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← Embedded Finance Index 2026/Vendor

Payrnet

Provider
PSPBaaSCard Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 3 categories.

payrnet.com ↗
CategoriesPSP, BaaS, Card Issuing
Rank#125 of 340 in BaaS
Buyers4 companies

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Who uses Payrnet
4 companies disclose Payrnet in their stack
RailsrWagestreamANNA MoneyKroo
Buyer mix · 4 of 4 classified
Fintech / Earned Wage Access · 1Fintech / Neobank · 1Fintech / SMB banking · 1Infrastructure / BaaS · 1
UK · 4
What the disclosures say
Railsr
“Railsr operates its own payments infrastructure as an FCA-regulated EMI/PI (Payrnet Limited).”
Wagestream
“Privacy policy and Terms of Service: 'Stream Platforms Ltd ... registered with the Financial Conduct Authority (FCA) (firm reference 902046) as an EMD Agent of Electronic Money Institutions authorised by the FCA: PayrNet Limited (firm reference 900594) and Modulr FS Limited (firm reference 900573)'.”
ANNA Money
“anna.money/business-account/ states: 'FSCS-protected savings business bank account by Griffin' and 'E-money account issued by PayrNet Limited'.”
Kroo
“Legacy card programme was routed via PayrNet/Modulr prior to full licence.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Payrnet? Claim this profile above to unlock your own full list.
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Alternatives to Payrnet

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 & Trust71 buyers →Sutton Bank63 buyers →Cross River56 buyers →Pathward48 buyers →ClearBank39 buyers →Thread Bank35 buyers →Backbase30 buyers →Community Federal Savings Bank30 buyers →
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An embeddable badge for Payrnet’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 #125 of 340 in BaaS — Embedded Finance Index 2026
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Payrnet — frequently asked

Which companies use Payrnet?

4 companies are linked to Payrnet in the Embedded Finance Index 2026, through their own public disclosures or Payrnet's published customer list, including Railsr, Wagestream, ANNA Money and Kroo.

What does Payrnet do?

Payrnet is an embedded-finance provider in PSP, BaaS and Card Issuing. It ranks #125 of 340 BaaS providers by linked companies.

What are the alternatives to Payrnet?

The most-named BaaS alternatives to Payrnet 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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