Embedded lending and BNPL providers in Europe
32 verified European providers, ranked European-origin first (27 EU/EEA-origin). Credit origination, BNPL and servicing. Compare by EEA data residency, licence and regulator - each verified at source.
32 verified providers
Last source verification in this list: 2026-07-19. How we verify →
At a glance (32 providers): licences: 16 not documented, 6 Bank, 5 Vendor, 3 PI, 2 EMI; EEA data residency: 24 Yes, 6 No, 2 Partial; headquarters: 25 EU core, 5 UK, 2 Wider Europe.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | HQ | Licence | EEA data | Lending type | Also offers | Verified | Intro |
|---|---|---|---|---|---|---|---|
 Aion Bank | Belgium EU core | Bank | Yes | Term loan | BaaS, Core banking | 2026-06-26 | Request intro |
 Alma | France EU core | PI | Yes | BNPL | – | 2026-06-26 | Request intro |
 Banxware | Germany EU core | – | Yes | Term loan | – | 2026-06-25 | Request intro |
 Billie | Germany EU core | Bank | Yes | BNPL | – | 2026-06-26 | Request intro |
 Defacto | France EU core | – | Yes | Term loan | – | 2026-06-25 | Request intro |
 DiPocket | Lithuania / UK EU core | EMI | Partial | – | BIN sponsor, IBAN sponsor, Card issuing software +1 | 2026-07-19 | Request intro |
 finmid | Germany EU core | – | Yes | Term loan | – | 2026-06-25 | Request intro |
 Finom | Netherlands EU core | EMI | Yes | – | Spend management | 2026-06-26 | Request intro |
 Klarna | Sweden EU core | Bank | Yes | BNPL | Payment gateway | 2026-06-26 | Request intro |
 Leanpay | Slovenia EU core | – | Yes | BNPL | – | 2026-07-13 | Request intro |
 Mambu | Germany EU core | Vendor | Yes | – | Core banking | 2026-06-25 | Request intro |
 Mondu | Germany EU core | – | Yes | BNPL | – | 2026-06-26 | Request intro |
 October Watch | France EU core | – | Yes | Term loan | – | 2026-06-26 | Request intro |
 Opyn | Italy EU core | – | Yes | Term loan | – | 2026-06-25 | Request intro |
 Riverty | Germany EU core | – | Yes | BNPL | – | 2026-06-26 | Request intro |
 SBS (Sopra Banking Software) | France EU core | Vendor | Yes | – | Core banking | 2026-06-26 | Request intro |
 Scalapay | Italy EU core | – | Yes | BNPL | – | 2026-06-25 | Request intro |
 SeQura | Spain EU core | – | Yes | BNPL | – | 2026-07-13 | Request intro |
 Silvr | France EU core | – | Yes | Revenue-based | – | 2026-06-25 | Request intro |
 Solaris Watch | Germany EU core | Bank | Yes | Term loan | BaaS, Card issuing software, BIN sponsor +1 | 2026-07-19 | Request intro |
 Twisto | Czechia EU core | PI | Yes | BNPL | – | 2026-07-13 | Request intro |
 Two | Norway EU core | – | Yes | BNPL | – | 2026-06-26 | Request intro |
 Varengold Bank Watch | Germany EU core | Bank | Yes | Term loan | – | 2026-07-19 | Request intro |
 Wayflyer | Ireland EU core | – | Yes | Revenue-based | – | 2026-07-13 | Request intro |
 Younited | France EU core | Bank | Yes | Term loan | – | 2026-06-26 | Request intro |
 Temenos | Switzerland Wider Europe | Vendor | No (CH) | – | Core banking | 2026-06-25 | Request intro |
 Teylor | Switzerland Wider Europe | – | No (CH) | Term loan | – | 2026-06-26 | Request intro |
 Capital on Tap | UK UK | – | No | Revolving | – | 2026-06-26 | Request intro |
 Finastra | UK UK | Vendor | No | – | Core banking | 2026-06-25 | Request intro |
 Liberis | UK UK | – | No | Revenue-based | – | 2026-06-25 | Request intro |
 Teya | UK / Iceland UK | Vendor | Partial | Merchant cash advance | Payment gateway | 2026-06-26 | Request intro |
 YouLend | UK UK | PI | No | Merchant cash advance | – | 2026-06-25 | Request intro |
No longer operating (1)
Kept on record on purpose: licences get revoked and providers fail, and checking status before signing is part of due diligence. These are not live options - they are left out of the list and the counts above.
- Hokodo (UK / France) - 2025: Wound down (founders launched Liquidity Lab)
FAQ
What do embedded lending and BNPL providers offer?
Credit origination, scoring, servicing and BNPL checkout - either as a licensed lender or as software on your licence. Fintechnologica lists 32 verified lending providers (27 European-origin), with the lending type (BNPL, term, revolving, invoice) flagged.
Who carries the credit risk and the licence?
It varies: some providers lend from their own balance sheet under their licence; others are software where you (or a partner bank) carry risk. That single question drives compliance, capital and data-residency requirements - it is the first thing to clarify in an RFP.