What jaris does

Jaris is a private financial technology company founded in 2018 and headquartered in Burlingame, California, that provides embedded finance infrastructure to payment companies, independent sales organizations (ISOs), payment service providers (PSPs), SaaS platforms, and banks. The company enables these partners to white-label three core financial products — business loans, instant payouts, and banking services — alongside merchant onboarding and managed settlement infrastructure, all through a single integration. Its technology stack is processor-agnostic and supports multiple integration paths: a low-code embed (Jaris Connect, requiring three lines of JavaScript), a no-code hosted application (FastTrack), and full API customization. Regulated credit and FDIC-insured deposits are issued through First Internet Bank of Indiana, with which Jaris operates as a bank program manager; this relationship provides over $1 billion in annual financing capacity.

The platform's product surface comprises Business Loans (same-day approval and funding with automated repayment as a percentage of card sales), Instant Payouts (real-time access to settled card volume with multi-network routing across FedNow, RTP, and OCT and limits up to $20K daily), Banking Services (savings accounts and business accounts through First Internet Bank), Merchant Onboarding (single-application multi-product enrollment with automated KYB/KYC and AI-assisted underwriting), and Managed Settlements (flexible money movement across processors with fee collection, reserve management, and real-time disbursement tracking). Jaris is PCI DSS validated and SOC 2 compliant, holds 50-state US licensing, and integrates with Plaid for bank connectivity and Mastercard MATCH for card-network screening.

Jaris's business model is B2B and partner-led, with no direct merchant sales force. Revenue is generated through transaction fees on instant payouts, loan origination and servicing fees (via First Internet Bank), managed-settlement services, and revenue share on banking products. Named partners include Paysafe, Worldline, HoneyBook, SpotOn, TouchBistro, JustiFi, Dart Bank, Flute, VizyPay, and Agile Financial Systems; the company has deployed over $1 billion in capital cumulatively and reports partner-side outcomes of 40% higher retention, 2x customer lifetime value, and 50%+ revenue increase for partners embedding the full product suite. Backed by a $31 million Series B closed in August 2021 (led by GSR Ventures with Wing Venture Capital, Franklin Templeton, and individual investors), Jaris operates in the United States and Europe (notably Belgium through its Worldline partnership).

Name

jaris

Legal name

Jaris, Inc.

Website

https://jaris.io

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Jaris is a private embedded finance platform founded in 2018 that enables payment companies, ISOs, PSPs, SaaS platforms, and banks to white-label business loans, instant payouts, and banking services to their SMB merchant customers through a single API integration.

Ownership category

akta.pro rank

Product category

Embedded Finance Platform (Credit-as-a-Service)

NAICS

Activities Related to Credit Intermediation (5223), Mortgage and Nonmortgage Loan Brokers (52231), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Finance Services (6199), Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

BaaS Platforms & Sponsor Bank Enablement (FSAGALAA)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

Keywords

• Embedded finance platform
• Credit-as-a-service
• Merchant lending
• Instant payout processing
• White-label banking infrastructure

Headquarters

HQ city

Burlingame

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Transaction Fees - Instant Payouts: Jaris charges transparent per-transaction fees for instant payout acceleration services. Merchants pay a small fee to receive immediate access to settled card transaction funds rather than waiting 1-3 business days for traditional settlement.
2. Embedded Lending Origination: Jaris facilitates business loans originated through partner banks (First Internet Bank), earning revenue from loan origination fees and ongoing servicing. Loans are repaid automatically through percentage deductions on merchant card sales.
3. Managed Settlements Services: Revenue generated from settlement management services including fee collection, reserve management, and real-time disbursement tracking across partner processor portfolios.
4. Banking Services Revenue Share: Jaris earns revenue from banking products (savings accounts, transfers) provided by First Internet Bank, potentially including interest spread and account maintenance fees.
5. Multi-Product Revenue Expansion: Partners who embed multiple Jaris products (loans, instant payouts, banking) report revenue increases of 50%+ through expanded merchant wallet share and cross-product adoption, with Jaris sharing in this incremental revenue.

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Jaris provides a single-integration embedded finance platform that enables payment companies, ISOs, PSPs, SaaS platforms, and banks to offer white-labeled Business Loans, Instant Payouts, and Banking Services to their SMB merchant customers. Partners access the platform through a REST API with a JavaScript SDK, a low-code Jaris Connect option, or a no-code FastTrack hosted application. Banking and lending products are issued through partner bank First Internet Bank of Indiana (Member FDIC), and the company provides supporting infrastructure including AI-assisted underwriting, automated KYB/KYC, multi-network payout routing, and managed settlements across any payment processor.

Product overview

Jaris is an embedded finance platform that provides a unified suite of financial products for payment and software companies to offer to their small and medium-sized business (SMB) customers. The platform operates on a modular architecture with three core products (Business Loans, Instant Payouts, and Banking Services) delivered through a single integration alongside supporting infrastructure products (Merchant Onboarding and Managed Settlements). The product portfolio includes: Business Loans providing same-day approval and funding with personalized offers based on processing history; Instant Payouts enabling early access to earned revenue up to $20K daily with multi-network routing; and Banking Services (via First Internet Bank) including savings accounts and business accounts. Supporting infrastructure includes Merchant Onboarding for seamless multi-product enrollment with AI-powered KYB/KYC automation, and Managed Settlements for flexible money movement across processors. Integration options include low-code Jaris Connect (3 lines of JavaScript), no-code FastTrack hosted solution, and full API access. Partners gain access to a processor-agnostic system with over $1 billion in capital capacity across all 50 U.S. states.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans
• Instant Payouts Real-time early access to earned card-sale revenue for SMB merchants, with near-real-time funding up to $20K daily, available 24/7 including nights, weekends, and holidays, via secure push-to-card technology. Includes scheduled payouts and intelligent multi-rail routing with real-time routing number validation and automatic fallback between FedNow, RTP, and OCT networks.
• Banking Services FDIC-insured banking products provided through First Internet Bank of Indiana, including interest-bearing savings accounts, transfers between accounts and external banks, and Jaris business accounts for receiving settled funds from any payment processor. Deposits are held at First Internet Bank of Indiana, Member FDIC.
• Merchant Onboarding Platform Single-application multi-product enrollment solution that enables merchants to apply for payment processing, business loans, instant payouts, and banking services through one online application. Features real-time KYB/KYC, automated decisioning, instant Jaris business account creation, and reduced correction timelines from days to hours.
• Managed Settlements Flexible money movement infrastructure enabling partners to control funding instructions across any processor, automatically create Jaris business accounts for settled funds, and track disbursements in real time from a unified dashboard. Supports fee collection, reserve management, and standardized funding flows across multiple processors.
• Jaris Connect (Low-Code Integration) Low-code embedded integration that allows partners to embed Jaris's pre-built, white-label financial product UI into their own platforms using 3 lines of JavaScript and a single API call, while retaining full API availability for further customization.
• FastTrack (No-Code Hosted Solution) No-code, Jaris-hosted application that partners can direct their customers to for loan applications, enabling rapid deployment without development resources and serving as a launch path before partners move to full Jaris Connect or API integration.
• Capital Connect (Flex Loans via Paysafe) White-label small business lending program branded as Capital Connect through the Paysafe/PCS channel, offering Flex Loans with apply-in-minutes same-day decisions, tailored offers based on card sales, and automated repayments through daily revenue with transparent fixed fees.

Quantifiable outcome

• Partners see 40% higher customer retention when embedding Jaris products
• +6 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• VizyPayminorStrategic or Co-development Partner · 12 June 2026VizyPay partnered with Jaris to bring embedded business lending access directly within the VizyPay payment platform for independent small business merchants. The integration allows merchants to apply for business loans in minutes without leaving the platform, with instant payouts in development as the next phase.
• Dart Bank (via WestTown Payments)coreStrategic or Co-development Partner · 12 March 2026Dart Bank launched its merchant onboarding solution powered by Jaris, enabling automated enrollment in payment processing, business loans, instant payouts, and banking services. Dart Bank, a Michigan-based community bank founded in 1925 with $1.3 billion in assets and 13 offices across 28 states, runs its entire payment infrastructure—including merchant onboarding and managed settlements—on the Jaris platform.
• JustiFicoreStrategic or Co-development Partner · 12 March 2026JustiFi, the embedded fintech platform for software platforms and franchise networks serving SMBs, integrated Jaris's merchant onboarding solution to enable frictionless multi-product enrollment. The partnership enables JustiFi partners to onboard merchants for financial products through a single smart user flow, achieving higher adoption and stronger activation rates.
• Flute (formerly Aurora Payments)coreStrategic or Co-development Partner · 12 March 2026Flute implemented Jaris's automated KYB/KYC and AI underwriting platform, transforming their risk assessment workflow. The partnership eliminated traditional back-and-forth error correction, enabling faster merchant onboarding with confidence. Flute is backed by Corsair Capital and provides financial tools for growing businesses.
• PaysafecoreStrategic or Co-development Partner · 19 February 2026Expanded partnership to offer Jaris Instant Payouts to tens of thousands of SMBs across Paysafe's U.S. merchant network. The integration combines instant payouts with existing business loans within Paysafe's payment ecosystem. Paysafe (NYSE: PSFE) is a global payments platform with $152 billion annualized transactional volume, enabling ISO and Agent partners to deliver embedded financial services to SMB customers.
• Agile Financial Systems (AFS)minorStrategic or Co-development Partner · 17 October 2023AFS became the first partner to launch Jaris Instant Payouts, offering both Instant Payouts and Commercial Lending with a single onboarding journey. The Southlake, TX-based omni-channel payments provider offers multiple liquidity options to help businesses manage cash flow and invest in growth.
• HoneyBookcoreStrategic or Co-development Partner · 18 April 2022HoneyBook partnered with Jaris to launch HoneyBook Capital, providing white-labeled embedded lending to independent businesses managing client relationships, contracts, invoicing, and payments. The partnership delivers capital directly through the HoneyBook platform with seamless loan repayment integrated into daily transactions. Since partnering four years ago, HoneyBook's loan origination volume has grown 75% year-over-year with a 90% loan renewal rate.
• WorldlinecoreStrategic or Co-development Partner · 13 January 2020European partnership with Worldline (Euronext: WLN), the European leader in payment and transactional services, to provide embedded credit solutions to small businesses. The Jaris solution integrates into Worldline's payment system, offering fixed-rate loans repaid through percentage deductions on daily card sales. First launched in Belgium in July 2019 with planned European expansion.
• SpotOn CapitalminorStrategic or Co-development PartnerJaris partnered with SpotOn to extend $350 million in loan offers to small and mid-sized businesses through SpotOn Capital, enabling SMBs to access affordable working capital through the SpotOn platform.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Highnote: Highnote is a B2B embedded finance platform enabling companies to launch card programs, accounts, and payments via APIs. While broader in product scope (more card-focused), it competes with Jaris for the same embedded-finance-for-platforms buyer.
• Finix: Finix provides payments infrastructure (merchant onboarding, underwriting, settlement, payouts) for software platforms and ISOs. Its merchant onboarding and managed settlement capabilities directly overlap with Jaris's processor-agnostic offering to similar buyer personas.
• Parafin: Parafin provides embedded capital (working capital loans and capital advances) to small businesses through software platforms and marketplaces, using a sponsor-bank model closely analogous to Jaris's approach. Both compete to be the embedded lending infrastructure layer for vertical SaaS and marketplaces.
• Kanmon: Kanmon offers embedded working capital and credit products to SMBs through vertical SaaS platforms, with similar underwriting on payment processing history and automated repayment flows. Direct competitor in the embedded-SMB-lending-for-SaaS category.
• Behalf: Behalf offers merchant financing integrated into B2B payment platforms, providing working capital to SMBs. Operates in the same embedded-financing-for-merchants space as Jaris, with a similar sponsor-bank capital model.
• Onramp Funds: Onramp Funds provides embedded working capital and capital advance products to merchants through e-commerce and payments platforms like BigCommerce. Closely aligned with Jaris in revenue-deduction-based repayment and platform partnership model.

Emerging players

• Pipe: Pipe provides revenue-based financing and capital tools to SaaS and SMBs. While its core offering (recurring revenue financing) differs from Jaris's focus, it operates in the embedded capital-for-platforms category and may expand into adjacent SMB lending.
• Resolve (formerly Resolve.ai): Resolve provides B2B embedded payments, credit, and working capital for B2B platforms and marketplaces. Overlaps with Jaris in offering credit and payment infrastructure through software partners, with a focus on B2B use cases.

Broad incumbents

• Square Capital (Block): Block's Square Capital provides working capital loans to Square merchants with automated repayment tied to processing volume. A broad incumbent competitor in embedded SMB lending, though constrained to Square's own payment ecosystem.
• Stripe Capital: Stripe Capital offers embedded working capital and capital advances to Stripe merchants. As a product within Stripe's broader payments stack, it competes indirectly with Jaris for embedded SMB lending — but reaches only Stripe-routed merchants rather than operating processor-agnostically.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about jaris