Skip to main content


Unlock easy-to-integrate solutions that stack up

A BaaS platform with your name on it

Finaptic gives you unprecedented access to white-label financial products and regulated financial services. And while we’re always here to help, our customizable APIs put you in control of the customer experience.

Savings and Transaction Accounts

Our purpose-built, real-time banking platform offers the most convenient, flexible bank accounts on the market. Accounts that are fully integrated into your customers’ digital lives and Canada’s payments ecosystem.

Choose features, branding, and pricing tailored to your ideal client experience and gain unprecedented insight into income, spending, and saving behaviours.


  • Link transaction accounts to debit, Interac e-Transfer® and bill payment capabilities
  • Fees and rates optimised for your own customers
  • Deliver a seamless, end-to-end digital experience

Credit Cards

Today’s consumers expect products and services that simplify their lives and serve their specific needs. A branded credit card can help you do just that.

Elevate your offering and strengthen customer loyalty with customizable credit cards and rewards programs that keep your company top-of-mind.


  • Offer loyalty points, cashback, travel insurance and other incentives
  • Custom card design branded with your logo and colours
  • Digital and plastic form factors


Empowering your customers to buy what they want, when they want drives their satisfaction and your top-line sales.

Our competitive pricing and state-of-the-art credit scoring ensure your customers stay with you for the long-haul rather than switching to larger lenders.


  • Revolving and instalment credit
  • Credit decision-making using traditional and alternative data sources
  • Backed by a Tier 1 balance sheet

Analytics & Reporting

Our real-time, event-driven platform generates vast amounts of data on customer spending, earning and investing behaviours.

Finaptic helps you leverage this data to improve your customer experience, retention and profitability.


  • Highly secure data environment, compliant with all privacy requirements
  • Leading-edge, ML-driven analytics
  • Real-time, event-driven responses

Regulation & Compliance

Canada’s trusted banking system has been built on a rigorous regulatory regime, a common deterrent for new entrants.

Our team of in-house experts handles everything related to regulation and compliance, so you can focus on what’s really important—your customers.


  • Operating under the banking licence of a Tier 1 bank
  • Fintrac, OSFI and FCAC requirements built into system design
  • In-house experts at the leading edge of compliance innovation

How do we stack up?

Finaptic is the only offering of its kind in Canada. Here’s why.


We offer unprecedented access so you can deliver unrivaled experiences.


Our product breaks down barriers, helping you compete against established financial institutions.


We offer cloud-based solution APIs, so your customers can enjoy secure transactions within your platform.


Our cloud-by-design, from-the-ground up build ensures you and your customers enjoy issue-free service.


We don’t take the financial affairs of your most valued customers lightly. Trust drives everything we do.