Embed lending / BNPL
Offer credit, instalments or BNPL in your product. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.
How the stack fits together
Embedded lending has three parts that are often sold separately: the engine that originates, scores and services loans, the checks that decide who qualifies, and the rail that pays the money out. The regulatory question comes first - whose balance sheet and whose credit licence carry the loans - because it decides which engines you can use at all.
Step 1 — Lending / BNPL engine required
Origination, scoring and servicing of credit.
What to check: Ask who is the lender of record, whose balance sheet funds the loans, and which products - BNPL, term loans, revolving credit - are live in your markets.
In the catalogue — Lending module: 32 live providers, 24 with data in the EEA; BNPL at 10, term loans at 10, revenue-based financing at 3.
Browse all: Lending module
Step 2 — Verify and assess risk required
Identity, affordability and fraud checks.
What to check: Check access to credit-bureau data in each target market and whether affordability checks can use open-banking data.
- AMLYZE EU core Lithuania
- Authologic EU core Poland
- Cleafy EU core Italy
In the catalogue — KYC/KYB: 35 live providers, 18 with data in the EEA; document checks at 23, biometrics at 20, business (KYB) checks at 13 and national eID at 3. Fraud & AML monitoring: 14 live providers, 9 with data in the EEA; transaction monitoring at 10, sanctions and AML screening at 9, fraud detection at 8.
Browse all: KYC/KYB · Fraud & AML monitoring
Step 3 — Disburse funds optional
Pay out to an account or a card.
What to check: Confirm payout timing and whether repayments can be collected by SEPA Direct Debit from the same account.
- Adyen EU core Netherlands
- Bankera EU core Lithuania
- Banking Circle EU core Luxembourg
In the catalogue — IBAN sponsor: 52 live providers, 37 with data in the EEA; 21 IBAN country codes between them, 34 documenting SEPA Instant. Card issuing software: 62 live providers, 30 with data in the EEA; 21 also sponsor the BIN, so issuing and licence come in one contract.
Browse all: IBAN sponsor · Card issuing software
Sovereignty notes
- Keep credit data and decisioning with an EU-core provider, hosted in the EEA.