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One Banking Relationship. The Full Fintech Stack.
Issuing, acquiring, lending, and embedded finance. Programs that work better because they share a foundation.
Let's TalkCard Issuing
Celtic is one of the largest issuers in the United States, operating across Visa, Mastercard, and American Express with a partner roster that includes some of the most recognized names in fintech. We know what complex programs look like and what it takes to run them successfully at scale.
Explore our card issuing programs >>
Merchant Acquiring
Celtic's acquiring program is built for ISOs, PayFacs, and platforms with established portfolios and proven vertical expertise. We don't hand you a list of approved categories. We talk about merchant risk directly with partners who know their business. Fewer surprises, more durable programs, and a growth-oriented bank that excels at navigating complexity.
Embedded Finance
Accounts, lending, disbursements, and the broader suite of financial services modern fintechs need to fully serve their customers. Our embedded finance programs complement our issuing and acquiring programs — giving your customers access to the full financial services stack through a single banking relationship.
Lending
Celtic is one of the most experienced consumer and commercial lending partners in fintech — powering credit card programs, point-of-sale financing, term loans, and revolving credit for some of the most recognized names in the industry. For partners building lending into their platform, we bring the regulatory infrastructure, underwriting expertise, and scale to match.
Explore our lending programs >>
Not a platform. Not a vendor. A bank built for operators.
Why Celtic Bank Fintech
One relationship. The full fintech stack.
Issuing, acquiring, lending, and embedded finance within a single banking relationship. No piecing together infrastructure from multiple banks.
Institutional depth. Over a decade in the making.
One of the most significant issuers in the United States, powering programs for some of the most recognized names in fintech.
A stable foundation.
FDIC-insured and operating for over 25 years. Consistent operations and no surprises. The kind of foundation serious programs are built on.
People, not portals.
Our partners work with people who know their programs and are reachable when things get complicated.
Let's talk about what you're building.
We work with established operators who know what they need from a banking partner.
If that sounds like you, let's start a conversation.
Reach us directly: fintech@celticbank.com
What does Celtic Bank do for fintech companies?
Celtic Bank provides banking infrastructure for fintechs across card issuing, merchant acquiring, lending, and embedded finance. Partners work with Celtic to launch and scale financial products under a single banking relationship.
Does Celtic Bank offer both card issuing and merchant acquiring?
Is Celtic Bank a federally chartered bank?
What lines of business does Celtic Bank's fintech unit support?
How does Celtic Bank's embedded finance program work?
What kinds of fintech partners does Celtic Bank work with?
How does Celtic Bank compare to other sponsor banks?
