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.
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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 contract pairs a platform access charge with usage-based charges. You pay a base fee for access to the Finxact Platform. On top of that, your bill scales with how much you use, since the core runs on consumption-based pricing. The SaaS Costs dimension covers your variable Finxact consumption. The Additional SaaS Costs dimension captures further consumption beyond that base usage. Together, the two usage dimensions let your cost grow with actual processing activity, while the platform access charge stays as your foundational fee.
Top-of-mind questions for buyers
The platform charge is your foundational access fee. The two usage dimensions meter your actual processing activity on the core. Because the platform runs on consumption-based pricing, your bill grows as processing volume rises. All charges appear together, so the access fee stays fixed while usage charges scale independently.
Core payment processing for a single banking entity is included in the Finxact Platform, per the seller. This covers ACH order initiation, incoming check processing, and integrated debit card processing. Broader capabilities like multi-bank processing and Fedwire messaging fall under Finxact Payment Rails, which may draw on your consumption-based usage charges.
Both meter your consumption of the core platform. The SaaS Costs dimension covers your base variable Finxact consumption. The Additional SaaS Costs dimension captures further consumption beyond that base level. Both bill by usage and appear on the same invoice alongside the fixed platform access charge, so your total reflects actual processing activity.
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Refund details can be found via Private Offer agreement
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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
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