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← Embedded Finance Index 2026/Banks

Wells Fargo

Bank
PSPSponsor Bank

Bank tracked in the Embedded Finance Index. Named by 1 company, as its payments & acquiring.

wellsfargo.com ↗Also analysed as a company — its own stack →
TypeBank
Used asPayments & acquiring, Sponsor bank
Rank#523 of 528 in PSP
Buyers1 company
HeadquartersSan Francisco, California, USA
Founded1852

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How companies use Wells Fargo

1 company names Wells Fargo in their stack. The most common role is payments & acquiring (1). A company can use the same bank for more than one thing.

Payments & acquiring1
Sponsor bank1
Wells Fargo’s APIs · from Open Banking Tracker

Wells Fargo publishes a developer portal with 2 API products, and 3 aggregators connect to it.

Developer portal
developer.wellsfargo.com ↗
Sandbox
Available
API products
Account Information ↗
Account information
Payment Initiation ↗
Payment initiation
Reachable through
FlinksPlaidTrueLayer
From Open Banking Tracker’s open dataset, record “Wells Fargo”. Full API profile on Open Banking Tracker ↗
Background · from Wells Fargo’s own dossier

Wells Fargo is a 173-year-old US money-center bank operating as its own OCC-chartered national bank across three legal entities. Rather than embedding third-party BaaS infrastructure, Wells Fargo is a provider of embedded finance itself — via its Developer Portal (open banking APIs, FX API, Payment Manager) and Retail Services private-label credit programs. Recent embedded-finance activity has focused on distributing its private-label credit through third-party platforms like ChargeAfter.

Latest round: Public (NYSE: WFC)
Recent developments
  • 2026-09-01Named as a founding member (one of 21 international financial institutions, alongside Bank of America, Capital One, Citi, Fidelity Investments, Goldman Sachs, PNC, Scotiabank, TD Bank Group, WisdomTree, Banco Santander, Bbva, Commerzbank, Deutsche Bank, Lloyds, Rabobank, Ubs, Mufg, Sirius International Holding, Standard Bank and Crédit Agricole) of a new joint venture to issue a stablecoin — name not yet disclosed at announcement. Initial focus on a USD-denominated stablecoin, with EUR the priority for later expansion; targets wholesale, institutional and retail use cases including cross-border payments and digital-asset settlement. Go-to-market targeted for H1 2027. source ↗
Acquisitions
Wachovia2008
Acquired the failing East Coast bank during the financial crisis, doubling Wells Fargo's retail footprint.
Norwest Corporation (reverse merger)1998
Norwest acquired the original Wells Fargo and adopted the Wells Fargo name.
Full dossier: Wells Fargo’s own stack, layer by layer →
Who uses Wells Fargo
1 company disclose Wells Fargo in their stack
JustiFi
What the disclosures say
JustiFi
“Registered ISO in Canada with Wells Fargo and First Data.' Homepage advertises cards, ACH, digital wallets, BNPL — online and in-person; Configurable Fees API and justifi-checkout web components.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Wells Fargo? Claim this profile above to unlock your own full list.
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What Wells Fargo runs on · from its own dossier
The third-party providers Wells Fargo itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Wells Fargo.
Card Network
VisaMastercard
Lending
ChargeAfter
Treasury Management
Wells Fargo BankWells Fargo National Bank WestWells Fargo Bank South CentralWells Fargo Advisors Bank Deposit SweepMoney Market Fund Sweep
Transaction Enrichment
Fargo
Full dossier with evidence for each layer →
Other banks in PSP

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

Wells Fargo Bank8 buyers →Fifth Third Bank7 buyers →JPMorgan6 buyers →Cross River5 buyers →Chase Paymentech4 buyers →Deutsche Bank4 buyers →Axis Bank2 buyers →Barclays2 buyers →
Share this rank

An embeddable badge for Wells Fargo’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 #523 of 528 in PSP — Embedded Finance Index 2026
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       alt="Ranked #523 of 528 in PSP — Embedded Finance Index 2026">
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Wells Fargo — frequently asked

Which companies use Wells Fargo?

1 company is linked to Wells Fargo in the Embedded Finance Index 2026, through their own public disclosures or Wells Fargo's published customer list, including JustiFi.

What do fintechs use Wells Fargo for?

Wells Fargo is a bank. Companies in the Embedded Finance Index 2026 name it as their payments & acquiring (1) and sponsor bank (1).

What are the alternatives to Wells Fargo?

The most-named PSP alternatives to Wells Fargo are Wells Fargo Bank (8 buyers), Fifth Third Bank (7 buyers), JPMorgan (6 buyers), Cross River (5 buyers), Chase Paymentech (4 buyers) and Deutsche Bank (4 buyers).

Who founded Wells Fargo?

Wells Fargo was founded by Henry Wells and William Fargo and is founded in 1852, headquartered in San Francisco, California, USA.

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