Embedded Finance Simplified: Bevertec’s FTS Makes It Happen

In 2025, one of the most significant shifts in the financial landscape isn’t happening inside traditional banks — it’s happening outside them.

Welcome to the age of embedded finance. It’s not just a buzzword; it’s a quiet revolution changing how we shop, book travel, manage our bills, and even get paid. Whether you're buying sneakers online or topping up your mobile plan, chances are there’s a financial transaction happening behind the scenes—and you barely even notice it.

That’s embedded finance in action.

So, What Is Embedded Finance?

Embedded finance means baking things like payments, lending, insurance, or digital wallets directly into the apps and services people use every day. No more bouncing between platforms or filling out tedious forms.

It looks like:

• Getting a “buy now, pay later” option right at online checkout

• Paying utility bills inside your mobile provider’s app

• Buying travel insurance while you book your flight

• Receiving gig economy earnings instantly via your delivery app

It’s smoother, faster, and exactly what today’s digital-first users expect.

And for businesses? It’s a goldmine. They can tap into new revenue streams, offer more value, and build stickier customer relationships—without having to become banks themselves.

The Infrastructure Challenge

As embedded finance becomes more widespread, the underlying infrastructure must be able to support a growing number of transactions, channels, and endpoints. The complexity lies not only in routing payments or validating authorizations, but also in:

• Ensuring 24/7 availability

• Meeting security and compliance standards

• Managing diverse device types and communication protocols

• Enabling integration with both modern APIs and legacy systems

As embedded finance continues to evolve, the demand for robust, real-time transaction infrastructure grows with it. That’s exactly what Bevertec’s Financial Transaction Solutions (FTS) delivers—secure, flexible, and scalable technology designed to power seamless financial experiences across industries.

ESP-Link™/FTS: A Platform Built for Embedded Finance

Bevertec’s FTS is a comprehensive transaction management solution that enables the secure, reliable, and high-performance exchange of financial transactions from virtually any source to any destination — including banking cores, card processors, authorization networks, and third-party services.

Designed to support both traditional financial institutions and modern digital platforms, FTS enables businesses to quickly adapt and scale within the embedded finance ecosystem.

Key Capabilities of FTS:

• Multi-Channel Support: Integrates seamlessly with ATMs, POS systems, mobile apps, kiosks, and online platforms.

• Flexible Architecture: Built to work with a variety of terminal types, protocols (TCP/IP, ISO 8583, SNA, X.25), and databases (Oracle, DB2, Informix).

• Real-Time Switching: Acquires, routes, and logs transactions with low latency and high reliability.

• EMV and PA-DSS Certified: Ensures compliance with global standards for security and payment processing.

• Role-Based Security & Monitoring: Offers granular access control, secure logging, and detailed monitoring to manage risk effectively.

• Streamlined Configuration & UI: Simplifies system setup and administration through an intuitive graphical interface.

How FTS Enables Embedded Finance in the Real World

FTS supports a wide range of use cases that align directly with the growth of embedded finance. Some examples include:

Remittance and Cross-Border Transfers

FTS allows remittance services to process transactions instantly and securely, enabling funds to be deposited abroad and withdrawn locally via ATMs or mobile wallets.

E-Commerce Checkout Integration

FTS provides the real-time switching and EMV-compliant processing needed to support credit, debit, and private-label card transactions during online or in-app purchases.

Bill Payment Hubs

Banks and fintechs can centralize utility and bill payment services using FTS, reducing the need for individual partnerships with service providers while offering users a one-stop payment solution.

On-Demand Financial Services

For platforms offering instant credit, digital wallets, or real-time driver payouts, FTS handles the underlying transaction flow securely, ensuring availability around the clock.

Branch and Host System Bridging

FTS can act as a switch between incompatible systems, translating and routing data between teller workstations, mobile channels, and central hosts.

Designed for Scalability, Built for Reliability

Whether you're operating across a few cities or on a global scale, FTS is engineered to grow with your business. With built-in monitoring tools, queue repair, and performance optimization via a new message queue manager, FTS ensures stability even during peak loads.

It also supports stand-in processing, enabling platforms to continue authorizing transactions during network outages — a crucial feature for maintaining uninterrupted financial experiences.

Final Thoughts

The rise of embedded finance is reshaping how businesses deliver financial services. Whether it’s enabling new payment flows, supporting real-time remittances, or embedding credit into digital platforms, the demand for seamless financial integration is only growing.

With ESP-Link™/FTS, Bevertec provides a proven, enterprise-grade solution that supports this transformation — offering the technology backbone required to manage complex transaction environments while staying agile, secure, and scalable.

Ready to talk FinTech with Bevertec? Contact us today to discover how we can help you transform your banking services.