← Embedded Finance Index 2026/Vendor

PayrNet

Provider
BaaSPSPCard Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 3 categories.

payrnet.com ↗
CategoriesBaaS, PSP, Card Issuing
Rank#92 of 322 in BaaS
Buyers5 companies
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Who uses PayrNet
5 companies disclose PayrNet in their stack
WagestreamRailsbankANNA MoneyRailsrKroo
Buyer mix · 5 of 5 classified
Infrastructure / BaaS · 2Fintech / Earned Wage Access · 1Fintech / Neobank · 1Fintech / SMB banking · 1
UK · 5
What the disclosures say
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'.”
Railsr
“Railsr operates its own payments infrastructure as an FCA-regulated EMI/PI (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 & Trust70 buyers →Sutton Bank63 buyers →Cross River55 buyers →Pathward48 buyers →Unit43 buyers →ClearBank38 buyers →Thread Bank32 buyers →Backbase30 buyers →
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Ranked #92 of 322 in BaaS — Embedded Finance Index 2026
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