Banking as a Service (BaaS)

Pathward’s problem-solving and risk management lets partners navigate payment and lending needs

Woman completing a banking transaction with her smartphone.

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BaaS Pioneers

Pathward’s purpose of financial inclusion for all means everyone deserves access to high quality financial services. It’s why for the past two decades we’ve been building solutions to help those who’ve been underserved by traditional banking providers. With capabilities ranging from prepaid cards and deposit accounts to payments processing and consumer lending, we empower our partners to deliver programs that provide a financial path forward for all. 


Payment solutions

We provide payments solutions to empower all your business needs with our banking rails.

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Issuing solutions

We partner with fintech entities of all sizes to deliver unique, compliant programs that leverage our experience as one of the leading debit and prepaid issuers in the U.S.

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Credit solutions

We work with our partners to offer flexible and innovative lending solutions to meet the credit needs of consumer borrowers.

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Tax solutions

We supply simple and convenient financial products related to tax refunds that support tax professionals and their customers.

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Providing BaaS on All Sides of the Transaction

As a nationally chartered bank, we sit at the hub of the financial ecosystem. With expert talent and access to world-class partners, Pathward moves money seamlessly across a multitude of solutions while mitigating your risk by anticipating changes to a complicated regulatory landscape. 

Seated woman with a laptop computer describing a BaaS solution to a customer.

>9K
Programs launched
>$2.5B
Moved daily in ACH and wire services

Trusted by

Logo for H&R Block tax-preparation company.
Logo of Netspend, provider of prepaid debit cards.
Logo of Incomm Payments, developer of payment solutions.
Logo of Blackhawk Network, vendor of gift, phone, prepaid debit, and incentives cards.

Flexible Financing Solutions

We provide financing to businesses when it’s needed the most. With Pathward’s diverse range of commercial financial solutions, companies large and small can access funds to launch, operate, and grow. Our innovative approach and customized financial products offer the flexibility traditional bank products can’t.

Pathward representative explaining commercial finance solutions to his customer.

Contact the Banking as a Service Team Today