Embedded Payments

Award-winning banking infrastructure for payments companies who move and hold funds at scale.

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20+ years

powering the activity of payments companies

$1.5T+

in third-party payments processed per year

50+

live embedded partners

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You've Built Something Real. Your Bank Should Keep Up.

Citizens combines a white-glove partnership model with proven payments expertise and industry leadership. Our dedicated embedded payments team delivers a predictable, reliable partnership model, while Citizens' active participation on industry boards and working groups keeps us closely connected to the evolving payments landscape.

See Awards & Recognition

We work with US-based payments companies that move and/or hold money on behalf of their customers across a range of use cases:

AP and AR Automation

Send and receive bill payments and vendor payments on behalf of your customers.

Marketplace payments

Move money between buyers and sellers.

Claims processing

Pay claims on behalf of payors.

Payroll

Pay employees on behalf of employers.

Travel booking

Move money between booking platforms and travel providers.

B2C disbursements

Handle consumer disbursements for businesses.

Card Payment Processors

Process card payments on behalf of your customers.

Digital Wallets

Hold funds for your customers.

2026 Best Treasury and Cash Management Banks

Citizens has been recognized by Global Finance as a Best Treasury and Cash Management Bank for 2026, earning top regional honors for cash management in both the Northeast and Mid-Atlantic.

2025 Best New Embedded Finance Platform

Citizens wins Tearsheet’s 2025 Big Bank Theory Award for Best New Embedded Finance Platform.

2025 Best Innovation in Customer Experience

Citizens wins Datos Insights Impact Award for Best Innovation in Customer Experience. 

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“Citizens” is the marketing name for the business of Citizens Financial Group, Inc. (“CFG”) and its subsidiaries. “Citizens Capital Markets & Advisory” is the marketing name for the investment banking, research, sales and trading activities of our institutional broker-dealer, Citizens JMP Securities, LLC (“CJMPS”), Member FINRA and SIPC (See FINRA BrokerCheck and SIPC.org). Securities products and services are offered to institutional clients through CJMPS (CJMPS disclosures and CJMP Form CRS). Banking products and services are offered through Citizens Bank, N.A., Member FDIC.

Securities and investment products are subject to risk, including principal amount invested and are: NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE