BUILT FOR ISOS AND MERCHANT SERVICES PROVIDERS

Turn merchant banking into recurring revenue

Offer branded savings, checking, and treasury solutions to your merchants. FinOpti handles the banking infrastructure, compliance, onboarding, and support while you create recurring revenue, strengthen retention, and increase portfolio value.

Launch in one week
No upfront or ongoing cost
SOC 2 compliant
Bank-Backed Products
The Business Opportunity

How branded banking can increase revenue and loyalty

Payment processing has become increasingly competitive. Growing your business today means creating more value from the merchants you already serve.

FinOpti helps merchant services providers expand beyond payments with branded banking solutions that create new recurring revenue opportunities, increase portfolio value, and strengthen merchant relationships.
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01

Create New Revenue Streams

Generate additional recurring revenue opportunities from your existing merchant portfolio.
02

Increase Merchant Lifetime Value

Deliver more value to merchants while expanding the relationship beyond payment processing.
03

Strengthen Merchant Retention

Give merchants financial tools they'll actually use, creating more reasons to remain your client.
HOW IT WORKS

Branded banking built for growth

FinOpti gives you everything you need to offer banking products fully under your brand, creating additional value for both your business and your merchants. Launch products with ease while we handle the infrastructure behind the scenes.
FULL BANKING CAPABILITIES
High-Yield Savings
Help merchants earn more on their idle operating cash with high-yield business accounts designed for everyday business needs, including instant access to transfer.
Business Checking
Provide merchants with a branded business checking experience designed to grow alongside their business.
Treasury Management
FinOpti's platform is built to grow with your merchant portfolio.
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How it works

Launch White-Label in One Week

01
Decide on account offering
02
Upload brand assets
03
Personalize landing page copy for your brand
04
Embed a link on your website
05
Launch your branded banking product
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WHY FINOPTI

Everything is managed and built to scale

Launching banking products shouldn't require building infrastructure or adding operational complexity. FinOpti manages the details so you can focus on growing your business and serving your merchants.

You focus on growing your merchant portfolio. We'll handle the banking.
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Fast Implementation
Launch quickly with a turnkey solution designed specifically for merchant services providers.
Managed Compliance
We handle KYC, compliance requirements, and banking operations.
Minimal Operational Lift
No banking expertise or additional headcount required.
Secure Banking Infrastructure
Secure banking infrastructure backed by trusted banking partners.
Ongoing Partner Support
Support before launch and throughout the life of your program.
FAQ
Do I need a banking license?
No. FinOpti is a financial technology company, not a bank. Banking services are provided by our partner bank, OMB Bank, Member FDIC.
How quickly can we launch?
The platform can launch branded banking in about one week, and customer onboarding takes less than three minutes online.
Is the banking experience branded to my business?
Yes. The banking experience is fully white-labeled under your brand, from the interface to every customer touchpoint. The design just needs your branding.
How do I generate revenue?
Your customer earns much higher deposit rates, and you earn a spread above that rate, with no upfront or ongoing cost to you.
How is compliance handled?
FinOpti and our partners handle KYC, compliance, and operations, including approvals. The platform is fully SOC 2 compliant.
Are customer funds insured?
Yes. Funds are deposited at OMB Bank, Member FDIC, and held by OMB Bank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks for access to millions of dollars in FDIC insurance in aggregate across the accounts. See the disclaimer section on the site.
What banking products are available today?
High-yield accounts and business checking accounts are currently available.
What products are coming next?
Additional banking products built specifically for merchants, including cash management tools and payments capabilities.
Ready When You Are

Ready to earn more from your portfolio?

Your merchants already trust you. Give them more reasons to stay.

No heavy lift. No compliance burden. Create new revenue opportunities with banking under your brand.

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Banking services are provided by our partner bank(s), Member FDIC. FinOpti is a financial technology company, not a bank.