Bank-as-a-Service & Cards programs
Your one-stop shop to integrate the best BaaS and cards programs solutions. Discover how you can go live in a fraction of the time limiting investments, risks and pains.
Everything your neobank needs
Innovative financial services at your fingertips
Cost and time effective
We provide ready-to-use modular microservice solutions which saves time, errors and money on overall deployment project.
Take advantage of our multiple experiences with multiple customers and providers.
Reduce compliance burden transferring risks, compliance and internal audits to a third financial partner.
Cutting-Edge Technologies
PCI Compliant and Bank Grade Security. React JS and Node JS architecture. MongoDB database. Virtual accounts and Ibans.
Issue virtual and/or plastic, personalized or co-branded cards, compatible with Apple Pay, Google Pay and Samsung Pay wallet.
Back Grade Back-Office
Enjoy complete autonomy and tracking on data management, reporting and dashboard configuration via our Salesforce integration, complying with bank grade back-office, cards and complaints management and AML policies and monitoring controls.
Powerful Analitycs
You will realize the ease with which you can turn your data into an analytically rich experience for your business and your users. Salesforce’s self-service features allow you to access business insights and create custom dashboards, charts and graphs.
Detect anomalies, better assess risk, prevent fraud, and improve decision making.
Customer Centric
Provide a positive customer experience before and after the negotiation in order to stimulate repeat business, improves buyer and seller loyalty and business growth.
With our technology you will be able to offer excellent multichannel customer service, reminders, notifications and marketing automation through streamlined integrations.
Compliance & AML
Benefit from our experience in projecting:
- Information Systems Security Plans
- Disaster Recovery Plans
- Business Continuity Plans
- Procedures for managing complaints, alerts, disputes and litigation
- Procedures on cases of suspected fraud and Key risks monitoring
- Ticketing tools and omnichannel customer assistance
Enjoy the service your platform deserves
We take care of everything your platform needs to perform at its best!
Custom design
We offer you different solutions according to your project needs.
Use of our unique premium templates or your own custom design. Experts guidance on design thinking, product planning and brand identity. Consultancy on user experience and user interface processes. Design of bespoke algorithms and business logics.
We can offer complete hosting, technical, system and omnichannel customer assistance.
Secure and complying
Complying with the highest European KYC/AML standards and EU regulations, we offer our know-how and assistance in negotiation to become agent / distributor of the leading payment institutions and to make you inherit the verified trust as a financial institution.
Exceeding your expectations
We love to exceed our customers’ expectations, considering each project as if it were our own brand.
We look towards long-term partnership, focusing on our client’s needs, diagnosing, anticipating and solving problems efficiently, offering viable solutions.
We are technological partner of the best Banking-as-a-Service and payment services:
Frequently asked questions
What is Bank-as-a-Service?
Bank-as-a-Service lets a non-bank company offer accounts, IBANs, cards and payments under its own brand, using the licence and infrastructure of a payment institution or electronic money institution. The institution handles the regulated side; the company owns the customer relationship and the product.
Can I issue cards with my own brand?
Yes. Through the BaaS partner you can issue virtual and physical Mastercard cards, personalised or co-branded, that work with Apple Pay, Google Pay and Samsung Pay.
Do I need a banking licence to launch a neobank?
Not if you work with an electronic money institution or payment institution such as Treezor, which holds the licence and the customer funds. You still go through the institution’s onboarding and compliance checks for your programme.
What does GrowishPay build in a BaaS project?
The customer app and web platform, onboarding and KYC flows, the back office, the integrations with Treezor and other providers, and ongoing development after launch.
Which BaaS projects have you delivered?
Solidus (IBAN account, Mastercard and physical gold in one app), PAAV (SEPA Direct Debit collections and a consumer account for energy resellers) and WorkOnt (a B2B neobank for German SMEs), all on Treezor.
Let’s embed finance together!
Let us know your ideas and needs and we will be in touch shortly