Banking-as-a-Service: embed payment services into your offering
With Xpollens, leverage a cutting-edge, 100% API-based BaaS platform to access payment services on demand, tailored to your business needs: launch a payment offering quickly, enhance your customer journeys, and accelerate your digitalisation.
What is Banking-as-a-Service?
Banking-as-a-Service (BaaS) is a usage-based model for consuming payment services. Flexible and scalable, it fosters innovation by enabling businesses to offer high-performance payment services without regulatory and technical complexity.
Banking-as-a-Service to launch your payment services
With BaaS, you can embed payment services directly into your products, supported by a regulatory and technological platform tailored to your project’s requirements.
Xpollens, with its proprietary core banking system and Electronic Money Institution licence granted by the ACPR, turns payments into a growth driver through a flexible and high-performance solution:
Rapid integration
via APIs
Pay-as-you-go model
with no fixed cost
Modular and scalable
cloud infrastructure
Our BaaS platform, your offering and your brand
Our comprehensive features empower you to elevate your project, providing payment services for individuals, professionals, or businesses under your brand.
Account and financial flow
- Creation and management of payment accounts (for individuals, professionals, or businesses)
- Assignment of IBANs and virtual IBANs
- Onboarding management (KYC and KYB)
Payment
cards
- Issuance of physical and virtual payment cards
- Advanced card settings: limits, usage restrictions
- Customer self-service portal for real-time access to accounts and settings
- Compatibility with mobile wallets and Xpay
Payment automation
- SEPA direct debits, transfers and instant transfers
- Real-time incoming and outgoing payments (clients, suppliers, internal transfers, etc.)
- Scheduling of complex financial flows
- Data-driven automation of financial processes
Banking-as-a-Service: a game-changer for your business
Across all sectors in France and Europe, businesses rely on us to drive growth through payment innovation. Fintechs, accounting techs, insurtechs, and crypto companies use Xpollens’ BaaS platform to launch payment solutions and apps with reduced time-to-market.
Nirio Premio: simplified everyday payments
Xpollens BaaS: The 3 pillars of your success
- Regulatory expertise: Electronic Money Institution licence
- Advanced, modular technology: Powerful APIs, scalable cloud infrastructure, microservices-based
- Tailored support: Guidance and assistance at every stage of your project
Rely on our solutions, our technology, and our expert support. With less technical and regulatory complexity, you can focus more on your core offerings, innovation projects, and customers.
Discover the Banking-as-a-Service experience
Whatever your sector, you may be looking for a secure and agile technology to embed payment and transaction management solutions quickly. Do your customer journeys need upgrading to unlock new revenue streams?
Looking for a more flexible model with a partner that combines the energy of a passionate scale-up with the reliability of a major banking group? Get in touch and unlock the full potential of BaaS.
FAQ: Banking-as-a-Service with Xpollens
What is Banking-as-a-Service (BaaS)?
Among the many “as-a-Service” models—available on-demand and priced per usage—Banking-as-a-Service (BaaS) allows businesses to integrate banking and payment services directly into their products and services. It is built on a secure technological infrastructure that gives easy access to financial services, without the burden of technical and regulatory complexity, handled by the platform provider.
What payment services can you integrate with Xpollens?
With Xpollens, you can access a wide range of solutions, including:
• Opening and managing payment accounts
• Issuing payment cards
• Automating payments using virtual IBANs, transfers, and direct debits
• Leveraging financial data to streamline your operations
Our comprehensive and modular BaaS solution enables businesses to bring their payment products to market quickly.
Is Banking-as-a-Service only for banks?
Not at all—it’s quite the opposite!
Our platform is designed for companies that want to offer accounts and payment services without becoming a bank themselves. It enables businesses across industries to integrate payment services in full compliance, thanks to our regulatory expertise and Electronic Money Institution licence granted by the ACPR.
For example, BaaS is ideal for launching the payment solutions of a neo-bank or a crypto fintech, but also for marketplaces, online gaming and travel operators, mutual insurers, and more.
How can you integrate Xpollens’ solutions into your offering?
Our platform is API-driven. This means you can easily integrate “banking” features into an app or service without building an entire banking infrastructure. APIs provide the flexibility to tailor services to your requirements and customer needs.
Our experts support you at every step to ensure smooth integration and fast user adoption.
How does Xpollens ensure regulatory compliance?
We are licensed as an Electronic Money Institution and comply with the highest security standards. We assist our clients in managing regulatory compliance and data security throughout their journey.
What sets Xpollens’ BaaS offering apart?
Xpollens combines the reliability of a major banking group with the agility of a fintech. We offer white-label solutions designed to meet the needs of fintechs, start-ups, and large enterprises. Our scalable and modular technology empowers businesses to build tailored banking services and customer journeys while accelerating time-to-market.