Embedded finance

Weaving finance into your digital product, seamlessly

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A definition

What is embedded finance?

“Put simply, embedded finance is the placing of a financial product in a non-financial customer experience, journey or platform”


McKinsey & Company

Who is embedded finance for?

For non-financial businesses that want to offer their customers financial services

Your customers have high standards when it comes to digital interactions. They won’t stand for clunky processes, especially when it comes to the way their financial experiences are handled. Embedded finance enables you to:

  • Design a seamless customer experience with money moving invisibly inside your platform
  • Offer convenient payment methods including virtual and plastic cards, Apple Pay and Google Wallet
  • Set budgets and controls for specific purposes, decreasing the chance for human error
  • Automate reconciliation, which saves time and money – a win-win
“Any business involved in payment flows should take advantage of the game-changing opportunity to own the payment process. Businesses that don’t take the step to becoming financially integrated will soon fall behind the competition.”
Alex Mifsud
Weavr Co-Founder and CEO

Financial services that 2x your revenue

  • Generate more revenue from existing customers

    Embedding financial services can more than double your revenue per user.
  • Acquire new customers

    85% of companies report that embedding financial services helps them to acquire new customers without increasing marketing spend.
  • Retain customers for longer

    Bringing payment flows into your product improves user experience, and satisfaction and axe churn.
  • Build and launch in just 5 weeks

    Launch, validate and earn revenue from your new financial superpowers in just a few weeks and at a fraction of the cost of Banking as a Service.
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Use cases

Embedded finance brought to life

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Guide

What is embedded finance?
Everything you need to know to supercharge your business.
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Paystratus Group Ltd 2019-2023, All rights reserved.
Weavr is the trading name for Paystratus Group Limited, a company registered in England and Wales with registration number 11677111 and registered office at 128 City Road, London EC1V 2NX United Kingdom.

The Payment account and Mastercard cards are issued by Paynetics AD (via Paystratus Group Ltd, a Technical Provider of Paynetics AD) with company address 76A James Bourchier Blvd, 1407 Sofia, Bulgaria, company registration number 131574695 and VAT BG131574695, pursuant to license by Mastercard International Incorporated and Bulgarian National Bank.

To ensure your funds are safe Paynetics follow a process known as ‘safeguarding’ which is a regulatory requirement for all EMIs. In this process Paynetics keeps your money separate from its own money and place it in a safeguarding account with a Bank.

Electronic Money issued is not covered by any Deposit Guarantee Scheme which is a government backed scheme offering protection to customers’ funds of up to €100,000 (£85,000 in the UK under the FSCS) per customer. However, in the event of an insolvency, your funds would remain in the safeguarded account at the designated Bank and separated from Paynetics’ accounts.

In the event of Paynetics going out of business, an insolvency practitioner would be appointed to return the funds Paynetics has safeguarded to the customers. This means you would get most of your funds back, except for the costs deducted by the insolvency practitioner for returning the funds to the customers
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