← Embedded Finance Index 2026/Vendor

Outpave

Provider

Embedded-finance supplier tracked in the Embedded Finance Index — no company has publicly disclosed it yet. Filed under Infrastructure / Spend Management (white-label).

outpave.com ↗Also analysed as a company — its own stack →
Buyersnone disclosed yet
HeadquartersFrisco / McKinney, Texas, USA
Founded2023
FoundersZach Ahlstedt (CEO), David Cauthron (CTO)
Raised$1.2M
Supplier profile · from Outpave’s own dossier

Outpave started in 2023 as a direct-to-SMB spend management product aimed at trades, contractors, property managers, and field services — business debit cards, expense tracking, bill pay, and invoicing on top of Stripe Issuing + Stripe Treasury. By 2026 the company had pivoted into a white-label 'financial applications' platform: the same card + expense + bill pay + invoicing stack, but built and operated in the customer's brand for vertical SaaS, marketplaces, OTAs, ERPs, and banks/credit unions. Outpave-for-business continues as the reference implementation of its own platform. Sept 2026: pivoted from a direct spend-management product for trades/construction SMBs to a white-label embedded-finance application layer for platforms ("Outpave Platform"), provider-agnostic on issuing.

Founders: Zach Ahlstedt (CEO), David Cauthron (CTO)
Latest round: Seed, 2024 · Investors: Fritz-Pak Corporation
Key signals
  • Sept 2026 relaunch: from direct SMB spend management to a white-label embedded-finance application layer for platforms, banks and fintechs — Outpave is now a supplier as well as a buyer.
  • Provider-agnostic issuing: the platform pitch says 'through your issuing provider'; Outpave's own program runs on Stripe Issuing/Treasury with Celtic Bank and Fifth Third.
  • Astrada powers connected-card (BYOC) transaction monitoring across Visa, Mastercard and Amex.
  • SOC 2 'ready', not certified (security page, Sept 2026).
  • Accounting connectivity is bought, not built: Apideck (unified accounting API) sits behind the QuickBooks/Xero/Sage sync — provider-attested, no public disclosure yet.
Recent developments
  • 2026-06Updated privacy policy discloses Astrada as transaction-enrichment provider for 'bring your own card' offering. source ↗
  • 2026Website repositioning to white-label financial applications platform with SDK. source ↗
  • 2026-09Relaunched as 'Outpave Platform': white-label financial applications (cards and issuing, expense, bill pay, invoicing, rewards, ledger) built and operated for software companies, marketplaces, banks and fintechs, run on the customer's own issuing provider. 'Outpave for business' (the direct product launched 2023) becomes the first program on the platform. source ↗
  • 2026-06Bring-your-own-card: connected third-party Visa, Mastercard and Amex cards monitored via Astrada, Inc. (Account Linking Terms effective 22 June 2026; Privacy Policy updated 9 June 2026). source ↗
Full dossier: Outpave’s own stack, layer by layer →
Who uses Outpave
No disclosed buyers yet — no dossier in the Index names Outpave in its stack so far
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Outpave? This profile opens for claiming as soon as the first company discloses Outpave in its stack — or send us a public customer page and we will add the disclosure.