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In brief
- Integrated payment solutions can combine payment acceptance, payouts, accounts, wallets, cards, FX, and cross-border capabilities within a single infrastructure.
- Providers differ significantly in payment model, regulatory setup, geographic coverage, integration approach, and the level of financial infrastructure they manage.
- The right platform should match the required payment flows, target markets, compliance responsibilities, and the amount of infrastructure a business wants to build itself.
- Similar feature lists can support very different use cases, so operating model and implementation requirements matter as much as product breadth.
Depending on the provider, they may also include accounts, wallets, cards, payouts, FX, and cross-border payment capabilities. This guide reviews ten platforms — Framnex, Adyen, Airwallex, Rapyd, Nium, Stripe, Mangopay, OpenPayd, Weavr, and Swan — with a focus on their payment capabilities, broader financial infrastructure, and typical use cases.
Disclaimer: Integrated payment solutions featured in this article include Framnex alongside other market providers. The comparison applies the same assessment criteria across all platforms to support a balanced review. Product features, availability, pricing, and other details may change after publication; verify the latest information with the relevant provider.
What Are Integrated Payment Solutions?
Integrated payment solutions connect payment functionality directly with a business’s existing product or operational environment. They can support activities such as accepting payments, sending payouts, managing payment flows, and embedding financial actions into customer-facing experiences.
The scope differs by provider. Some platforms focus primarily on payment processing, while others combine payments with additional capabilities such as accounts, wallets, card issuing, FX, and cross-border money movement.
Businesses use integrated payment solutions to reduce the number of separate systems they need to manage, keep payment flows within their own product experience, automate financial operations, and support additional financial features as they scale.
The comparison below looks at four areas for each platform: what the company offers overall, its integrated payment capabilities, the broader financial infrastructure available alongside payments, and the business models or use cases it supports.
What to Look for in an Integrated Payment Solution
The right integrated payment solution depends on the payment flows, markets, and financial capabilities a business needs. The main areas to evaluate are:
Payment Methods and Rails
Check which payment methods and payment rails the platform supports, including cards, bank transfers, direct debits, digital wallets, and local payment methods. Availability can differ significantly by country and business model. Stripe, for example, supports cards alongside bank-based, wallet, real-time, and other local payment methods.
Accounts, Wallets, Cards, FX, and Payouts
Payments may be only one part of the required infrastructure. Businesses that need to hold balances, issue cards, manage wallets, convert currencies, or send payouts should check whether these capabilities are available within the same platform or require additional providers.
Cross-Border Capabilities
For international operations, consider supported currencies, local payment methods, FX, international payouts, and the markets in which the platform can operate. Local payment preferences and requirements vary by country, making geographic coverage an important part of payment infrastructure.
Integration Model and APIs
Review how the platform connects to the existing product. Relevant options can include APIs, SDKs, embedded UI components, hosted checkout, and webhooks. Adyen, for example, supports API-based integrations as well as pre-built interfaces and webhooks for payment status updates.
Compliance and Operational Infrastructure
Payment infrastructure also involves authentication, security, fraud controls, disputes, reporting, and reconciliation. Requirements can vary by market and integration model; in Europe, for example, payment flows may need to support PSD2 Strong Customer Authentication.
Scalability and Geographic Coverage
Finally, evaluate whether the platform can support the countries, currencies, payment methods, transaction flows, and additional financial capabilities the business may need as it grows. A suitable solution should reduce the need to rebuild the payment stack each time the product enters a new market or adds another financial function.
Integrated Payment Solution Providers
The platforms below overlap in many capabilities, but they approach integrated payments from different starting points. Some are built primarily around payment acceptance and acquiring, others around cross-border money movement, marketplace payment flows, embedded finance, or broader white-label financial infrastructure.
This distinction matters because similar feature lists can support very different use cases. The profiles below therefore focus not only on what each platform offers, but also on how its payment infrastructure is structured, which business models it is designed for, and where its broader financial capabilities fit around payments.
Framnex
Framnex provides white-label fintech and embedded finance infrastructure for businesses building branded financial products. It combines payments, accounts, wallets, cards, FX, compliance workflows, and external provider connectivity within one product layer. Regulated activities are performed by the applicable licensed parties under the selected operating model.
The platform is designed for businesses that already have customer relationships and want to add financial products to their existing proposition. Typical use cases include payment providers, FX brokers, marketplaces, digital-asset platforms, and fintechs.
A key part of the model is that customer-facing functionality can sit above multiple underlying providers. This can reduce the need to build and maintain separate integrations for each financial capability as the product expands. Businesses can integrate through APIs and webhooks, while the exact capabilities available depend on jurisdiction, regulatory setup, and selected partners.
Integrated payment capabilities
Framnex supports local and international transfers, collections, pay-ins and payouts, beneficiary management, FX conversion, and reconciliation. Payment workflows can be embedded into existing products and connected with account, wallet, card, and compliance processes.
Adyen
Adyen is a global financial technology platform that combines payments, acquiring, data, and embedded financial products in a single system. It is primarily aimed at enterprises, SaaS platforms, and marketplaces that want to manage payments and related financial capabilities through one provider.
A key distinction is that Adyen operates much of the underlying infrastructure itself, including banking licences in the EU, UK, and US, and handles onboarding, KYC, compliance, and fraud within its platform. Its broader offering includes business accounts, physical and virtual card issuing, capital, and instant payouts.
Integrated payment capabilities
Adyen supports online and in-person payments, acquiring, payment splitting, settlement, and payouts for platforms and marketplaces. Payments can be embedded directly into software products, with the same integration connecting related products such as accounts and issuing.
Airwallex
Airwallex is a global financial platform combining payments, multi-currency accounts, FX, payouts, card issuing, billing, and spend management. It serves businesses, marketplaces, and software platforms that need to accept payments, move funds internationally, or embed financial capabilities into their own products.
Its embedded model is built around connected accounts. Platforms can create customer accounts with wallets, local account details, FX, payouts, and card capabilities, while Airwallex handles the underlying banking rails, compliance, and funds custody. Availability varies by market and account type.
Integrated payment capabilities
Airwallex supports payment acceptance, connected-account payments, fund splitting, settlement, FX, and global payouts. Platforms can use Airwallex for pay-ins or keep another acquirer while using its account and payout infrastructure, with transfers available through local rails and SWIFT.
Rapyd
Rapyd is a global fintech platform combining payment acceptance, payouts, wallets, virtual accounts, FX, and card issuing. It is aimed at ecommerce businesses, marketplaces, B2B platforms, and fintech products that need to operate across multiple markets.
Its model is built around a global payments network and wallet infrastructure. Businesses can integrate through APIs, hosted solutions, or low-code tools, while Rapyd provides built-in compliance support and access to local payment and payout methods across many markets.
Integrated payment capabilities
Rapyd supports cards, bank transfers, e-wallets, cash-based methods, real-time payment networks, and local payment methods. Businesses can collect funds into Rapyd Wallets, settle to bank accounts, and send domestic or cross-border payouts to bank accounts, cards, and e-wallets in 190+ countries.
Nium
Nium is a global payments infrastructure platform focused on cross-border money movement. Its offering combines payouts, multi-currency accounts, FX, account verification, and card issuing through one infrastructure. It primarily serves financial institutions, fintechs, payroll providers, travel companies, marketplaces, and other businesses with international payment flows.
Its main distinction is the breadth of its payout network and licensing footprint. Nium supports 190+ payout countries, 100+ currencies, and 100+ real-time corridors, while operating through licences and registrations across more than 40 markets. Customers still remain responsible for their own regulatory authorisation where required.
Integrated payment capabilities
Nium supports cross-border payouts to bank accounts, cards, and wallets, together with FX, local collections, beneficiary verification, and multi-currency accounts. Businesses can integrate through APIs, SDKs, or a web portal and add cards or account capabilities alongside payments where needed.
Stripe
Stripe is a financial infrastructure platform with products for online and in-person payments, billing, platform payments, card issuing, and financial accounts. Stripe Connect is designed specifically for software platforms and marketplaces that need to onboard users, move money between multiple parties, and manage payouts.
Its main distinction is the combination of payment acceptance with a broad developer platform and Stripe’s own compliance infrastructure. Connect uses Stripe’s licences and handles areas including identity verification, KYC/AML checks, sanctions screening, and payments compliance. Financial accounts and card issuing are available through products such as Treasury and Issuing, subject to market availability.
Integrated payment capabilities
Stripe supports online and in-person payments and 125+ payment methods, including cards, wallets, bank transfers, bank debits, real-time payments, and local methods. Through Connect, platforms can embed onboarding and payments, collect fees, split funds, manage payouts, and configure payment flows through APIs and embedded components.
Mangopay
Mangopay is a payment infrastructure platform built primarily for marketplaces and other multi-party platforms. Its model is centered on programmable wallets used to collect, hold, split, transfer, convert, and pay out funds between platform users.
Its main distinction is this wallet-led approach to third-party payments. In a typical integration, Mangopay acts as the payment processor and acquirer and, as a licensed electronic money institution, holds acquired funds in user wallets. Integration is available through a REST API and server-side SDKs.
Integrated payment capabilities
Mangopay supports pay-ins, wallet-to-wallet transfers, payment splitting, refunds, FX conversion, and payouts. Payouts can use domestic rails where available or SWIFT for supported international flows, while FX allows funds to be converted between wallets in different currencies.
OpenPayd
OpenPayd is a financial infrastructure platform combining accounts, payments, FX, virtual IBANs, and stablecoin capabilities through a single API. It is aimed at fintechs, marketplaces, digital-asset businesses, and other companies that need to manage international payments or embed financial functionality into their products.
Its model is infrastructure-led rather than acceptance-led: OpenPayd provides regulated account and payment services through its own group entities in the UK and Europe, while global reach is extended through payment and banking partners. Exact service availability depends on the customer location and the OpenPayd entity providing the service.
Integrated payment capabilities
OpenPayd supports domestic, international, and real-time payments through rails including SEPA, Faster Payments, BACS, CHAPS, and SWIFT. Businesses can use its REST API to manage accounts, virtual IBANs, beneficiaries, payouts, reconciliation, FX, and stablecoin-related flows within the same infrastructure.
Weavr
Weavr is an embedded finance platform for software businesses that want to add accounts, cards, and payments directly to their products. Typical use cases include expense management, accounts payable, employee benefits, and other B2B or B2C applications.
Its model combines APIs and SDKs with preconfigured financial products and compliance flows. In the UK and EU, payment accounts and Mastercard cards are issued by regulated Paynetics entities, with Weavr operating as a distributor or registered agent rather than the underlying EMI.
Integrated payment capabilities
Weavr supports managed accounts, incoming and outgoing bank transfers, internal transfers, and virtual or physical cards. Accounts can be assigned IBANs for external transfers, while APIs, SDKs, webhooks, and secure UI components connect payment activity with the host application.
Swan
Swan is a European embedded banking platform that lets software companies integrate white-labeled accounts, cards, and payments into their products. It operates across 30 European countries and is a licensed electronic money institution regulated by the French ACPR.
Its main distinction is its Europe-focused, regulated infrastructure. Swan combines local accounts, cards, payments, compliance, and country-specific banking capabilities within one platform, with integration through APIs, webhooks, and sandbox tools.
Integrated payment capabilities
Swan supports SEPA transfers, SEPA Instant, standing orders, SEPA Direct Debit, card payments, and international credit transfers in more than 40 currencies. Its account infrastructure also supports local and virtual IBANs for reconciliation and embedded payment flows.
Integrated Payment Solutions Comparison
The platforms differ not only in the financial capabilities they offer, but also in how those capabilities are delivered. Some provide acquiring and payment acceptance directly, others focus on cross-border money movement or wallet-based flows, while others provide embedded or white-label infrastructure for broader financial products.
Platform | Core payment capabilities | Adjacent financial products | Geographic focus | Primary customer segments | Integration approach | Payment model | Regulatory model | White-label capability |
Framnex | Pay-ins, payouts, domestic and cross-border transfers, collections, splits, and FX-linked payment flows. | Accounts, wallets, physical and virtual cards, FX, and digital-asset capabilities. | Multi-market; availability depends on product, provider setup, customer profile, and regulatory model. | FX brokers, payment providers, marketplaces, digital-asset platforms, fintechs, and businesses with existing customer relationships. | APIs and embedded workflows connected to external financial providers. | Modular product layer connecting payments with accounts, wallets, FX, cards, and selected providers. | Regulated activities are delivered by applicable licensed third-party providers; the setup can incorporate the customer's existing regulated infrastructure. | Yes. Framnex supports branded financial products and customer experiences, including API-connected or Framnex-delivered interfaces. |
Adyen | Online and in-person payments, acquiring, payment splitting, settlement, and payouts. | Business accounts, card issuing, and capital. | Global, with availability of embedded financial products varying by market. | SaaS platforms, marketplaces, and businesses serving merchants and SMBs. | One integration across payments and adjacent embedded financial products. | End-to-end acquiring combined with embedded financial products on a unified platform. | Adyen provides access to its licensed banking and payments infrastructure and handles onboarding, KYC, compliance, and fraud for supported products. | Yes. Payments, accounts, issuing, and capital can be embedded and white-labeled under the platform's brand. |
Airwallex | Payment acceptance, connected-account payments, fund splitting, settlement, FX, and global payouts. | Multi-currency wallets/accounts, card issuing, billing, and spend management. | Global, with connected-account and product availability varying by market. | Software platforms, marketplaces, ecommerce, and other internationally operating businesses. | APIs, connected accounts, SDKs, and pre-built components. | Connected-account model combining payment acceptance, wallets, FX, issuing, and payouts. | Airwallex provides the underlying banking rails, regulatory infrastructure, compliance processes, and custody for connected accounts. | Yes. Financial capabilities can be embedded into the platform's own customer experience, with white-label products available through API-based integrations. |
Rapyd | Card acquiring, local payment methods, collections, payouts, and cross-border payments. | Wallets, virtual accounts, card issuing, and FX. | Global, with local services depending on market and underlying network coverage. | Ecommerce businesses, marketplaces, B2B platforms, fintechs, and other digital businesses. | APIs and embedded payment flows, with hosted and other integration options. | Global payment and payout network combined with wallet, account, FX, and issuing infrastructure. | Regulated services are delivered through Rapyd entities in supported jurisdictions and selected network partners elsewhere. | Yes for selected use cases. Rapyd explicitly offers white-label solutions for embedded payout and payment flows. |
Nium | Cross-border payouts through bank, card, wallet, local, and real-time rails, with integrated FX. | Multi-currency accounts, card issuing, account verification, and other money-movement capabilities. | Global; Nium's regulatory footprint covers more than 40 licences, authorisations, and registrations. | Banks, fintechs, payroll providers, travel companies, platforms, and marketplaces. | APIs and other integration tools for payments, accounts, FX, and cards. | Cross-border money-movement infrastructure centered on payouts, FX, accounts, and issuing. | Nium operates through licensed infrastructure across supported markets, including EMI licences in the EU and UK. | Product-dependent. Nium states that white-label availability varies by product, partnership structure, jurisdiction, and regulatory requirements. |
Stripe | Online and in-person payments, platform payments, money movement, payment splitting, and payouts. | Issuing, financial accounts, billing, financing, tax, and other financial products. | Global payment coverage, with Connect onboarding available across 46+ countries. | Software platforms, marketplaces, ecommerce businesses, startups, and enterprises. | APIs, hosted interfaces, embedded components, and Stripe Connect. | Payment acceptance and multi-party payment infrastructure centered on Connect. | Connect leverages Stripe's licences and handles identity verification, KYC/AML, sanctions screening, and other payments compliance requirements. | Yes. Platforms can white-label payment workflows and build their own branded interfaces using embedded components or APIs. |
Mangopay | Pay-ins, wallet transfers, payment splitting, refunds, payouts, and FX-enabled flows. | Multi-currency wallets, virtual IBANs, FX, identity verification, and fraud tools. | Primarily focused on European and UK platform businesses, with international payment capabilities. | Marketplaces and platforms managing multi-party payment flows. | API-based integration with configurable customer-facing payment experiences. | Wallet-led infrastructure for collecting, holding, splitting, transferring, and paying out third-party funds. | Mangopay S.A. is authorised as an Electronic Money Institution in the EEA; regulatory arrangements vary by region. | Yes. Mangopay explicitly provides a white-label option allowing platforms to own the payment experience. |
OpenPayd | Incoming payments, domestic and international transfers, real-time rails, SEPA, SWIFT, and FX. | Multi-currency accounts, virtual IBANs, FX, and digital-asset infrastructure. | International payment reach, with regulated entities operating in the UK and Europe. | Fintechs, marketplaces, platforms, and digital-asset businesses. | Developer-focused API connecting accounts, payments, FX, and related infrastructure. | Account and payment infrastructure rather than primarily merchant acquiring. | Fiat services are provided through regulated OpenPayd entities in the UK and Malta; digital-asset services are provided through a separately regulated group entity. | Financial capabilities can be embedded into customer-facing products through OpenPayd's API; the exact branding model depends on the product and implementation. |
Weavr | Account funding, transfers, outgoing payments, and card transactions embedded into software workflows. | Managed accounts in GBP, EUR and USD, virtual and physical cards, and KYC/KYB workflows. | UK and EU for its current regulated account and card programmes. | SaaS and product companies, including expense management, accounts payable, employee benefits, and other B2B/B2C applications. | REST APIs, SDKs, secure UI components, sandbox tools, and webhooks. | Embedded accounts, cards, and payments designed to operate natively inside third-party software. | In the EU and UK, accounts and cards are issued by regulated Paynetics entities, with Weavr acting as registered agent or distributor. | Yes. Weavr is designed to keep financial functionality inside the customer's own branded UX and also offers white-label infrastructure for financial institutions. |
Swan | SEPA transfers, SEPA Instant, direct debit, card payments, and international transfers. | Business accounts, local and virtual IBANs, and physical and virtual cards. | Europe; Swan operates across 30 countries. | European software companies, including accounting, treasury, invoicing, HR, and other business platforms. | APIs, webhooks, sandbox tools, and embedded customer experiences. | Europe-focused embedded account, card, and payment infrastructure. | Swan is a licensed electronic money institution authorised by the French ACPR and provides regulatory and compliance infrastructure to its partners. | Yes. Swan allows banking and payment functionality to appear under the software platform's own brand. |
The additional distinctions are important because similar feature lists can represent different infrastructure models. Adyen and Stripe are strongly centered on payment acceptance and platform payments; Nium emphasizes cross-border money movement; Mangopay is structured around wallets and multi-party flows; Swan and Weavr embed regulated accounts and payments into software; and platforms such as Framnex take a broader modular approach in which multiple financial functions and external providers can sit behind a branded product experience.
Choosing the Right Integrated Payment Solution
Choosing an integrated payment solution is less about finding the longest feature list and more about matching the platform’s operating model to the product you want to build.
Start with the payment flow itself: who collects the money, who holds it, how funds are split or paid out, and whether multiple currencies or markets are involved. Then look at the surrounding infrastructure — accounts, wallets, cards, FX, compliance, and reconciliation — and decide which parts need to be available from the same platform.
The regulatory model is equally important. Some platforms provide much of the regulated infrastructure directly, while others rely more heavily on licensed partners or a combination of providers. This affects onboarding, geographic availability, implementation scope, and the responsibilities that remain with the business.
Integration should be evaluated in the same way. APIs and SDKs may look similar on paper, but the practical difference is how much of the customer journey, compliance flow, reporting, and operational logic the business still needs to build and maintain itself.
The most suitable option is therefore the one that fits the required payment flow, regulatory setup, target markets, and level of infrastructure ownership — not simply the one with the broadest product catalogue.