ApideckTape
← Embedded Finance Index 2026/Banks

WebBank

Sponsor bank
BaaSCard IssuingSponsor BankLending

Sponsor bank tracked in the Embedded Finance Index. Named by 31 companies, most often as their sponsor bank.

webbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Lending partner
Rank#9 of 201 in Sponsor Bank
Buyers31 companies
HeadquartersSalt Lake City, Utah, United States
Founded1997

Claim this profile. Work at WebBank? Verify your work email to unlock the full buyer list.

How companies use WebBank

31 companies name WebBank in their stack. The most common role is sponsor bank (25). A company can use the same bank for more than one thing.

Sponsor bank25
Banking-as-a-Service11
Lending partner10
Card issuer5
WebBank’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for WebBank. 2 aggregators connect to its accounts.

Reachable through
Mastercard Open Banking (formerly Finicity)Plaid
From Open Banking Tracker’s open dataset, record “WebBank”. Full bank profile on Open Banking Tracker ↗
Background · from WebBank’s own dossier

WebBank is a Utah-chartered Industrial Loan Company (ILC) that has quietly become one of the most important sponsor banks in U.S. fintech. Since 1997 it has operated a 'Bank Behind the Brand' model — providing the charter, compliance, and origination infrastructure that lets non-bank fintechs (Prosper, Avant, Klarna, PayPal Working Capital, Petal, Dell Financial Services, Zip, BILL, CAN Capital, Capital on Tap, Libertas) issue loans and cards. It was a pioneer of marketplace lending partnerships and has originated over $150B in consumer and commercial credit through its Strategic Partner program.

Recent developments
  • 2025Zip expanded its partnership with Stripe in the U.S.; loans originated by WebBank. source ↗
Full dossier: WebBank’s own stack, layer by layer →
Who uses WebBank
31 companies disclose WebBank in their stack
PetalScratchpayPeac SolutionsKlarnaIntuit QuickBooksSezzleIntuitProsperOnemainfinancialToastxtraCHEF by ToastBMG Money+19 more
Buyer mix · 31 of 31 classified
Fintech / Lending · 17Fintech / Consumer banking · 2Fintech / Investment · 2Horizontal SaaS / Accounting · 2Vertical SaaS / Restaurants · 2E-commerce / Retail · 1Fintech / Crypto · 1Horizontal SaaS / Spend Management · 1
US · 24APAC · 4EU · 2UK · 1
What the disclosures say
Petal
“petalcard.com/legal footer: 'Petal credit cards are issued by WebBank.' Support page: 'Petal's issuing bank is WebBank—an FDIC-insured financial institution based in Utah.”
Scratchpay
“webflow.scratchpay.com/legal/agreement states 'Scratch Pay Plan(s) are issued by Scratch's banking partner–WebBank.' WebBank also listed as known customer at bankingembedded.com/companies/scratchpay. scratchpay.com/product-lending describes flat 5% provider fee, no hard credit checks, 12-24 month plans.”
Peac Solutions
“WebBank publicly lists Peac Solutions as a customer on bankingembedded.com, indicating WebBank serves as a sponsor/lending bank for PEAC Solutions in the US.”
Klarna
“Klarna legal page lists Pay in 4, Pay later WebBank, Pay over time, and Financing products.”
Intuit QuickBooks
“quickbooks.intuit.com/learn-support/en-us/help-article/loans/quickbooks-capital-faq/ — 'Loans are originated by WebBank and made available through QuickBooks.' quickbooks.intuit.com/learn-support/articles/quickbooks-product-updates/access-flexible-capital-through-quickbooks-youlend/ — UK partnership with YouLend for re…”
Sezzle
“Footer disclosure: 'Sezzle Virtual Cards are issued by WebBank, Member FDIC, pursuant to a license from Visa U.S.A Inc.' Canada press release names Marqeta as card issuing platform.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent WebBank? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where WebBank’s disclosed buyers are headquartered. Represent WebBank? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

What WebBank runs on · from its own dossier
The third-party providers WebBank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose WebBank.
Lending
ProsperAvantKlarnaPayPalPetalDell Financial ServicesOportunCleoZipBILLCAN CapitalCapital on TapLibertas Funding
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust101 buyers →Sutton Bank65 buyers →Cross River64 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for WebBank’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 #9 of 201 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/webbank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/webbank.svg"
       alt="Ranked #9 of 201 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/webbank/install" width="1" height="1" alt="" style="display:none">

WebBank — frequently asked

Which companies use WebBank?

31 companies disclose WebBank in their stack in the Embedded Finance Index 2026, including Petal, Scratchpay, Peac Solutions, Klarna, Intuit QuickBooks, Sezzle, Intuit, Prosper, Onemainfinancial, Toast and 2 others.

What do fintechs use WebBank for?

WebBank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (25), banking-as-a-service (11) and lending partner (10).

What are the alternatives to WebBank?

The most-disclosed Sponsor Bank alternatives to WebBank are Evolve Bank & Trust (101 buyers), Sutton Bank (65 buyers), Cross River (64 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is WebBank headquartered?

WebBank is founded in 1997 and headquartered in Salt Lake City, Utah, United States.

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against WebBank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to WebBank and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.