← Embedded Finance Index 2026/Vendor

Paynetics

Provider
BaaSPSPCard IssuingFX / Payouts

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 8 companies across 4 categories.

paynetics.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesBaaS, PSP, Card Issuing, FX / Payouts
Rank#54 of 322 in BaaS
Buyers8 companies
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In the press
embeddedfinancereview.com ↗
Coverage of Paynetics sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2025-11-12
Viber Pay Switches Infrastructure Provider to Paynetics
Viber Pay switches from Rapyd to Paynetics for embedded finance infrastructure across seven European markets, bringing Visa virtual cards to 1 million+ users.
Source · Embedded Finance Review ↗
Who uses Paynetics
8 companies disclose Paynetics in their stack
Tell MoneyThamesViber PayViberRakuten ViberNumarqePayhawkSwiipr
Buyer mix · 8 of 8 classified
Fintech / Consumer banking · 2Horizontal SaaS / Spend Management · 2Horizontal SaaS / Messaging & Super App · 1Infrastructure / Open banking · 1Utilities / Water · 1Vertical SaaS / Aviation · 1
UK · 5EU · 3
What the disclosures say
Thames
“The known_customer_listings hit (ibsintelligence.com) references 'Thames Technology' — a card production/personalisation company — selected by Paynetics for card production in Europe.”
Viber Pay
“Viber Pay Terms (viber.com): 'Payment Services provided by Paynetics AD...”
Viber
“Viber Pay Terms state Viber Media Bulgaria Ltd provides the Viber Pay interface as a sub-contractor of Paynetics AD, the regulated payment/e-money service provider.”
Rakuten Viber
“In November 2025, Viber Pay migrated to Paynetics as its embedded finance infrastructure provider across seven European markets (embeddedfinancereview.com).”
Numarqe
“The legal page explicitly lists 'Weavr terms' and 'Paynetics terms', indicating these are the payment infrastructure providers.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Paynetics? Claim this profile above to unlock your own full list.
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Alternatives to Paynetics

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

Evolve Bank & Trust70 buyers →Sutton Bank63 buyers →Cross River55 buyers →Pathward48 buyers →Unit43 buyers →ClearBank38 buyers →Thread Bank32 buyers →Backbase30 buyers →
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Ranked #54 of 322 in BaaS — Embedded Finance Index 2026
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