YOUR BUSINESS. ENABLED.

Embedded Finance & Expense Cards for the Digital Economy.

YAPEAL, your Swiss army knife for Financial Solutions,  enabling cost efficiency, customer experience, and revenue growth.

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Increase your profit by up to 20% and get closer to your customer.

At YAPEAL it is all about you! With our financial efficiency and growth solutions, directly embedded into your customer journey and value chain, we enable you to get closer to your customers, increase their lifetime value, grow your business - and at the same time streamline your operations and reduce cost.

Drive customer engagement and retention

Turn your payments into an engagement engine, Cards-as-a- Service ensures your customers interact with your brand every day, not just occasionally. The result? Higher retention, stronger loyalty, and increased lifetime value.

Lower your customer acquisition costs

Make your products stand out, easy and agile with a growth solution from YAPEAL. Reduce costs, save time, and gain full control of your operations - giving you the tools to drive sustained profitability.

Unlock new growth

Give your customers seamless financial experiences - right within your product. Whether it’s embedded payments, accounts, or cards, you can reduce friction, boost engagement, and create new revenue streams effortlessly.

Optimize your business expenses

Gain visibility into expenses, cut fraud risk, and ensure compliance - while saving time and costs. Digital solutions enable you to manage cash flow efficiently and make smarter, data-driven financial decisions.

Your Industry + our Solution = Winning Team

We enable you to focus on your core competencies, your customers, and employees. Discover unexpected revenue streams while saving costs.

Asset Management
Banking and Insurance
Government & Social Welfare
Marketing Agencies
Logistics & Mobility Services
Professional Services
Start-ups and New Ventures
Technology & SaaS

Our Sandbox - Your Playground

Our platform with cutting-edge technology, a robust regulatory framework and proven operational processes enable seamless integration of financial services into your customer journey and value chain.

Core Service Modules

Identification (KYC)

Identification (KYC)

Online identification of natural and legal entities, digital, near-instant and FINMA compliant (KYC)

Accounts

Accounts

Transaction accounts with self-created or virtual IBANs; CHF-deposits safely held at Swiss National Bank

Cards

Cards

Self-sovereign issuing and management of cards, countless features, in client's design

Payments

Payments

Domestic and international payments with attractive FX. Interfaces to numerous payment schemes

Monitoring & reporting

Monitoring & reporting

"Cockpit" with powerful real-time monitoring and reporting capability for any customer and product

Solutions & target customer segments

Swiss accounts
Business expense card solution
Business Efficiency
Business subscription expense solutions
Financial Control with social cards
Mission-critical payments
Personalized customer experience
New ventures enabled
Business Growth
Customer engagement and retention
Digital identification (KYC)

Customers

Financial Intermediaries

Corporates

Your Business. Enabled.

Why a Financial Solution from YAPEAL is the right choice.

Cutting edge technology

Empower your business with our cutting-edge Finance Solutions, featuring some of the most advanced RESTful APIs in Switzerland and beyond. Built with your growth in mind, our APIs are designed to seamlessly scale with your needs and support your international expansion ambitions.

Built in and for the cloud

At YAPEAL, we design our cloud-native, modular, and API-first core financial solution with your business at the center. Built to adapt and evolve, ensuring you’re always ahead of the curve. With YAPEAL, you gain the flexibility and innovation to meet your customers’ evolving expectations.

Innovation within the legal framework

At the core of our operations lies a robust regulatory framework designed to ensure the highest levels of security, compliance, and transparency.

  • Seamless & Secure Access
  • Swiss-Grade Data Protection
  • FINMA Regulated and Compliant
  • Client Funds held at SNB

Operational services par excellence

We’ve designed a seamless account onboarding and identity verification process - so you don’t have to. Once you’re set up, our Swiss-based operational and compliance teams ensure that every transfer and payment runs smoothly and remains fully compliant, every day. And if you or your customers ever have transaction-related questions, our dedicated Swiss support team is available 24/7 to assist you.

Peace of mind with our Swiss regulatory framework and highest security standards

FINMA Regulated

YAPEAL holds a fintech license by the Swiss Financial Market Supervisory Authority (FINMA) and is regulated under the Swiss Federal Banking Act. Art. 1b.

Swiss Made

We are certified as a Swiss Made Software, under the ruling of Swiss Federal Institute of Intellectual Property.

SNB Account

YAPEAL keeps your Swiss franc deposits in a segregated account with the Swiss National Bank.

With YAPEAL, we can quickly and easily provide employees with credit cards, which is a big plus for our project managers who are travelling all over the world. With no transaction fees and better exchange rates, we can also save money.

Andrea Stoll, Payroll Specialist, Nüssli AG

Book a Demo

Your Business. Enabled.