Best Embedded Finance Platforms in the Middle East of 2026

Plaid

Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services.

129 Ratings

Starting Price: Free

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Wallester

Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.

260 Ratings

Starting Price: $0

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Gr4vy

Gr4vy enables enterprises to embed financial services directly into their products. Gr4vy enables enterprises to embed their payments, streamlining the customer experience and more, without heavy development work. With a single integration, businesses can connect to 400+ payment methods, PSPs, and fraud tools, all managed from one centralized platform. Built on dedicated cloud instances and powered by edge computing, Gr4vy delivers high performance, true data sovereignty, and low latency. For platforms offering embedded finance, this means smoother user experiences, end-to-end control of the payment flow, and the flexibility to scale globally while staying compliant. Gr4vy future-proofs financial service stacks with simplicity, security, and innovation.

5 Ratings

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Stripe

The new standard in online payments. Stripe is the best software platform for running an internet business. We handle billions of dollars every year for forward-thinking businesses around the world. Stripe builds the most powerful and flexible tools for internet commerce. Whether you’re creating a subscription service, an on-demand marketplace, an e-commerce store, or a crowdfunding platform, Stripe’s meticulously designed APIs and unmatched functionality help you create the best possible product for your users. Millions of the world’s most innovative technology companies are scaling faster and more efficiently by building their businesses on Stripe. We believe that payments is a problem rooted in code, not finance. We obsessively seek out elegant, composable abstractions that enable robust, scalable, flexible integrations. Because we eliminate needless complexity and extraneous details, you can get up and running with Stripe in just a couple of minutes.

17 Ratings

Starting Price: 2.9% + 30¢ per charge

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Razorpay

Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.

2 Ratings

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Meld

Meld.io

Meld empowers developers to build a Multi Vendor Fintech stack. With a few lines of code, developers gain access to a wide range of financial integrations across multiple domains. Meld helps you lower your overall 3rd party vendor costs, increase coverage and conversion rates, and save you time by launching integrations across markets faster. We provide performance analytics for every provider you integrate with - putting you back in control of your fintech stack.

1 Rating

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SDK.finance

SDK.finance is a white-label core payments platform, serving as a backbone for building fintech products on top. Available in cloud PaaS and on-premise with the source code license versions, the platform caters to businesses of all sizes - from startups seeking affordable software to SMBs and enterprises that need scalability and independence.

Starting Price: Contact us

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lemon.markets

Automate your trading, create your own services, or connect investing with existing interfaces. Start trading more than 8,000 global stocks and ETFs through our free paper environment today. Take your use case live with your dedicated securities trading account, provided through our licensed partner. Your API for stock trading and market data. An API that gives you the freedom to build any brokerage use case you can imagine. Docs that give you a head start. Stream historical and real-time market data. Integrate them into your brokerage use case. Easy peasy lemon squeezy. Place your orders against our REST-API. Simple, convenient, and flawless. Build your own brokerage experience with the lemon.markets API. Our state-of-the-art REST-API gives you the freedom to build a brokerage project that fits your personal needs. Build your own automated trading bot that places orders at the stock market. Monitor price developments and define your own buy or sell rules.

Starting Price: €9.90 per month

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VoPay

VoPay International Inc

At VoPay, we help software companies scale faster and unlock new revenue by embedding secure, compliant financial services into their core platforms. Our Fintech-as-a-Service platform enables businesses to manage payments, automate money movement, and integrate powerful fintech products, without the need to build complex infrastructure from scratch. VoPay’s platform provides the flexibility, control, and tools businesses need to grow and thrive. Whether you're managing high transaction volumes or looking to enter new markets, VoPay provides scalable infrastructure to support your growth and deliver value to your users. Additionally, our platform integrates seamlessly with your SaaS solution through a single API, making it easy to offer embedded payments, compliance, and financial orchestration. This is particularly beneficial for SaaS platforms, as it allows you to expand without worrying about the complexities of financial infrastructure.

Starting Price: $500 - $1000 /mo

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Solid

Instantly create bank accounts, offer crypto wallets, send payments, and issue cards to your customers. Solid offers a fully integrated & compliant suite of FinTech services. Integrate in minutes to build never-before-seen experiences. Solid's Banking as a Service (BaaS) enables companies to build and launch deposit products, such as business and consumer checking accounts. It includes the ledger, statements, and everything needed to create delightful banking experiences. Solid's Card Issuance and Management platform is the first of its kind. Issue cards are the modern way, to serve the needs of your customers, with one single API. Credit, debit, and prepaid cards, both in physical and virtual form factor, are all fully managed by Solid. Engage your customers with a light & powerful experience, in your product, with Solid's instant bank /account creation API. Issue branded physical and virtual cards instantly, with the spending controls they need with Solid's /card API.

Starting Price: Free

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Column

Column is a nationally chartered bank engineered specifically for developers and builders to create innovative financial products. By constructing its own core banking system, ledger, and data model, Column eliminates the need for traditional middleware, granting developers direct access to the U.S. banking infrastructure. This approach enables seamless integration with the Federal Reserve, facilitating efficient money movement, account creation, and card program management. Key offerings include ACH origination, wire transfers via FedWire, real-time book transfers, and the ability to establish FDIC-insured bank accounts through a user-friendly API. Additionally, Column supports the development of customized card programs, providing dedicated Bank Identification Numbers (BINs) and compatibility with major networks and issuer processors. It also offers lending products such as loan origination, debt financing, and loan purchase programs to help companies scale their lending operations.

Starting Price: $0.50 per transaction

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Basiq

Basiq is the leading open banking platform enabling developers to build innovative financial solutions. We provide secure access to customer-consented financial data and powerful APIs that uncover valuable insights. We're powering the future of financial apps and services with solutions for wealth managers, banks, fintechs, and more. Get access to complete and reliable banking data to deliver more engaging, personalised digital banking experiences. Use our advanced income algorithms to reliably identify all sources of income such as regular, variable and casual income streams. Enabling you to streamline individual assessments and make faster lending decisions. Provide your customers with a rich digital experience by helping them better understand where they’re spending. Use Basiq Enrich to identify the merchant, location and category of each bank transaction.

Starting Price: $0.39 per user per month

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Extend

A simple, powerful tool for your existing business credit card. Instantly create secure virtual cards for employees, projects and vendors. The Extend App is the most convenient and secure way to send virtual credit cards to your network. Build the products of tomorrow. API enables developers with powerful virtual credit card capabilities. Leveraging Extend APIs, a leading online lender has partnered with a destination resort to offer additional payment options to guests. From upgrades to enhanced experiences, guests have an efficient and convenient payment option with access to an immediate, flexible term loan offering. Use our APIs to create new products for payment, lending, and more. An innovative insurtech utilizes Extend APIs to optimize payment operations. They’ve eliminated cash flow issues for doctors and benefit from automated reconciliation and credit card incentives.

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TrueLayer

TrueLayer is the leading technology company providing secure, global access to financial infrastructure. Developers use our APIs to build best-in-class products that securely access data and initiate payments in real-time. Founded in 2016, TrueLayer is connected to major banks across the world, backed by leading venture capital, and trusted by some of the biggest names in fintech including Monzo, Revolut, and Zopa. By making the power of open banking accessible through our platform, TrueLayer enables developers across any industry — from startups to enterprises — to reinvent financial services. TrueLayer is available in the UK, Europe and Australia. Easily integrate next-generation payments and financial data into any app. Build powerful products your customers love. Send and receive money on the fastest rails at the lowest rates with a first-class user experience. No cards. No fraud. No chargebacks.

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AlphaPoint

AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more. AlphaPoint has enabled over 150 customers in 35 countries including the CME Group, XP Securities, and Chivo. AlphaPoint has powered over 1 trillion in trading volume and the technology has handled billions in assets on the platform. Over the past decade, we have received multiple prestigious awards recognizing our innovations, exponential growth and leading technology in the fintech and digital asset space, positioning us to continue empowering our clients.

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Spinwheel

Embed consumer debt solutions in your application. Spinwheel makes it easy to offer full-featured debt use cases in your app, starting with student loans. Our APIs and drop-in modules are built to address the American debt crisis directly from users native financial habitats. All the components you need to offer full-featured student loan products. We do the heavy lifting to deliver complete, clean data, and layer on insights like loan priority scores. With Spinwheel, payments are embedded, so borrowers know what and when to pay, and can do it easily from your app. Our beautiful, white-label drop-in modules make it a snap to create compelling end user flows. User-permission connectivity to comprehensive data and complex functions enable your app to do almost anything a user can do at a loan servicer. Intuitive APIs, low-code modules, clear documentation, and outstanding support. Pay down or payoff, we make it easy to create a payment and apply it correctly.

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Alviere Hive

Alviere

Alviere’s embedded finance platform allows any organization to seamlessly integrate financial products and services into their existing offerings, and provide customers and partners with the most comprehensive embedded financial solution on the market. Alviere’s platform offers an extensive range of customizable branded products and services that include FDIC-insured virtual accounts and physical card issuing, payments, digital global money transfers, and crypto/web3 products, all through one API integration. Alviere is a fully licensed and regulated financial institution, and provides comprehensive compliance, risk management, fraud/AML montioring and security to ensure long-term program success.

Starting Price: $0

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Lendflow

We connect the dots so you can connect your customers to the capital they need to grow. Across industries, from term loans to lines of credit, our open platform ecosystem gives you the freedom to build what you need. Our open API provides a developer-friendly way to build components directly into your UI/UX and our embeddable components can get you to market faster. Utilize our pre-built application widgets to integrate in under five minutes. Create a deeply immersive and seamless user experience into your existing platform. Provide users with advanced, real-time notifications of offers and terms. Attract new business, increase engagement, and generate incremental revenue, see what an embedded capital program can do for you. With a multitude of lenders competing for your customer’s business, they are more likely to receive offers they want to accept. Our seamless integration encourages customers to stay on your platform to access the capital they need.

Starting Price: $500 per month

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Wallet Engine

Wallet Engine enables apps to seamlessly embed financial accounts into any user experience. This provides the foundation for contextual peer-to-peer payments, micro-finance, in-app economies, and everything in between. We take care of the complexities arising from cross-border e-money operations, regulatory compliance and local network integrations so that apps can focus on their business. Meeting regulatory and compliance standards in multiple jurisdictions. Connected to 900,000+ top-up & withdrawal channels around the world. Built for rapid scale and high-volume transactions on core-banking technology. Fully customizable fee structure unique to a customer's requirements. We understand the challenges to financially connect people from around the world and we are focused on providing developers with simple and composable products to rapidly deploy embedded financial features across a global user base.

Starting Price: $2.50 per user per year

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Flywire

Flywire Corporation (Nasdaq: FLYW) is a global payments enablement and software company. We combine our proprietary global payments network, next-gen payments platform and vertical-specific software to deliver the most important and complex payments for our clients and their customers. Flywire leverages its vertical-specific software and payments technology to deeply embed within the existing A/R workflows for its clients across the education, healthcare and travel vertical markets, as well as in key B2B industries. Flywire also integrates with leading ERP systems, such as NetSuite, so organizations can optimize the payment experience for their customers while eliminating operational challenges. Flywire supports more than 4,000+ clients with diverse payment methods in more than 140 currencies across 240 countries and territories around the world. Flywire is headquartered in Boston, MA, USA with global offices.

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Liberis

At Liberis we’re experts at embedding revenue-based finance solutions into your existing customer experiences. You can provide your business customers with the intuitive, responsible finance they’re after. Our embedded finance platform empowers you to offer finance directly to your customers within your own customer experiences. We’ll handle the documentation, legal processes, and funding. Your customers need finance for many reasons, from cash flow management to business growth. Liberis’ embedded finance platform provides a fast and simple solution, with a revenue-based payment method that we know businesses owners love.

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Weavr

Weavr.io

Unlock business growth without worrying about complex regulations, shouldering the compliance burden or managing data security as we handle that for you. Safely handle supplier payments or build a benefits programme your employees will love. Delight customers with digital gifting and make crypto PoS enablement safe and streamlined. Enabling everything from salary advances to compensation payments, built into your business. Supercharging B2B marketplaces and crowdfunding capabilities, all ready to plug-and-play. Up until now, adding financial services exactly where and when your customers need them has been tricky. Not anymore. Our ready-made, plug-and-play financial services offer unlimited use-cases with unrivalled simplicity meaning you can select the services you need and start adding value to your customers almost instantly.

Starting Price: $1,268.47 per month

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Modern Treasury

Modern Treasury’s payment operations platform and flexible APIs enable you to add money movement and tracking to your products without the heavy lifting. There's a lot more to money movement than just moving money. Our APIs automate money movement at scale, including bank integration, payments, and reconciliation, while the web app provides complete control over fund flows with approval workflows, notifications, reporting, and more. We integrate directly with your bank instead of sitting in the flow of funds, so payments move 2x faster. Set up approval rules and track payments from initiation to reconciliation, with support for ACH, RTP, Wire and global payment methods through a single API and web app. We automatically reconcile completed payments to transactions on your bank statement as they are posted and match returns and reversals to the original payment, streamlining cash reconciliation.

Starting Price: $499 per month

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CARD91

Enable new-age payment use cases via card issuance and management by empowering businesses with payment decisions and transaction control. Seamless real-time data access with reconciliation keeps stakeholders updated all the time every time without manual intervention. Use our dashboard or yours and integrate our APIs to issue payments and reconcile usage data in a frictionless, secure manner for free. Our next-generation super fast payment rails will help you create card-based programs your business needs on the go. We make money when your happy partners do transactions via card issued by you. With our open API, we have converted the complex payment issuance process to a few lines of code. And if you are still feeling lost, our tech experts are here to help you. We are offering it all for free. We are launching our sandbox in another month. Would love to hear your feedback on that.

Starting Price: Free

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NovoPayment

NovoPayment’s API-based platform delivers digital banking, payment, and card solutions in record time. Whether you're starting from scratch, enhancing, or expanding in multiple markets, we provide the onboarding, digital core, and direct local integrations to meet your needs and stay agile. Our streamlined Visa or Mastercard prepaid, debit, and credit solutions provide all you need to deploy your consumer, SMB, or corporate programs. Launch physical or digital card programs through our native and embedded APIs and issuing infrastructure. Let users manage their digital multi-currency accounts in real-time by accessing multiple wholesale FX rates and service providers in our application network. Enable instant virtual and physical card issuing for open and closed-loop programs to fit your use case. Payments are the fuel of strong businesses. From real-time to secure remote commerce, we provide a complete set of payment tools for the digital economy.

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OneVest

We deliver wealth, as a service. Expand or modernize your wealth management delivery with a sophisticated platform that embeds seamlessly into your enterprise. Enabling modern wealth management delivery. From modernizing legacy programs to launching them for the first time, OneVest helps you get to market faster. Embed wealth services into your platform and get up-and-running without the overhead. Offer a modern customer experience and upgrade your infrastructure with an end-to-end platform. Deliver a modern wealth management experience to your customers by embedding OneVest services into your applications. Our developer-friendly API allows you to create a customized wealth management experience. Leverage OneVest's wealth platform as your own without needing to build it all yourself. Showcase your brand with web and mobile apps that allow you to get to market quickly and effortlessly. Seamlessly deliver wealth management in conjunction with your existing back office.

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Teller

One easy-to-use API to verify account details, move money, make payments, view transactions, and more. The easiest way for users to connect their bank accounts to your app. Teller provides your app with beautiful account enrollment screens that send all sensitive data directly to our secure servers, bypassing yours and leaving you one less thing to worry about. Teller connects to every bank using real APIs. Other providers mostly screenscrape, an extremely brittle and slow technique that means they have poor uptime, are slow, and return stale data. Teller provides live, up-to-the-minute bank data in a reliable and predictable manner. One easy-to-use API to verify account details, move money, make payments, view transactions, and more. See for yourself, run the request on the right by copying the command and pasting it into your terminal. Bank account connections you can rely on, are designed for your peace of mind.

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Stripe Connect

Stripe

Stripe Connect is the fastest and easiest way to integrate payments into your platform or marketplace. Our APIs enable you to build and scale end-to-end payments experiences, from instant onboarding to global payouts and create new revenue streams, all while having Stripe handle payments KYC. Get to market faster without the upfront costs or development time usually required for payment facilitation, with Stripe-hosted onboarding. Make payments a powerful source of revenue with our revenue share program, or mark up payments to earn on every transaction. Reach more customers worldwide with a global payments platform, and support 135+ currencies and local payment methods through a single integration. Monetize Stripe’s complete suite of financial services products by offering financing, expense cards, or money management accounts to your users. Whether you use Connect’s pre-built, optimized UIs or build your own custom flows, it’s easy to get your users up and running quickly.

Starting Price: $2 per month

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Stripe Financial Connections

Stripe

Stripe Financial Connections lets your users securely share their financial data with you. Integrate once to retrieve financial data and use it to streamline payments, reduce fraud, and underwriting risk, and build new products. Let your users connect their financial accounts in seconds to improve payments and product experiences. Embed our authentication flow into your mobile app or website, or easily add it to our payment UIs in the dashboard. Authenticate accounts and maximize conversion with a streamlined user experience. Instantly verify bank accounts and retrieve permissioned data from a broad set of 5,000 financial institutions. Fall back to our hosted micro deposit flow for any other US financial institution. Reduce development time by using a single Stripe integration to connect to users’ accounts and power common processes, such as onboarding and payments. Get access to the data your users have shared with a few lines of code.

Starting Price: $1.50 per account

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Method

Embed loan repayment, data, balance transfers and automation - all through a single API. Method allows developers to engage with their users’ debts with our debt-agnostic solution. Lower lending risk and increase revenue by engaging directly with your users' debts. Method connects to all student loan, credit card, auto loan, mortgage, and utility bill merchants out there. Method's APIs don't break and the users never have to re-authenticate. Method handles compliance requirements, identity verification, and bank partnerships so you can focus on building. Initiate payments to any of a user's liabilities. Settlement in as little as a couple of minutes. Instantly retrieve all their liabilities - no credentials required. Method will return real-time data for all liabilities for a user. Attract top talent and retain employees by addressing one of their top concerns: financial wellness.

Starting Price: $2,000 per month

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Best Embedded Finance Platforms in the Middle East

Compare the Top Embedded Finance Platforms in the Middle East as of January 2026

What are Embedded Finance Platforms in the Middle East?

Plaid

Wallester

Gr4vy

Stripe

Razorpay

Meld

SDK.finance

lemon.markets

VoPay

Solid

Column

Basiq

Extend

TrueLayer

AlphaPoint

Spinwheel

Alviere Hive

Lendflow

Wallet Engine

Flywire

Liberis

Weavr

Modern Treasury

CARD91

NovoPayment

OneVest

Teller

Stripe Connect

Stripe Financial Connections

Method

Best Embedded Finance Platforms in the Middle East

Compare the Top Embedded Finance Platforms in the Middle East as of January 2026

What are Embedded Finance Platforms in the Middle East?

Plaid

Wallester

Gr4vy

Stripe

Razorpay

Meld

SDK.finance

lemon.markets

VoPay

Solid

Column

Basiq

Extend

TrueLayer

AlphaPoint

Spinwheel

Alviere Hive

Lendflow

Wallet Engine

Flywire

Liberis

Weavr

Modern Treasury

CARD91

NovoPayment

OneVest

Teller

Stripe Connect

Stripe Financial Connections

Method

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