Embedded Finance Infrastructure

One API. Everything your customers want to pay, borrow, and transact.

Finsyncio gives vertical SaaS platforms lending and payment rails — fully compliant, no bank negotiations, live in weeks.

Get API Access Read the Docs

POST /v1/loans/originate

# Originate a term loan
$ curl -X POST https://api.finsyncio.com/v1/loans/originate \
  -H "Authorization: Bearer sk_live_7xKpQ3mNrV8w" \
  -d '{"borrower_id":"usr_8a4f2c","amount_cents":500000,"term_months":12}'

# Response
{
  "loan_id": "ln_4K9mPq2rXv",
  "status": "approved",
  "amount_cents": 500000,
  "decision_eta_ms": 847
}

Trusted by vertical SaaS teams:

Fieldora PropVault CareTrack ServiceGrid

Why Finsyncio

Financial infrastructure built for the developer who doesn't want to become a compliance lawyer.

One API

Payments, lending, and card issuance through a single integration. No juggling multiple bank APIs, middleware layers, or third-party processor contracts.

Compliance Wrapper

KYC, BSA/AML, and state lending licenses handled within the platform. Your SaaS inherits the regulatory framework — you focus on product.

Zero Bank Headaches

Pre-vetted, FDIC-insured bank partners already contracted. Call endpoints, not lawyers. Go from sandbox to production in weeks, not 18 months.

The Platform

Financial infrastructure that moves as fast as your product.

ACH + RTP same-day payments
Term loans, BNPL, working capital
Virtual and physical card issuance
Compliance engine (KYC/AML/licensing)
Real-time webhooks on every event

Explore the Platform

Use Cases

Every financial product in your product roadmap

From same-day payments to embedded lending — ship the features your customers are asking for.

Payments

ACH, RTP, and real-time payment rails for your platform users. Accept, disburse, and reconcile in one integration.

Learn more

Lending

Embedded term loans, BNPL, and working capital for your business customers. Underwriting, decisioning, and disbursement via API.

Learn more

Card Issuance

Issue virtual and physical cards to your users with programmable spend controls and real-time authorization webhooks.

Learn more

Integration

Integrate in hours, not quarters.

Get API keys from the dashboard

Sandbox keys ready in seconds — no sales call required.

POST to /v1/payments or /v1/loans

REST API with JSON request/response. SDKs for Node.js, Python, and Go.

Receive webhooks, done

Every state change fires a webhook to your endpoint. Idempotent and retryable.

Quickstart Guide

payment initiation

cURL Node.js Python

$ curl -X POST \
  https://api.finsyncio.com/v1/payments/initiate \
  -H "Authorization: Bearer sk_live_7xKpQ3mNrV8w" \
  -H "Content-Type: application/json" \
  -d '{
    "amount_cents": 12500,
    "currency": "usd",
    "recipient_id": "usr_9bZ3kR",
    "type": "ach_same_day"
  }'

# 200 OK
{
  "payment_id": "pay_Xm7rNp4qW2",
  "status": "processing",
  "eta_hours": 4
}

import FinsyncioClient from '@finsyncio/sdk';

const fsi = new FinsyncioClient({
  apiKey: process.env.FSI_API_KEY
});

const payment = await fsi.payments.initiate({
  amount_cents: 12500,
  currency: 'usd',
  recipient_id: 'usr_9bZ3kR',
  type: 'ach_same_day'
});
// payment.status === 'processing'

from finsyncio import FinsyncioClient

fsi = FinsyncioClient(api_key="sk_live_7xKpQ3mNrV8w")

payment = fsi.payments.initiate(
    amount_cents=12500,
    currency="usd",
    recipient_id="usr_9bZ3kR",
    type="ach_same_day"
)
# payment["status"] == "processing"

Compliance

The regulatory stack is ours to maintain. Not yours.

KYC / AML

CIP program, OFAC screening, FinCEN registration, SAR filing — managed at the platform level

State Licensing

Money transmitter and lending licenses maintained across all active states — your platform operates under our umbrella

Sponsor Bank Network

Pre-negotiated agreements with multiple FDIC-insured partner banks — ACH origination, RTP, and BIN sponsorship already contracted

Data Security

TLS 1.3 in transit, AES-256 at rest. Infrastructure designed with SOC 2 Type II controls in mind — assessment in progress

SOC 2 Type II assessment in progress — this is not a certification claim. Current security controls documentation available under NDA to enterprise partners.

From the Field

What teams building with Finsyncio say

We went from idea to live working capital loans in 6 weeks — something that would have taken 18 months negotiating a bank sponsorship ourselves. The BSA/AML program and state licensing coverage are included. That's the part I was most afraid of.

Marcus Okoye

CTO, field service management platform

Our landlords were asking for ACH rent collection for two years. We kept deprioritizing it because the banking layer felt like a 12-month project. We shipped it in one sprint with Finsyncio. The webhook signature verification docs are the best I've read in embedded finance.

Priya Nair

Head of Engineering, property management SaaS

Ready to add financial products to your SaaS?

Get API access today. Sandbox is free — no credit card required.

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