The story so far
Every financial shift begins with a system that no longer works.
Businesses today expect software to come with payments built-in. But the financial infrastructure was built for an in-person, branch-based world, not a digital-first one. This gap makes it tough for software companies and banks to operate in a modern economy.
Tesouro is here to close that gap.
Traditional payment infrastructure wasn’t designed for a digital-first economy. The result? Software companies are stuck cobbling together solutions:
Multiple integrations add complexity
Costs stack up with each workaround
Outdated systems slow innovation
Banks lack visibility, creating regulatory roadblocks
Instead of evolving, the industry piles on more layers—making payments a fragmented, costly web of inefficiencies.
Tesouro is changing that.
Integrating payments doesn’t have to be complicated.
With Tesouro, software companies don’t have to build complex payment facilitator systems. Instead, we’ve simplified the process:
No more third-party risk & compliance vendors
No more multi-step integrations with legacy processors
No more fragmented payment stacks
The story so far
Every financial shift begins with a system that no longer works.
How we do it
Tesouro isn’t just a payment processor—it’s a fully integrated payments platform designed to unify banks, software companies, and payment facilitators in a single ecosystem.
How we do it
Tesouro isn’t just a payment processor—it’s a fully integrated payments platform designed to unify banks, software companies, and payment facilitators in a single ecosystem.
💡 Legacy processors require multiple vendor integrations for underwriting, leading to slow approvals and compliance gaps.
Tesouro automates merchant boarding and underwriting, giving software companies merchant approvals in minutes…all while ensuring banks have full risk visibility with our solution.
Single integration for all compliance checks
Configurable underwriting workflows to match your business needs
Access via both an API and UI for automation and for your team to work cases
💡 Traditional solutions are either rigid, with little functionality, or require you to build a complete billing engine to get the billing model you need.
Tesouro provides a flexible and robust billing engine, already built for you.
Configurable sub merchant level billing, inclusive of bundled, interchange plus, and more
Full details at the transaction level
Flexible funding options to sub merchants
💡 Payment data is often fragmented across multiple systems, making it difficult to track cost and revenue.
Tesouro simplifies reporting and reconciliation, eliminating hours of work for finance and operations teams.
Provides transaction-level details, including transaction-level cost and profitability, eliminating cumbersome reconciliation processes
Transaction lifecycle reporting, tying all transaction events together
Availability to access in a UI and API
💡Transaction monitoring, portfolio monitoring, and dispute management are costly and often handled through multiple vendors and outdated manual processes.
Tesouro modernizes dispute management and risk monitoring, giving software companies and banks proactive control over disputes.
Modernizing dispute management to save time and effort
Access via both an API and UI for automation and for your team to work cases
Built-in transaction and portfolio monitoring
💡 Legacy providers were built through acquisitions, oftentimes requiring multiple integrations to different platforms to get the features you need.
Tesouro eliminates this by offering a single API that enables direct access to card present, card not present, bank transfers, and more.
One integration for all payment types
Modern developer experience
The wedge
Payments are the wedge into embedded finance.
Tesouro doesn’t just simplify payments. It lays the foundation for embedding banking, lending, and other financial services directly into software platforms.
Until now, the problem wasn’t that embedded finance was too ambitious. The problem was that there hadn't been an easy way to tie all parties and products together.
Tesouro is changing that.
By collapsing the payments stack into a single, unified infrastructure, Tesouro removes the barriers to embedding banking, lending, and financial products directly into software platforms.
Banks and software companies come together, creating a unified and powerful offering
Tesouro removes layers for software companies to integrate financial services
Embedded finance goes from a concept to a practical reality
Until now, the problem wasn’t that embedded finance was too ambitious. The problem was that there hadn't been an easy way to tie all parties and products together.
Tesouro is changing that.
By collapsing the payments stack into a single, unified infrastructure, Tesouro removes the barriers to embedding banking, lending, and financial products directly into software platforms.
Banks and software companies come together, creating a unified and powerful offering
Tesouro removes layers for software companies to integrate financial services
Embedded finance goes from a concept to a practical reality
Tesouro is compliant with SOC 2 (Type 2) standards and certified as a PCI DSS v4.0 Level 1 service provider.