Column vs Integrated Finance
Column
column.com
Integrated Finance
integrated.financeSide by side
| Figure | Column | Integrated Finance |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 0 |
| Spec score · Banking-as-a-Service Platforms | 7.7 (#12) | 7.2 (#23) |
| Compliance | Column’s card-program guide says it performs BSA/AML transaction monitoring and OFAC/Sanctions screening with program partners. | The platform describes KYC/KYB, AML monitoring, sanctions screening, transaction monitoring, and regulatory reporting capabilities. |
| Founded | 2019 | 2019 |
| Integrations | Column says its card issuing connects to Visa and Mastercard and supports mobile wallets including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. | Listed connections include Modulr, Currencycloud, Railsbank, ClearBank, LHV, Nium, Crown Agents Bank, Sumsub, ComplyAdvantage, W2, Thredd, Judopay, Transact Payments, tell.money, Flagright, and Aazzur. |
| Intended customers | The company says its infrastructure serves technology companies, U.S. banks, international banks, and real estate businesses. | The company identifies fintechs, marketplaces, banking and payment infrastructure providers, and BaaS/CaaS providers as customer groups. |
| Security | Column says its security program follows guidance from NIST and FFIEC and is subject to governmental audits and independent third-party assessments. | The company says required data is encrypted and its platform is hosted on Google Cloud. |
| Support | Column’s developer documentation lists [email protected] for feedback and [email protected] for technical support. | The support hub links to API documentation, a system status page, and an active Slack community. |
| What it does | Column provides banking infrastructure and APIs for companies building financial products, including payment processing and lending platforms. | Integrated Finance is a cloud-native financial infrastructure platform that connects fintech products to core financial services and integration workflows. |
| Who it is for | Column describes its intended customers as technology companies, U.S. banks, international banks, and real estate businesses building financial products. | The maker presents the platform for fintechs, marketplaces, BaaS/CaaS providers, and financial infrastructure providers. |
In their own words
Column
Column is a nationally chartered bank providing banking infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT and card networks, for moving money in the United States and globally. APIs support checking, savings, trust, subledger, clearing and sweep accounts, including multiple account numbers for a single account. Column says its programmatically created bank accounts are FDIC-insured.
Companies can launch debit, credit, unsecured, charge or secured card programs, using their own balance sheet or Column’s. Lending offerings include credit origination, warehouse and forward flow facilities, with dedicated funding for lending programs. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Its card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Developers can use API documentation, a sandbox and payment workflow guides. Column says its security program follows NIST and FFIEC guidance and is subject to governmental audits and independent third-party assessments. Pricing is on request; prospective customers are directed to contact sales.
Integrated Finance
Integrated Finance has no write-up on Specifiction yet; its figures are above.