No. 15of 31 ·Banking-as-a-Service Platforms

Newline by Fifth Third

API

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Freedom report

One barScore 5.4

Runs widely0 of 6 device platforms
DocumentedPlans, terms and facts published

Newline by Fifth Third is ranked #15 of 31 in banking-as-a-service platforms on Freedom251. It runs on API.

Compared on banking-as-a-service platforms

Card issuing: Yes
Embedded accounts: Yes
KYC/AML tools: Yes
Ledger: Yes

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The record

Product: Newline is an API-first platform for launching embedded payment and deposit solutions directly with Fifth Third Bank.
Payments: Its payment options include ACH, wires, book transfers and instant payments over the RTP network; FedNow is listed as coming soon.
Cards: Newline offers commercial credit and prepaid debit card programs, with virtual and physical card formats.
Accounts: The platform supports virtual reference numbers, custodial accounts and other account solutions for different funds flows.
API documentation: Developer documentation includes guides, recipes, API reference, a changelog, onboarding resources and a sandbox.
Customization: Newline describes its solutions as customizable so customers can use only what they need.
Compliance: The maker says the platform includes bank-grade compliance oversight and is backed by Fifth Third’s risk management oversight.
Support: Newline says its sales and partnership team can help with questions, ideas and integrations, and its team supports products from development through launch.
Target customers: Newline identifies payment processors, fintech companies, payroll and HR software providers, and accounts payable and receivable platforms as customer groups.
Bank relationship: Newline is a division of Fifth Third Bank, National Association, Member FDIC.
Product conditions: The maker states that credit products are subject to credit approval and mutually acceptable documentation, and that deposit and credit products are offered by Fifth Third Bank.
Pricing: The opened maker pages direct prospective customers to contact Newline and do not state a price.
Purpose: Newline is an API-first platform for launching embedded payment and deposit solutions with Fifth Third Bank.
ACH: The platform can originate ACH payments to collect and send funds.

Where it ranks on Freedom251

Best Banking-as-a-Service Platforms in 2026#15 of 31

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Sources

newline53.com· checked 9 Oct 2026
newline53.com/solutions/payments.html· checked 9 Oct 2026
newline53.com/solutions/card.html· checked 9 Oct 2026
newline53.com/solutions.html· checked 9 Oct 2026
developers.newline53.com/docs/welcome· checked 9 Oct 2026
newline53.com/solutions/accounts.html· checked 10 Oct 2026
developers.newline53.com/reference/getting_started_guide· checked 10 Oct 2026
developers.newline53.com/docs/sandbox-walkthrough· checked 10 Oct 2026