01
Digital Wallets
Allow users to fund, hold, and spend balances directly inside your product.
Turn Your Platform Into A Financial Ecosystem
Connect wallets, payments, payouts, and other banking capabilities to your platform using Sterling Bank's secure APIs.
- Secure banking infrastructure
- Flexible API integration
- Built for business scale
Financial capabilities that stay inside your customer experience.
MarketplacesFintechsSaaS
platformsLarge
enterprises
Power Every Side Of The Transaction
Build the financial layer your product needs today, then expand as your customers and transaction volumes grow.
02
Payments & Collections
Accept and reconcile customer payments using reliable payment rails and settlement processes.
03
Instant Payouts
Send real-time disbursements to users, vendors, and operational partners.
04
Checkout Infrastructure
Create smoother checkout experiences and reduce friction across payment channels.
05
Co-branded Cards
Offer cards connected to your product experience, including spend controls and reward options.
06
Loyalty & Cashback
Encourage repeat usage with incentives tied to customer activity.
See How Businesses Use Embedded Banking
Choose an industry to see where Sterling's banking capabilities fit into everyday customer and partner journeys.
Industry use case
Marketplaces
Enable smooth transactions between buyers and vendors.
Use cases
- Vendor payouts
- Commission collection
Automate the movement of funds between buyers and sellers, manage commissions more efficiently, and support secure, transparent transactions.
Talk to usGet Started
Submit your business details to receive an implementation path tailored to your product and transaction profile.
- 01Tell us about your business and transaction flow.
- 02Choose the capabilities you want to enable.
- 03Our team will scope the right implementation path.
Frequently Asked Questions
Clear answers on fit, security, implementation, scale, and support.
What is embedded banking?
Embedded banking lets businesses place financial services such as wallets, payments, collections, payouts, and cards directly inside their customer experience.
What does embedded banking mean for my business?
It allows financial services to remain within your platform, keeping users inside your ecosystem while giving your business more control over transactions, convenience, and growth opportunities.
Who is this service best suited for?
The service is aimed at businesses with active transaction flows or large digital user ecosystems, including marketplaces, fintechs, payroll and HR platforms, SaaS companies, retail platforms, and large enterprises. Businesses serving customers or partners digitally and needing efficient money movement are strong use cases.
What can I enable with this service?
Available capabilities depend on your business model and use case and can include:
- Digital wallets
- Payments and collections
- Bulk or instant payouts
- Checkout experiences
- Co-branded cards
- Loyalty and cashback solutions
How long does integration take?
Implementation time depends on technical readiness and solution complexity. Simpler integrations may take only a few days, while more advanced setups can require additional time. Sterling works with your business to define scope and support deployment.
How does this help my business grow?
Embedded banking can support new revenue opportunities, stronger customer retention, simpler operations, and a more complete customer journey within your business platform.
Is this service secure?
Yes. The solution runs on secure banking infrastructure designed with the safeguards, controls, and reliability required for business-scale operations.
Can this scale with my business?
Yes. The service is designed to support businesses at different growth stages, from emerging platforms to large ecosystems processing high transaction volumes. Capabilities can be expanded over time.
What kind of support do we get?
Support covers business onboarding, solution scoping, and technical integration, from initial discovery through implementation and launch.