one thing. Compare it with what Goldman Sachs says it sells, below.
TxB presents itself as an API-first, cloud-native transaction bank for the modern treasurer. Embedding payments into clients' software is a stated use case through virtual accounts, the payments API and Modern Treasury, but Goldman no longer markets a standalone embedded-finance or BaaS product.
“Embedding payments into software products is increasingly the trajectory of commerce, and by partnering with Modern Treasury, we are creating new opportunities for clients to seamlessly leverage our payments capabilities within their own platforms.”moderntreasury.com ↗
Open Banking Tracker has no developer portal on file for Goldman Sachs. One aggregator connects to its accounts.
Goldman Sachs launched Marcus in 2016 as an ambitious direct-to-consumer digital bank, expanding into credit cards (Apple Card, GM Card), merchant lending (Amazon partnership), and installment finance (MarcusPay). By 2022–2023 the consumer banking push was broadly acknowledged as a costly strategic misstep, with the firm booking billions in losses on its consumer segment. Goldman pivoted back toward its institutional and corporate core, winding down Marcus consumer products and doubling down on Transaction Banking (TxB) — an API-first platform serving corporate treasurers — and on its Enterprise Partnerships model, which embeds Goldman's financial products (credit cards, savings) inside third-party ecosystems like Apple and Amazon.
Other banks named for Card Issuing in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Goldman Sachs’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.
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<img src="https://www.embeddedfinanceindex.com/api/badge/goldman-sachs/install" width="1" height="1" alt="" style="display:none">3 companies are linked to Goldman Sachs in the Embedded Finance Index 2026, through their own public disclosures or Goldman Sachs's published customer list, including Primary, Apple Pay and Apple.
Goldman Sachs is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their card issuer (2), banking-as-a-service (1) and sponsor bank (1).
Yes, as Goldman Sachs Transaction Banking (TxB). TxB presents itself as an API-first, cloud-native transaction bank for the modern treasurer. Embedding payments into clients' software is a stated use case through virtual accounts, the payments API and Modern Treasury, but Goldman no longer markets a standalone embedded-finance or BaaS product.
The most-named Card Issuing alternatives to Goldman Sachs are Sutton Bank (21 buyers), Pathward (16 buyers), Evolve Bank & Trust (9 buyers), Celtic Bank (8 buyers), Community Federal Savings Bank (8 buyers) and Thread Bank (8 buyers).
Goldman Sachs was founded by Marcus Goldman and Samuel Sachs and is founded in 1869, headquartered in New York, NY, USA.
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