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← Embedded Finance Index 2026/Banks

JPMorgan Chase Bank

Transaction bank
BaaSCard IssuingSponsor BankPSPLendingFX / Payouts

Transaction bank tracked in the Embedded Finance Index. Named by 9 companies, most often as their banking-as-a-service. Sells embedded finance as J.P. Morgan Payments Embedded Finance.

jpmorganchasebank.com ↗
TypeTransaction bank
OfferingJ.P. Morgan Payments Embedded Finance
Used asBanking-as-a-Service, Card issuer, Sponsor bank
Rank#54 of 340 in BaaS
Buyers9 companies

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How companies use JPMorgan Chase Bank

9 companies name JPMorgan Chase Bank in their stack. The most common role is banking-as-a-service (7). A company can use the same bank for more than one thing. Compare it with what JPMorgan Chase Bank says it sells, below.

Banking-as-a-Service7
Card issuer3
Sponsor bank3
FX & payouts1
Lending partner1
Payments & acquiring1
How J.P. Morgan sells embedded financeTransaction bank

J.P. Morgan Payments Embedded Finance ↗

J.P. Morgan sells embedded finance as a single-provider, end-to-end suite: marketplaces and platforms onboard users and accept, hold and pay out funds without leaving the platform. Its pitch is the stability of a bank with the flexibility of a technology company.

“Accept, manage and transfer funds with frictionless, end-to-end solutions embedded directly into your existing ecosystem.”
jpmorgan.com ↗
What it offers
  • Digital onboarding. KYC-ready onboarding of the platform's end customers.
  • Payment accounts. Seller wallets and payment accounts held at the bank.
  • Acceptance. Pay-ins embedded in the platform's checkout.
  • Payouts. Global payouts across rails and currencies.
  • Embedded Payments API. APIs, widgets and the Payments Developer Portal.
Sells to
marketplacessoftware platformsmerchantscorporates
Delivery
Direct APIs + middleware · through Modern Treasury
Claims and record
Programs and partners it names
Walmart Marketplace
Seller wallet: onboarding, acceptance, cash management and payouts (2025).
source ↗
SMB credit access through API-based sub-ledgering.
source ↗
Services behind Amazon Seller Wallet (reported by American Banker).
source ↗
Payments Partner Network: enterprises embed payments on J.P. Morgan accounts.
source ↗
Accenture
First system integrator in the Payments Partner Network (2024).
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 JPMorgan Chase Bank
9 companies disclose JPMorgan Chase Bank in their stack
Finn by ChaseMelioGreenskyMonerepayJPMorgan Workplace SolutionsOrumJ P MorganJPMorgan ChaseCaterease
Buyer mix · 9 of 9 classified
Bank / National · 2Fintech / Consumer banking · 1Fintech / Lending · 1Fintech / Payments · 1Fintech / SMB banking · 1Infrastructure / Payments · 1Vertical SaaS / Hospitality · 1Vertical SaaS / HR & Equity Compensation · 1
US · 9
What the disclosures say
Finn by Chase
“Finn by Chase operated as a product of JPMorgan Chase Bank, N.A.; payment rails would have been in-house Chase infrastructure.”
Melio
“Intuit QBO terms (qbousers.meliopayments.com/terms.html): 'Melio's current bank providers include JPMorgan Chase Bank, N.A., Evolve Bank & Trust and Silicon Valley Bank.'”
Greensky
“Bank partners (Goldman Sachs Bank USA, Midland States Bank, Synovus Bank, Fifth Third Bank, JPMorgan Chase Bank, BMO Harris Bank) fund the loans; GreenSky is the technology platform and servicer.”
Monerepay
“bankingembedded.com publicly lists JPMorgan Chase Bank and First Federal Bank as Monerepay banking partners (TIER 1 known_customer_listings). monerepay.com/payment-gateway states PCI Level 1 certified gateway with tokenized vault, interchange optimization, recurring billing, and electronic invoicing.”
Orum
“JPMorgan Chase Bank publicly lists Orum as a customer at https://www.bankingembedded.com/companies/orum (TIER 1 known_customer listing).”
View source · bankingembedded.com ↗
JPMorgan Chase
“Chase Card Funding LLC and Chase Issuance Trust prospectuses identify JPMorgan Chase Bank, N.A. as sponsor/originator/administrator/servicer of the credit-card program.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent JPMorgan Chase 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 JPMorgan Chase 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 #54 of 340 in BaaS — Embedded Finance Index 2026
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JPMorgan Chase Bank — frequently asked

Which companies use JPMorgan Chase Bank?

9 companies are linked to JPMorgan Chase Bank in the Embedded Finance Index 2026, through their own public disclosures or JPMorgan Chase Bank's published customer list, including Finn by Chase, Melio, Greensky, Monerepay, JPMorgan Workplace Solutions, Orum, J P Morgan, JPMorgan Chase and Caterease.

What do fintechs use JPMorgan Chase Bank for?

JPMorgan Chase Bank is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their banking-as-a-service (7), card issuer (3) and sponsor bank (3).

Does JPMorgan Chase Bank offer embedded finance?

Yes, as J.P. Morgan Payments Embedded Finance. J.P. Morgan sells embedded finance as a single-provider, end-to-end suite: marketplaces and platforms onboard users and accept, hold and pay out funds without leaving the platform. Its pitch is the stability of a bank with the flexibility of a technology company.

What are the alternatives to JPMorgan Chase Bank?

The most-named BaaS alternatives to JPMorgan Chase 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).

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