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Small fish

You don’t have to be
asmall fish

retro meccano robot

It's all about the BaaS. No treble.

Whether you’re a seasoned Banking-as-a-Service (BaaS) veteran or considering BaaS for the first time, our FinTech-as-a-Service platform provides the tools to streamline reconciliation, compliance risk and operations, while protecting your banking license. Explore what our platform can do for you.

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Dream big. We’ll bring fuel.

Our marketplace approach helps expand the supply of prospective banks to compete for your business, while our FinTech-as-a-Service platform allows you to choose the tools and services you need to minimize risk, remain compliant and increase operational efficiency.

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Sand and shovel

Let’s build something great

Our recently launched developer portal gives you access to easy-to-understand and use API documentation. If you want to get your hands dirty, there’s a sandbox for you to play in.

Did somebody say sandbox?

Welcome to FinTech-as-a-Service

Our flexible FinTech-as-a-Service platform securely integrates with key systems to support reconciliation, regulatory compliance and other operational processes related to your FinTech partnership program.

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When we say together, we mean it.

Our story begins a few short years ago when a community bank decided to enter the BaaS market. Believing that financial products should be easy to access and simple to use, the bank collaborated with leading VCs to found us, Synctera, and our powerful platform.

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Platform page below the fold section

Platform Welcome

Welcome to


Partner and scale the way you want

Our flexible FinTech-as-a-Service platform securely integrates with key systems to support reconciliation, regulatory compliance and other operational processes related to your FinTech partnership program.

Platform Welcome

Everything you need in one place

We offer a series of modular products, each of which can be used independently or in tandem with other products, depending on the FinTech’s needs. Build from scratch with a selection of best-of-breed components or go faster with an all-in-one solution.

Platform Welcome

Regulatory Compliance-as-a-Service

Everything FinTechs need to comply with regulatory requirements easily and efficiently.
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Seamlessly execute KYC checks with a simple, turnkey approach to KYC compliance for FinTechs.
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A central point of truth for your FinTech operations and primary source of customer, account and transaction data.
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An easy way for community banks to manage and execute ACH payment instructions on behalf of their FinTech partners.
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How we work together

When working with Synctera, there are two separate contracts for the bank. Firstly, the community bank and FinTech engage in a Banking-as-a-Service contract, which names Synctera as the BaaS provider for the bank.

Secondly, Synctera and the community bank engage in a Fintech-as-a-Service contract, which provides all the required services to support the partnership.

Synctera also negotiates and contracts all third-party services on behalf of the bank. With only one contract for the FinTech to sign, we significantly reduce the friction and complexity during the contractual process.

How we work together

The Synctera platform consumes real-time and batch data from both community banks and FinTechs and offers a unified view across all parties.

The Synctera platform Flow.

Security-first. Always.

Today's financial institutions require a deep level of trust supported by comprehensive security. Currently adopting SOC2 compliance, we employ the latest solutions to safeguard your data, your integrity, and your clients' peace of mind. Rest easy knowing that your data is fully audited and partitioned and that our system is penetration tested, always running vulnerability scans.

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We’re solving complex problems—you probably have a few questions.

Our team looks forward to answering them.

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