FinTechs

Powering FinTech Innovation with Embedded Finance That Works

Usio is your full-service, white-labeled embedded finance partner—purpose-built to support FinTechs with seamless payment infrastructure, card issuing, and fund disbursement solutions. From bold startups to major disruptors like MoviePass, ClassWallet, and MobileMoney, we help FinTechs launch faster, scale smarter, and monetize every transaction.

You brand it. You sell it. You scale it. We power it behind the scenes.

Embedded Payments, Built for FinTech Growth

At the core of Usio’s FinTech offering is our flexible, developer-friendly embedded payment platform, giving you control over the entire payment experience—all under your brand.
We support:

ACH & Card Processing
PINLess Debit
Text2Pay
Remotely Created Checks (RCC)
Buy Now Pay Later (BNPL)
Hosted Payment Pages
EMV Terminals

Recurring Revenue

Unlock a recurring revenue stream from every transaction

Easy API Integration

Go live faster with minimal dev time

Automated Onboarding

Accelerate user activation

Card Updater

Keep recurring billing uninterrupted

Built-in Reporting & Recurring Payments

Make billing and reconciliation effortless

Compliance-Ready

PCI Level 1, SOC 2, and HIPAA compliant

Why Usio Embedded Payments?

Utilizing Usio For
Embedded Payments

Whether you’re building a neobank, digital wallet, or a vertical SaaS, Usio gives you the tools to embed payments natively and monetize them immediately.

Card Issuing & Program Management:
Fully Powered by Usio

Usio does more than issue cards—we build the infrastructure behind your entire card program. As a licensed issuer and program manager, we provide a turnkey, white-labeled platform to launch branded card products with complete control.

Organizations like MoviePass, ClassWallet, and MobileMoney are 100% supported by Usio’s card issuing and program management engine. These platforms are built entirely on Usio’s infrastructure, from the funding rails to the MCC restrictions and compliance controls—fully white-labeled, fully managed, fully yours.

With Usio, you can issue the following:

Virtual Cards

Delivered instantly via mobile or web

Digital Wallet Cards

Apple Pay, Google Pay, Samsung Pay

Physical Cards

Shipped to any U.S. address, ready to use

Reloadable & Non-reloadable Options

Tailored to your use case

You also get:

MCC Code Restrictions

Limit or control where funds are spent

Real-Time Funding

Push funds instantly to cardholders

Custom Workflows

Perfect for subscriptions, rebates, gig payouts, and government programs

Fraud & Compliance

Handled by Usio’s certified payment experts

Brand Control

You control the brand. We handle the complexity.

Disbursement Solutions

Comprehensive Fund Disbursement Solutions

Push-to-Card

Send real-time payments to debit or prepaid cards.

ACH Transfers

Fast, secure, and cost-effective transfers between bank accounts.

Virtual & Physical Cards

Use preloaded, reloadable, or single-use cards for flexible disbursements.

Remotely Created Checks (RCC)

Enable check printing on demand for customers without digital access.

Prepaid Card Programs

Custom branded cards for spending control and user engagement

Text2Pay with Disbursement

Engage users with reloadable, branded prepaid solutions.

Print & Mail Checks

Send physical checks with tracking, branding, and secure delivery.

Bill Print & Mail

Mass-scale document delivery with enterprise print infrastructure.

Full Suite of Disbursement Options,

Card programs are just one way to move money fast. Usio offers a full suite of disbursement options, so your business can get funds into the right hands, instantly and securely. Whether you’re paying users, vendors, or employees—Usio makes it frictionless.

Choose from:

White-Labeled Embedded Finance. All Yours.

Every piece of the Usio platform is completely white-labeled, putting your brand front and center while we handle the tech, compliance, and operational lift in the background.

What makes Usio different?