Add financial services to any product.
Your customers move money on your platform today - they just use someone else's infrastructure to do it. Embed accounts, payments, and cards directly in your product experience with a few API calls.
400+
SME clients served by embedded finance customers
3
API calls to embed a full account and payment flow
Unlimited
currencies supported for multi-market platforms
99.997%
platform uptime across all deployments
Financial services are the highest-margin feature you can add to any product.
Companies that embed financial services see 2–5x higher customer lifetime value, significantly lower churn, and new revenue streams from interchange, FX, and float - without building a bank.
Techvica provides the regulated infrastructure. You provide the product layer. Your users never leave your experience.
New revenue streams
Interchange revenue
Earn on every card transaction your users make with branded virtual or physical cards.
FX spread
Apply a configurable markup on currency conversions. We handle the execution.
Float income
Earn interest on pooled balances held in safeguarded accounts.
Premium features
Charge users for higher limits, instant payouts, or multi-currency access.
Every vertical has a financial layer waiting to be unlocked.
Marketplaces
Pay your sellers instantly.
Issue branded virtual accounts to sellers. Collect from buyers. Split payments, hold funds in escrow, and release on delivery - all via API.
B2B SaaS
Monetise the money your users already move.
If your platform touches invoices, expenses, or payroll, you can embed accounts and payments. Your customers stop leaving your product. You earn interchange.
Healthcare
Streamline patient payments and provider disbursements.
Compliant patient billing, insurance reimbursement routing, and provider payment automation - with full audit trails for HIPAA environments.
Logistics & Supply Chain
Real-time supplier payments across borders.
Fund supplier accounts in local currencies, automate payment on delivery confirmation, and reconcile across any currency without a treasury team.
Embed accounts and payments in an afternoon.
RESTful APIs, SDKs in six languages, and sandbox environments pre-loaded with test data. Our documentation is written by engineers, for engineers.
Create a virtual account
Specify account type, currency, owner, and label. A fully functional account is created instantly via a single API call.
Trigger a payout
Move funds between platform accounts or pay out to external bank accounts on any supported rail.
The full BaaS stack in one API.
Branded virtual accounts
Programmatic account creation for end users, with your branding and domain.
Push-to-debit & bank payouts
Pay out to users via Faster Payments, SEPA, or ACH in seconds.
Revenue share on interchange
Earn a configurable percentage of every card transaction your users make.
KYC through your partners
Connect Sumsub, Onfido, or the vendor your counsel prefers-we normalise outcomes into one API so your users still verify inside your product.
Treasury pooling
Pool platform balances, earn interest, and manage liquidity across entities.
White-label onboarding UI
Drop our flow components into your product. Verification still runs on the certified partner you designate-we keep the plumbing invisible.
“We evaluated five BaaS platforms. Techvica was the only one that treated compliance as a first-class citizen, not an afterthought. Wiring our Sumsub and ComplyAdvantage stacks through their orchestration layer saved us an entire engineering quarter.”
James Osei
VP Engineering, ClearPath Finance
Impact
Embedded finance serving 400+ SME clients across Europe
Follow the embedded finance stack
Multi-Currency Accounts
See how platform products can support balances, FX, and treasury behavior.
Payments Engine
Review the payout and money movement workflows behind embedded finance products.
Banking APIs UK
See the API layer that lets product teams embed financial workflows without vendor sprawl.