Sold by: Finxact
Deployed on AWS
Finxact from Fiserv helps banks, fintechs, and embedded finance programs launch new financial products faster, eliminate batch processing constraints, and scale without replatforming. The cloud-native, API-first core banking platform powers 45M+ live accounts and serves institutions from digital startups to banks with $80B+ in assets.
Overview
Finxact replaces siloed legacy cores with a single, asset-class-agnostic platform built API-first from day one. A componentized product factory lets institutions assemble deposit and lending products from reusable building blocks and offer multiple financial positions (spend, save, borrow) within one account. Every function and data element is accessible through thousands of RESTful API endpoints with role-based access control and full-stack traceability.
Finxact processes transactions and updates balances in real time, 24/7/365, with no end-of-day batch reconciliation. Embedded Payment Rails include a FedACH direct connection for automated ACH file transmission and a FedLine Direct connection for real-time Fedwire payments, enabling straight-through processing from order entry to transaction posting. A governed extensibility model lets institutions author custom business logic without code branching or upgrade friction.
Backed by Fiserv and named Best SaaS for FinTech at the 2026 FinTech Awards, Finxact serves over 35 institutions from digital-native fintechs to large regional banks with $80B+ in assets. Clients include Flagstar Bank, First Horizon, Live Oak Bank, DoorDash, and Credit One. This listing is for Private Offers only. Contact info@finxact.com to discuss your private offer.
Highlights
- Componentized Product Factory with Multi-Position Accounts: Assemble deposit and lending products from reusable components (interest, fees, limits, term, repayment) across asset classes, and combine multiple financial positions within a single account to deliver personalized customer experiences while providing a holistic relationship view
- Extensible: Designed for innovation and adaptability, Finxact allows you to author and ingest new schema and add new data objects and attributes. This enables users to highly adapt their specific Finxact instance, while avoiding code branching, difficult upgrades, scalability challenges, and other inconveniences traditionally tied to software customization.
- AI-Powered Platform Intelligence: Finxact Pro, a generative AI assistant, accelerates configuration, API development, and testing. Finxact Connect extends Pro into an AI-powered agent that retrieves live environment data, generates configuration payloads, and performs actions with approval.
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Pricing
Pricing is based on the duration and terms of your contract with the vendor, and additional usage. You pay upfront or in installments according to your contract terms with the vendor. This entitles you to a specified quantity of use for the contract duration. Usage-based pricing is in effect for overages or additional usage not covered in the contract. These charges are applied on top of the contract price. If you choose not to renew or replace your contract before the contract end date, access to your entitlements will expire.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Dimension | Description | Cost/month |
|---|---|---|
Finxact Platform | Access to Finxact Platform Costs | $0.001 |
Dimension | Description | Cost/unit |
|---|---|---|
SaaS Costs | Variable Finxact Consumption Costs | $0.001 |
Additional SaaS Costs | Additional Variable Finxact Consumption Costs | $0.001 |
Dimensions summary
This listing uses a contract-based model with three pricing dimensions. The Finxact Platform dimension covers your base access to the core banking platform. The two consumption dimensions bill based on your actual usage of the platform. Variable Finxact Consumption Costs track your standard usage, while Additional Variable Finxact Consumption Costs capture usage beyond that baseline. This structure separates a platform access cost from usage-driven charges. Because the platform runs in the cloud, your consumption charges scale with how much you process. You combine platform access with the consumption dimensions that match your activity.
Top-of-mind questions for buyers
The platform processes transactions in real time and scales horizontally to handle tens of millions of positions at high transaction rates. Your consumption charges rise as you process more positions and transactions. The platform runs in the cloud, so costs track actual processing activity rather than a fixed capacity.
The Finxact Platform dimension bills your base platform access. The two consumption dimensions bill separately based on usage. Variable Finxact Consumption Costs track standard usage, while Additional Variable Finxact Consumption Costs capture usage beyond that baseline. All three add together on the same invoice, with consumption charges driving the variable portion.
Yes. The platform uses consumption-based pricing and runs in the cloud, so charges move with how much you process. Higher transaction and position volumes raise your consumption dimensions. Lower activity reduces them. Platform access remains a separate base cost that does not vary with usage.
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Vendor refund policy
Refund details can be found via Private Offer agreement
Custom pricing options
Request a private offer to receive a custom quote.
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Delivery details
Software as a Service (SaaS)
SaaS delivers cloud-based software applications directly to customers over the internet. You can access these applications through a subscription model. You will pay recurring monthly usage fees through your AWS bill, while AWS handles deployment and infrastructure management, ensuring scalability, reliability, and seamless integration with other AWS services.
Resources
Support
Vendor support
While Finxact is delighted to deliver the revolutionary platform, we are equally as driven to provide our clients with high-quality, time-effective system support. For more information, please reach out to us at info@finxact.com .
AWS infrastructure support
AWS Support is a one-on-one, fast-response support channel that is staffed 24x7x365 with experienced and technical support engineers. The service helps customers of all sizes and technical abilities to successfully utilize the products and features provided by Amazon Web Services.
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