Launch Regulated Banking Payments with ClearBank & FinHost Integration
By combining ClearBank’s regulated banking infrastructure with FinHost’s modular fintech core banking software, teams can launch payment-enabled financial products faster, with full regulatory alignment and operational control. Launch compliant banking payments. Scale with confidence.
The ClearBank + FinHost integration gives fintech teams access to regulated banking payments without unnecessary complexity. Launch faster. Stay compliant. Scale confidently.
What Is ClearBank?
ClearBank is a UK-authorised clearing bank offering direct access to UK payment schemes, with support for European payment connectivity for regulated fintechs and financial institutions.
ClearBank Banking & Payments Capabilities:
- GBP, EUR and MCCY
- Faster Payments (UK)
- SEPA Credit Transfers
- SEPA Instant Payments
- Direct access to payment schemes (no sponsor bank)
- Safeguarded client funds
- Regulated banking infrastructure under UK regulation
ClearBank enables fintechs to operate on bank-grade payment rails without becoming a bank themselves.
What Is FinHost?
FinHost is a modular, API-driven white-label fintech platform designed to orchestrate banking, payments, compliance, and user lifecycle management.
FinHost Banking & Payments Layer:
- User accounts and balances
- IBAN and account management
- Payment orchestration and routing
- Compliance-ready transaction flows
- Back-office dashboard with real-time controls
- Modular architecture for scaling
FinHost acts as the control and orchestration layer on top of regulated banking infrastructure.
Traditional Banking Setup vs ClearBank + FinHost
| Criteria | In-house ClearBank Integration (from scratch) | Finhost White-Label (pre-integrated) |
|---|---|---|
| Time to market | 6–12 months (development, certification, testing) | 4–8 weeks to production |
| Upfront cost | Very high (engineering, QA, DevOps, compliance, PM) | Significantly lower (setup + SaaS fee) |
| Technical complexity | Complex, resource-intensive build | Certified ClearBank Technology Partner |
| ClearBank-specific expertise | Gained slowly through trial and error | Accumulated from real production use |
| Statements & reporting | Must be designed and developed | PDF / CSV / UI reports |
| Backoffice / admin panel | Needs to be built from zero | Full operational backoffice included |
| Client UI & mobile apps | Separate web & mobile projects | Web + iOS + Android (white-label) |
| Compliance readiness | AML logs, audit trails, monitoring built from scratch | Compliance-friendly by design |
| Maintenance & upgrades | Continuous internal effort | Handled by Finhost |
| Team focus | Infrastructure over business growth | Focus on sales and scaling |
| Vendor lock-in | Minimal | No lock-in (source code license option) |
Key Benefits
- Direct access to regulated payment rails
- Faster time to market for banking products
- Reduced regulatory and operational complexity
- Single integration instead of multiple vendors
- Scalable architecture for growth
Fintech teams focus on product and users not banking plumbing.
Who Migh Be Interested In This Solution
This integration is the perfect solution for ambitious teams and leaders who want to build, scale, and succeed faster.
Founders
Launch payment-enabled products without becoming a bank
Product teams
Build user-friendly payment experiences on top of regulated rails
Chief Technology Officers
Avoid complex banking integrations and focus on scalable architecture
Use Cases
- European Neobank Launch. IBAN accounts, KYC, and SEPA & Faster Payments live in under 6 weeks.
- Embedded Payments for Marketplaces. In-platform bank transfers and settlement accounts without banking infrastructure.
- B2B Payment Platform for SMEs. SME onboarding and domestic & cross-border payments with compliance built in.
- UK–EU Payment Gateway for SaaS. Faster Payments and SEPA via a single UK–EU integration.
- Regulated Wallet with Fiat Payments. Fiat accounts and bank payments on regulated banking rails.
Let’s Talk About This Integration
Success Stories
Frequently Asked Questions
What is ClearBank and what role does it play in this integration?
ClearBank is a UK-authorised clearing bank providing direct access to UK payment schemes, including Faster Payments, and supporting SEPA payments through regulated partners.
In the ClearBank + FinHost integration, ClearBank acts as the regulated banking infrastructure provider, processing payments on official banking rails, while FinHost orchestrates product logic, users, and compliance flows.
What types of payment rails are supported?
The integration supports key regulated payment rails, including:
- Faster Payments (UK)
- SEPA Credit Transfers
- SEPA Instant Payments (where available)
This allows fintech products to offer domestic and cross-border bank payments through a single integration.
Do fintech companies need their own banking license to use ClearBank?
No. Fintech companies do not need to become a bank. ClearBank provides the regulated banking layer, while FinHost enables companies to launch payment-enabled products under appropriate regulatory frameworks, such as EMI or payment institution models.
How does FinHost fit into the ClearBank integration?
FinHost acts as the orchestration and control layer, handling:
- user and account management
- payment initiation and routing
- compliance and transaction monitoring
- reporting and audit logs
- back-office controls
ClearBank focuses on regulated payment execution, while FinHost manages the product experience and operations.
Is this integration suitable for regulated fintech environments?
Yes. The ClearBank + FinHost integration is designed for regulated financial use cases, including:
- EMIs and payment institutions
- neobanks and digital wallets
- embedded finance platforms
- B2B and B2C payment products
It aligns with UK and EU regulatory expectations and provides audit-ready transaction data.
How are client funds handled and protected?
Client funds are handled through regulated banking infrastructure and are subject to safeguarding requirements. ClearBank ensures proper fund segregation and banking-grade controls, while FinHost provides transparency, reporting, and operational oversight.
Can this integration be used for embedded finance use cases?
Yes. The integration is well-suited for embedded finance, enabling platforms such as marketplaces or SaaS products to offer:
- branded payment accounts
- bank transfers
- regulated payment functionality
All without building banking infrastructure internally.
Does the solution support scalability as transaction volumes grow?
Yes. The architecture is designed to scale from early-stage fintech products to platforms processing high transaction volumes. ClearBank provides bank-grade reliability, while FinHost’s modular platform supports growth without major re-architecture.
What level of operational control do fintech teams have?
Fintech teams retain strong operational control through FinHost, including:
- real-time payment monitoring
- transaction status tracking
- reconciliation and reporting
- back-office access and role management
This ensures visibility without taking on banking-level operational burden.
Can additional banking or payment providers be added later?
Yes. FinHost’s modular architecture allows fintech platforms to:
- add additional payment providers
- expand to new regions
- introduce new financial products
- without disrupting existing integrations.