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

Usio’s developer-friendly embedded platform gives you full control of the payment experience—all under your brand. Launch faster, scale smarter, and monetize every transaction.

With Usio, you can issue:

ACH & Card Processing

Accept and disburse funds via secure ACH and card rails, enabling flexible payment options for any FinTech use case.

PINLess Debit

Enable real-time debit transactions without the need for cardholder PINs—perfect for recurring and low-friction payments.

Text2Pay

Engage users and complete transactions directly via SMS with our mobile-friendly payment tools.

Remotely Created Checks (RCC)

Support customers without digital access by generating print-ready checks with secure, compliant workflows.

Buy Now Pay Later (BNPL)

Offer customers flexible financing options with BNPL support fully integrated into your payment flow.

Hosted Payment Pages

Launch compliant, customizable payment pages hosted by Usio—ready to go with minimal development time.

EMV Terminals

Accept in-person payments through certified EMV terminals for point-of-sale use cases.

Recurring Revenue Stream

Unlock a recurring revenue stream from every transaction and turn payment infrastructure into a profit center.

PINLess Debit

Go live faster with our developer-first APIs that minimize dev time and speed up your time to market.

Automated Onboarding

Accelerate user activation with intelligent, streamlined onboarding flows.

Card Updater

Keep subscription payments flowing with automatic card updater tools.

Built-in Reporting & Recurring Payments

Easily manage billing and reconciliation with robust built-in tools for reporting and recurring transactions.

Compliance-Ready

Rest assured with PCI Level 1, SOC 2, and HIPAA compliance standards built into every integration.

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.

You control the brand. We handle the complexity.

Virtual Cards

Instantly delivered via mobile or web for real-time digital use.

Digital Wallet Cards

Compatible with Apple Pay, Google Pay, and Samsung Pay.

Physical Cards

Custom branded, shipped to any U.S. address, ready to use.

Reloadable & Non-reloadable Options

Designed to fit any use case—from prepaid rewards to one-time reimbursements.

You also get:

MCC Code Restrictions

Restrict or control how and where funds are used.

Real-Time Funding

Push funds to cardholders instantly with no waiting period.

Custom Workflows

Perfect for subscriptions, rebates, gig economy payouts, or government programs.

Fraud & Compliance

All regulatory compliance and fraud prevention handled by Usio’s in-house experts.

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.

Usio Makes It Easier

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.

Usio puts your brand front and center with a completely white-labeled platform. We handle the heavy lifting—tech, compliance, and operations—so you can focus on growth.

Usio is more than a payment processor—we’re your embedded finance partner. Whether you’re embedding payments into your app, launching your own card program, or sending funds at scale, our platform and people help you move fast and scale smarter.