Synctera
Embedded payments software
Banking as a service (BaaS) software
Digital banking platforms
Payment software
Financial services software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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What is Synctera
Synctera is a banking-as-a-service platform that provides APIs and program management tooling to help companies build and operate embedded banking products such as accounts, cards, and payment flows. It targets fintechs, platforms, and enterprises that want to launch bank-backed financial products in partnership with sponsor banks. The platform combines developer APIs with compliance, ledgering, and operational workflows to support end-to-end program execution. Synctera also supports bank partners with tools to onboard and monitor fintech programs.
API-first embedded banking stack
Synctera provides developer-oriented APIs to create and manage core banking objects such as accounts, transactions, and card programs. This API-first approach fits teams that want to embed banking features into existing applications rather than adopt a full consumer-facing banking UI. It aligns with modern payment and embedded finance architectures that emphasize integration and automation.
Program management and compliance tooling
The product includes operational workflows intended to support onboarding, monitoring, and ongoing program management for embedded banking use cases. This can reduce the amount of custom back-office tooling a fintech must build to operate a regulated program. Compared with payment-only platforms, the scope extends beyond transaction processing into bank-program operations.
Bank partner enablement focus
Synctera positions part of its platform for sponsor banks to manage fintech relationships and program oversight. This can help align fintech and bank processes around controls, reporting, and operational visibility. For buyers, this emphasis may simplify coordination with bank partners relative to assembling separate tools for bank-side program management.
Dependent on sponsor bank relationships
As a BaaS platform, Synctera’s ability to support a given program depends on sponsor bank participation and the constraints of those partnerships. Timelines, product availability, and risk requirements can vary by bank and program type. Buyers should expect bank due diligence and approval processes to materially affect launch and change management.
Not a payment-only processor
Organizations seeking a standalone payment gateway or global acquiring coverage may find Synctera less directly aligned than payment-specialist platforms. Embedded banking programs often require broader compliance, ledgering, and bank coordination work than payment-only implementations. This can increase implementation scope for teams that only need card acceptance or payout rails.
Implementation and operations complexity
Launching embedded banking products typically requires significant integration work, policy decisions, and ongoing operational ownership (disputes, fraud, compliance reviews, customer support processes). Even with platform tooling, teams may need specialized compliance and risk resources to run programs effectively. Total cost and time-to-launch can be higher than simpler fintech integrations.
Plan & Pricing
Pricing model: Custom + pay-as-you-go (Synctera lists platform and per-transaction/passthrough fees in docs and directs buyers to Sales for account/pricing plans). Free tier/trial: Free developer sandbox / free account (sandbox) available; Production Lite (friends-and-family) testing with real money is described as available "for free" in Synctera docs/blogs. Example costs (from Synctera official docs):
- Card shipping (average charges per individual card): LOCAL_MAIL – $0.67; LOCAL_PRIORITY – $7.00; TWO_DAY – $52.00; OVERNIGHT – $43.00; INTERNATIONAL – $47.00; INTERNATIONAL_GROUND – $17.00; INTERNATIONAL_PRIORITY – $37.00. (Card shipping overview doc)
- Mastercard passthrough / network examples (e-commerce / Card Not Present samples): For a $50 transaction: Average fixed cost $0.4281; average variable cost $0.4800; total fees $0.9081. (Mastercard passthrough fees doc)
- Activity fees (examples from docs): Authorization processing fee: $0.0065–$0.011 per authorization; Network Access/Brand Usage Fee Domestic: $0.0185 per authorization; Clearing (IPM) fee: $0.01–$0.02 per first presentment message; Investment fee: $0.0004 per settled $-volume. (Fees & activity table)
- Instant Account Funding: Interchange and network fees are billed monthly; Synctera states to "Contact Synctera for detailed pricing" for this product. (Instant account funding doc) Discount options: Not publicly listed on Synctera's site; no public volume/commitment discount schedule found. Contact Synctera Sales for custom/enterprise pricing and discounts.
Notes: Synctera's public Pricing page does not list subscription tiers or a public minimum paid cost; it directs visitors to "Talk to our experts" (sales). Much of the platform pricing is presented as per-transaction/passthrough fees in the documentation rather than fixed public subscription tiers.
Seller details
Synctera Inc.
San Francisco, CA, USA
2020
Private
https://synctera.com/
https://x.com/synctera
https://www.linkedin.com/company/synctera/
