ClearBank Embedded Banking vs Paynetics Card Issuing
ClearBank Embedded Banking
clear.bank
Paynetics Card Issuing
paynetics.digitalSide by side
| Figure | ClearBank Embedded Banking | Paynetics Card Issuing |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 1 |
| Spec score · Banking-as-a-Service Platforms | 7.8 (#10) | 7.9 (#9) |
| Accounts | The offering includes retail and business current accounts, savings accounts, Flexible Cash ISAs, service accounts and operating accounts. | Issued cards can be linked to dedicated IBAN accounts and integrated into an eWallet. |
| API integration | The API offering includes a simulation environment, webhook configuration for real-time notifications and a developer portal. | The API Integration channel provides a single REST API for payment accounts, card issuing, transfers, onboarding and a web Partner Portal. |
| Headquarters | London, United Kingdom | Sofia, Bulgaria |
Plans
In their own words
ClearBank Embedded Banking
ClearBank Embedded Banking has no write-up on Specifiction yet; its figures are above.
Paynetics Card Issuing
Paynetics Card Issuing provides configurable card programs for businesses and their partners. Its range includes physical, virtual, digitized prepaid, debit, credit, and business cards from Visa and Mastercard. Partners can customize card designs and configure rules, limits, controls, hierarchies, products, and pricing levels. Cards can be linked to dedicated IBAN accounts or integrated into an eWallet. The API platform supports digital onboarding and data exchange for compliance, risk analysis, and monitoring; its integration channel includes a REST API for accounts, issuing, transfers, and onboarding, plus a partner portal. Developer resources include APIs, SDKs, sandbox tools, and live operational status. Paynetics supports Apple Pay on iOS and an Android tokenisation solution based on Mastercard’s MDES protocol. A PCI-compliant SDK supports secure card-data display without partners storing or processing sensitive details. Physical card orders require at least 1,000 units, and manufacturing typically takes around two months. Pricing is on request.