Instead of Stripe Treasury
Stripe Treasury alternatives
Stripe Treasury brings money management into the same financial stack as payments: businesses can receive, hold, send, and spend funds, access settled Stripe balances, and manage multicurrency balances and conversion. It also offers payouts to 160+ countries, debit cards, accounting integrations, automated reconciliation, and embedded accounts for platforms. Treasury is available through API and web. There is no monthly fee or minimum balance; ACH funding is included, wire funding costs $2.00 per wire, and conversion, payout, and FX fees may apply. Eligible USD funds held at Fifth Third Bank may qualify for deposit insurance, subject to conditions.
- 1
Railsr
Free plan APIWebBrands embedding wallets, transfers, cards, and rewards — Railsr packages wallets, multiple card types, transfers, rewards, and close to 100 integrations behind a single API and commercial agreement.
- 2
Swan Cards
Free plan AndroidAPIiPhone+2European software companies embedding white-label banking — Swan adds white-label banking interfaces, Mastercard card packages, and configurable card rules, with package-specific spending limits and FX fees.
- 3
NymCard
Paid AndroidAPIiPhone+2Card programs needing lending, crime controls, or on-premise deployment — NymCard combines card issuing, lending, financial-crime tools, wallet payments, and deployment options that include fully on-premise.
- 4
Paynetics Card Issuing
Paid AndroidAPIiPhone+1Custom card programs linked to IBAN accounts or eWallets — Paynetics focuses on customizable Visa and Mastercard issuing, with cards linked to dedicated IBAN accounts or integrated eWallets.
- 5
Treezor
Paid AndroidAPIiPhone+1Embedded finance needing IBANs and mobile authentication tools — Treezor adds virtual and local IBANs, payment acquisition and third-party collection, plus dedicated sandboxes and mobile authentication SDKs.
Pricing on request Visit site - 6
Unit
Paid AndroidAPIiPhone+1Embedded finance needing lending, RTP, wires, or checks — Unit adds credit products, multiple money-movement methods, settlement-level ledger visibility, and developer tools such as simulations and data warehouse sync.
- 7
Vodeno Cloud Platform
Paid AndroidAPIiPhone+1Banking services needing EU passporting and legacy integration — Vodeno adds savings, lending, and BNPL, a no-code process methodology, a legacy Integration Bridge, and access to Aion Bank’s licence.
Pricing on request Visit site - 8
Griffin
Free plan APIWeb - 9
Mbanq Cloud
Free trial AndroidAPIiPhone+1 - 10
Airwallex Embedded Finance
Paid APIWeb - 11
Modulr
Paid AndroidAPIiPhone+1 - 12
Decentro
Paid APIWeb - 13
Moov
Paid AndroidAPIiPhone+1 - 14
Baasic
Paid API - 15
ClearBank Embedded Banking
Paid API - 16
Galileo
Paid APIWeb - 17
Highnote
Paid APIWeb - 18
Increase ACH
Paid APIWeb - 19
Rapyd
Paid AndroidAPIiPhone+1 - 20
Bankly
Paid APIWeb - 21
Column
Paid APIWeb - 22
Dock
Paid APIWeb - 23
OpenPayd
Paid APIWeb - 24
Weavr
Paid AndroidAPIiPhone+1 - 25
Integrated Finance
Paid APIWeb - 26
Treasury Prime
Paid APIWeb
A different provider may be a better fit for a white-label banking layer, broader card-program choices, lending capabilities, or deployment options beyond Treasury’s API and web access. Compare the account and payment services you need, card controls, compliance tools, integration model, and geographic coverage. Pricing also deserves a close look: several alternatives price on request, while Swan lists a paid tier from €2,990 per month. Map the flows your product needs—such as wallets, cards, transfers, or lending—and check which platform offers those capabilities without assuming that every alternative covers Treasury’s currencies, payout reach, or fees.
← Back to Stripe Treasury The whole banking-as-a-service platforms list