Railsr

7.6easy start · #1 of 31
in Banking-as-a-Service Platforms

Free to practise onyes
Free trialyes
Well documentedyes
Runs where you worknot on record

Runs on api, Web.

Railsr is ranked #1 of 31 in banking-as-a-service platforms on The Geeks Club. It runs on API, Web. There is a free plan. A free trial is offered.

Railsr plans and pricing

All plans

Live Sandbox API Free real money sandbox · account, value and transaction restrictions · free (2 months) railsr.com · 30 Sept 2026

Launch Not published live API · restricted to one country or region railsr.com · 30 Sept 2026

Prototype Not published live API · virtual cards and end-user numbers restricted railsr.com · 30 Sept 2026

Scale Not published enterprise live API · products, usage and countries enabled railsr.com · 30 Sept 2026

Compared on banking-as-a-service platforms

Free plan: Yes
Card issuing: Yes
Embedded accounts: Yes
KYC/AML tools: Yes
Ledger: Yes
Supported regions: UK, Europe, France, Lithuania, Poland, Malaysia

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The record

Product: Railsr describes itself as a global embedded finance platform for banking, wallets and cards.
Finance capabilities: The platform offers wallets and accounts, debit, prepaid, credit and virtual cards, money transfers, and reward programmes.
API: Railsr says its APIs integrate finance capabilities into a brand's digital journey and keep Railsr behind the scenes.
Integration model: Railsr says its platform packages close to 100 integrations and lets customers use a single API and commercial agreement.
Sandbox: The Play Sandbox API uses fake money and is described as a fully functional platform for writing code against.
Who it serves: Railsr describes the platform as intended for companies including fintechs, sports clubs, retailers and brands.
Onboarding restriction: The homepage says Railsr cannot onboard new agents or distributors without prior written FCA consent.
Licensing: The PayrNet FAQ lists a UK electronic money institution licence, number 900594.
Payment schemes: The PayrNet FAQ lists Visa and Mastercard principal issuing licences for the UK and Europe, UK Faster Payments and Bacs direct participation, indirect SEPA membership, and SUPE grade SWIFT membership.
Support: Existing Railsr customers can log in to the service portal to raise a support ticket.
Company identity: Railsr states that it is the trading name of Embedded Finance Ltd, which acquired PayrNet Ltd in March 2023.
Founded: 2016
Headquarters: London, United Kingdom
Price from: Free

Where it ranks on The Geeks Club

Best Banking-as-a-Service Platforms in 2026#1 of 31

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Sources

railsr.com· checked 30 Sept 2026
railsr.com/payrnet· checked 30 Sept 2026
railsr.com/support· checked 30 Sept 2026