- 1Runs onAPI, Web
- 2CostsFree plan · free trial
- 3Card issuingYes
- 4Embedded accountsYes
- 5KYC/AML toolsYes
- 6LedgerYes
- 7Supported regionsUK, Europe, France, Lithuania, Poland, Malaysia
Overview
Railsr is an embedded finance platform for companies adding financial services to digital products. Its capabilities include wallets and accounts, debit, prepaid, credit and virtual cards, money transfers and reward programmes. Railsr says its APIs place these services within a brand’s digital journey, with the platform operating behind the scenes. It packages close to 100 integrations under a single API and commercial agreement. Developers can use the Play Sandbox API, a functional coding environment that uses fake money. The platform is offered through API and web and lists fintechs, sports clubs, retailers and brands among its intended customers. A free plan and trial are listed, while other pricing is available on request. For regulated services, customers contract with PayrNet, Railsr’s wholly owned subsidiary; Railsr provides technology services. Railsr says new agents or distributors cannot be onboarded without prior written FCA consent.
Who it is for
Railsr is aimed at companies such as fintechs, sports clubs, retailers and brands that want to embed financial services. Developers can use its sandbox to write code against a fake-money environment.
What is good
- Offers multiple card types, accounts and wallets.
- Sandbox provides a functional fake-money coding environment.
- Packages close to 100 integrations.
- Lists UK and several European and Asian regions.
What to know first
- Pricing beyond the free plan is on request.
- New agents or distributors need prior written FCA consent.
- Regulated services require contracting with PayrNet.
Verdict
Railsr combines embedded finance capabilities with API access and a sandbox for development. Companies should account for the separate PayrNet contract for regulated services and the stated onboarding restriction.
Railsr plans and pricing
All plansCompared on banking-as-a-service platforms
- Free plan
- Yesrailsr.com
- Card issuing
- Yesrailsr.com
- Embedded accounts
- Yesrailsr.com
- KYC/AML tools
- Yesrailsr.com
- Ledger
- Yesrailsr.com
- Supported regions
- UK, Europe, France, Lithuania, Poland, Malaysiarailsr.com
Facts
- Product
- Railsr describes itself as a global embedded finance platform for banking, wallets and cards.railsr.com · 30 Sept 2026
- Finance capabilities
- The platform offers wallets and accounts, debit, prepaid, credit and virtual cards, money transfers, and reward programmes.railsr.com · 30 Sept 2026
- API
- Railsr says its APIs integrate finance capabilities into a brand's digital journey and keep Railsr behind the scenes.railsr.com · 30 Sept 2026
- Integration model
- Railsr says its platform packages close to 100 integrations and lets customers use a single API and commercial agreement.railsr.com · 30 Sept 2026
- Sandbox
- The Play Sandbox API uses fake money and is described as a fully functional platform for writing code against.railsr.com · 30 Sept 2026
- Who it serves
- Railsr describes the platform as intended for companies including fintechs, sports clubs, retailers and brands.railsr.com · 30 Sept 2026
- Onboarding restriction
- The homepage says Railsr cannot onboard new agents or distributors without prior written FCA consent.railsr.com · 30 Sept 2026
- Licensing
- The PayrNet FAQ lists a UK electronic money institution licence, number 900594.railsr.com · 30 Sept 2026
- Payment schemes
- The PayrNet FAQ lists Visa and Mastercard principal issuing licences for the UK and Europe, UK Faster Payments and Bacs direct participation, indirect SEPA membership, and SUPE grade SWIFT membership.railsr.com · 30 Sept 2026
- Support
- Existing Railsr customers can log in to the service portal to raise a support ticket.railsr.com · 30 Sept 2026
- Company identity
- Railsr states that it is the trading name of Embedded Finance Ltd, which acquired PayrNet Ltd in March 2023.railsr.com · 30 Sept 2026
Company
- Founded
- 2016railsr.com · 28 Sept 2026
- Headquarters
- London, United Kingdomrailsr.com · 28 Sept 2026
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Sources
- railsr.com· checked 30 Sept 2026
- railsr.com/payrnet· checked 30 Sept 2026
- railsr.com/support· checked 30 Sept 2026