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Goldman Sachs Transaction Banking

Transaction bank
PSPFX / Payouts

Transaction bank tracked in the Embedded Finance Index. Named by 2 companies, most often as their fx & payouts. Sells embedded finance as Goldman Sachs Transaction Banking (TxB).

goldmansachstransactionbanking.com ↗
TypeTransaction bank
OfferingGoldman Sachs Transaction Banking (TxB)
Used asFX & payouts, Payments & acquiring
Rank#79 of 179 in FX / Payouts
Buyers2 companies

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How companies use Goldman Sachs Transaction Banking

2 companies name Goldman Sachs Transaction Banking in their stack. The most common role is fx & payouts (2). A company can use the same bank for more than one thing. Compare it with what Goldman Sachs Transaction Banking says it sells, below.

FX & payouts2
Payments & acquiring1
How Goldman Sachs Transaction Banking sells embedded financeTransaction bank

Goldman Sachs Transaction Banking (TxB) ↗since 2020

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 ↗
What it offers
  • Virtual accounts API. Create and manage virtual accounts for sub-ledgering client funds.
  • Payments API. Rail-agnostic domestic and FX payments across ACH, wire and real-time rails.
  • Real-time ledger. Real-time and intraday balances and transactions.
  • Connectivity. API, SFTP, SWIFT and ERP/TMS integration.
Sells to
corporate treasurersB2B software companiesmid-market companies
Delivery
Direct APIs + middleware · through Modern Treasury
Claims and record
Programs and partners it names
Joint clients embed domestic and international payments powered by TxB (2022).
source ↗
Alegeus
Runs its COBRA business on one account, sub-ledgered with TxB virtual accounts.
source ↗
The bank’s own positioning and claims, checked against its pages 2026-10. Partners named here come from the bank and are not counted as buyer disclosures. Compare how banks sell embedded finance.
Who uses Goldman Sachs Transaction Banking
2 companies disclose Goldman Sachs Transaction Banking in their stack
Goldman SachsMarcus by Goldman Sachs
Buyer mix · 2 of 2 classified
Bank / National · 1Fintech / Consumer banking · 1
US · 2
What the disclosures say
Goldman Sachs
“Goldman Sachs Transaction Banking page notes a single global API sending payments in 120+ currencies into 160+ countries.”
Marcus by Goldman Sachs
“Goldman Sachs Transaction Banking payments product supports 120+ currencies into 160+ countries via in-house multi-rail payment API.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Goldman Sachs Transaction Banking? Claim this profile above to unlock your own full list.
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Other banks in FX / Payouts

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

Banking Circle12 buyers →JPMorgan7 buyers →Deutsche Bank4 buyers →Citi3 buyers →Citibank2 buyers →ClearBank2 buyers →Column Bank2 buyers →Singapore Gulf Bank2 buyers →
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Ranked #79 of 179 in FX / Payouts — Embedded Finance Index 2026
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Goldman Sachs Transaction Banking — frequently asked

Which companies use Goldman Sachs Transaction Banking?

2 companies are linked to Goldman Sachs Transaction Banking in the Embedded Finance Index 2026, through their own public disclosures or Goldman Sachs Transaction Banking's published customer list, including Goldman Sachs and Marcus by Goldman Sachs.

What do fintechs use Goldman Sachs Transaction Banking for?

Goldman Sachs Transaction Banking is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their fx & payouts (2) and payments & acquiring (1).

Does Goldman Sachs Transaction Banking offer embedded finance?

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.

What are the alternatives to Goldman Sachs Transaction Banking?

The most-named FX / Payouts alternatives to Goldman Sachs Transaction Banking are Banking Circle (12 buyers), JPMorgan (7 buyers), Deutsche Bank (4 buyers), Citi (3 buyers), Citibank (2 buyers) and ClearBank (2 buyers).

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