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EMBEDDED fintech platform

One platform to bring finance to life

Harness a suite of composable financial technology, from card issuing to money movement to identity verification — all part of FIS, the financial technology provider the world relies on.

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what is atelio?

Brands, platforms, and banks can use Atelio to embed financial services at their customers' point of need. Unlock new revenue, increase customer retention, and deliver innovation with a single developer-friendly platform.

Startup agility, Fortune 500 scalability

Atelio is part of FIS, the financial technology provider that the world relies on.

$8T
Assets serviced
17B
Transactions
99.9999%
System uptime
Products

The suite to build fintech experiences

Start with what you need today and scale to what you want tomorrow.

Card Issuing

Launch branded cards to help your customers spend within your platform.

Consumer Cards
Commercial Cards
Money Movement

Fast, flexible rails and orchestration tools to send and receive funds.

ACH
Pay by Bank
Payment Orchestration
Accounts

Embed bank accounts so customers can securely store money with your platform.

Credit Accounts
Debit Accounts
Ledger
Lending

Extend fast and frictionless financing right where your customers need it.

Invoice Financing
Term Loans
Identity & Fraud Protection

Onboard more users while staying compliant. Catch more fraud & protect your customers.

KYC
KYB
Transaction Monitoring
Program Management

Software and services to manage your programs. Support to help you stay compliant.

Case Manager
Program Management
Case Studies

Fintech innovation in action

See how forward-thinking organizations are transforming their businesses and delighting their customers with Atelio.

RoyalPay will use Atelio to improve the patient payment experience, accelerate insurance refunds, and enhance financial flexibility for imaging centers.
Products Used
Cards
Accounts
Pay-by-Bank
College Ave Student Loans built the Ambition Card, a credit-building secured card to give students a jump start on their financial future.
Products Used
Consumer Card
Accounts
Money Movement
ATelio for developers

Developer-first financial infrastructure

Build with a unified platform where components work together: consistent APIs, useful documentation that unlock the financial stack.

Read our Docs

Ready to get started?

We’re here to help you imagine what’s possible, and bring it to life.

Brands & Fintechs

Embed financial services to unlock new revenue streams and create deeper customer relationships.

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Financial Institutions

Accelerate innovation, grow your deposit base, and reach new markets with embedded finance solutions.

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Products
Card Issuing
Commercial CardsConsumer Cards
Money Movement
Pay By Bank
Accounts
Identity & Fraud Prevention
IdentityTransaction Fraud Prevention
Lending
Program Management
Compliance Workflow
Use cases
Atelio for Banks
Gig Economy
HealthCare
Neobanks
Online Marketplaces
Payroll
Property Management
Social Platforms
Travel
Developer
API ReferencesEmbedded Finance SandboxDocs
Company
About UsBlogCareersPrivacy PolicyTerms
Atelio is not a bank. Banking services are provided by Atelio’s partner banks, Members FDIC.
Atelio is not a lender. Lending services are provided by Atelio’s partner lender.
The names, businesses, and transactions appearing on this website are fictional examples for illustrative purposes only. No actual persons, organizations, or financial transactions are depicted. Any resemblance to real entities is coincidental.
©2025 FIS. Unlocking financial technology. Bringing the world's money into harmony.
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