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← Embedded Finance Index 2026/Vendor

Verve

Provider
Card NetworkCard Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 25 companies across 2 categories.

verve.com ↗Also analysed as a company — its own stack →
CategoriesCard Network, Card Issuing
Rank#4 of 15 in Card Network
Buyers25 companies
HeadquartersLondon, England, United Kingdom
Founded2017

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Founders & story · from Verve’s own dossier

Founded in 2017 as Tail Offers Ltd (trading as Verve), the company built a cashback and rewards platform leveraging open banking and card-linking technology, targeting users of neobanks like Starling Bank and Monzo. Cashback is paid directly to users' bank accounts, removing the need for voucher codes or loyalty cards. The company is small (approximately 7 employees) and remains focused on the UK consumer rewards/cashback niche with partnerships with major retailers.

Full dossier: Verve’s own stack, layer by layer →
Who uses Verve
25 companies disclose Verve in their stack
Union Bank of Nigeria (Formerly Titan Trust Bank)Sudo AfricaSterling BankParallex BankPalmPayPolaris Bank Ltd.Signature BankAB Microfinance Bank Nigeria LimitedTranssnet FinancialInterswitchPocketAppAccelerex+13 more
Buyer mix · 25 of 25 classified
Bank / National · 12Bank / Community · 3Fintech / Consumer banking · 2Fintech / Neobank · 2Fintech / Payments · 2Infrastructure / Payments · 2Infrastructure / BaaS · 1Infrastructure / Card issuing · 1
Africa · 24UK · 1
What the disclosures say
Union Bank of Nigeria (Formerly Titan Trust Bank)
“unionbankng.com/services/247-banking/point-of-sale/ describes POS terminals accepting Mastercard, Visa, and Verve, with next-working-day merchant settlement.”
Sudo Africa
“sudo.africa/products/accounts markets 'Embedded Banking-as-a-Service for your Platform' with NUBAN + IBAN virtual accounts; docs.sudo.africa/reference/card-programs shows in-house card program APIs with Verve/Mastercard/Visa; privacy policy describes Sudo as a CBN-licensed financial institution.”
Sterling Bank
“PayOn merchant T&Cs (sterling.ng/wp-content/uploads/2021/06/PAYON-Onboarding-Form-and-TC.pdf) name Sterling Bank as the acquiring bank accepting Visa, MasterCard, Verve. sPay and Embedly Checkout are Sterling-operated products.”
Parallex Bank
“Parallex Pay documentation shows test cards for Mastercard and Verve networks.”
PalmPay
“Wikipedia: 'In 2025, PalmPay introduced a debit card in partnership with Verve.' PalmPay is itself the licensed mobile money operator in Nigeria.”
Polaris Bank Ltd.
“Polaris Bank directly issues its own debit, prepaid, and credit cards across Visa and Verve networks, operates its own core banking, and runs VULTe as its in-house digital banking platform.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Verve? Claim this profile above to unlock your own full list.
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Alternatives to Verve

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

Visa355 buyers →Mastercard314 buyers →American Express46 buyers →Discover22 buyers →UnionPay13 buyers →Elo4 buyers →JCB4 buyers →RuPay3 buyers →
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An embeddable badge for Verve’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 #4 of 15 in Card Network — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/verve?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/verve.svg"
       alt="Ranked #4 of 15 in Card Network — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/verve/install" width="1" height="1" alt="" style="display:none">

Verve — frequently asked

Which companies use Verve?

25 companies are linked to Verve in the Embedded Finance Index 2026, through their own public disclosures or Verve's published customer list, including Union Bank of Nigeria (Formerly Titan Trust Bank), Sudo Africa, Sterling Bank, Parallex Bank, PalmPay, Polaris Bank Ltd., Signature Bank, AB Microfinance Bank Nigeria Limited, Transsnet Financial, Interswitch and 2 others.

What does Verve do?

Verve is an embedded-finance provider in Card Network and Card Issuing. It ranks #4 of 15 Card Network providers by linked companies.

What are the alternatives to Verve?

The most-named Card Network alternatives to Verve are Visa (355 buyers), Mastercard (314 buyers), American Express (46 buyers), Discover (22 buyers), UnionPay (13 buyers) and Elo (4 buyers).

Where is Verve headquartered?

Verve is founded in 2017 and headquartered in London, England, United Kingdom.

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