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JustiFi
The intelligent fintech orchestration layer that helps vertical SaaS platforms maximize payments revenue.
What it does
Provides a unified API for payment processing, embedded lending, and insurance. Automates fee optimization and routing to maximize platform revenue margins. Features a white-labeled dashboard for end-users to manage their own transactions. Includes automated underwriting tools for embedded financial services. Delivers real-time data on payment volume, churn, and financial health.
Why it works
Revenue Multiplier: Allows platforms to capture more of the 'transaction spread' than standard processors. Efficiency: Replaces the need for a large internal fintech engineering team. Speed: Moves companies from 'software only' to 'fintech enabled' in weeks rather than months. Customization: Offers a deep, modular approach to financial products rather than a one-size-fits-all solution.
Category: Business & Operations
Team Size: 26-100
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As of 2026
Business & Operations
Revenue: $1M-$5M ARR
The intelligent fintech orchestration layer that helps vertical SaaS platforms maximize payments revenue.
Overview
JustiFi is a specialized fintech platform that enables vertical SaaS companies to integrate and monetize payments, lending, and insurance within their own software. It acts as an 'Orchestration Brain' that optimizes transaction processing to increase margins and provides tools for platforms to offer capital to their end users. It helps software founders turn payments from a cost center into a primary profit driver.
Funding status: Funded
Revenue source: Subscriptions & Transaction Fees
Customer type: B2B
Pricing: Usage-based
Tech stack: React, Node.js, Python, AWS, Snowflake
Platform: Web • API
Integrations: Stripe, Plaid, Salesforce, NetSuite, AWS, Google Cloud
Founder story
Founded in 2020 by Joe Sriver in Saint Paul, Minnesota. Joe, a veteran in the Minneapolis tech scene, realized that while many platforms were processing billions in payments, they were leaving massive amounts of revenue on the table for legacy processors. He built JustiFi to 'democratize fintech' for software companies.
What it does
- Provides a unified API for payment processing, embedded lending, and insurance
- Automates fee optimization and routing to maximize platform revenue margins
- Features a white-labeled dashboard for end-users to manage their own transactions
- Includes automated underwriting tools for embedded financial services
- Delivers real-time data on payment volume, churn, and financial health.
Who it's for
- Vertical SaaS Founders
- Product Managers
- Fintech Operations Teams
- Marketplace Operators
Why it works
- Revenue Multiplier: Allows platforms to capture more of the 'transaction spread' than standard processors
- Efficiency: Replaces the need for a large internal fintech engineering team
- Speed: Moves companies from 'software only' to 'fintech enabled' in weeks rather than months
- Customization: Offers a deep, modular approach to financial products rather than a one-size-fits-all solution.
Growth strategies
- Targeted the 'Vertical SaaS' trend (SaaS for dentists, gyms, etc.) as their primary market.
- Used a performance- driven narrative: 'Increase your platform's valuation by owning the payments'.
- Raised $10.6M in total funding to accelerate hiring and product development for the SaaS market.
- Leveraged a 'Partnership- first' model with vertical software industry leaders.
Alternatives
Comparison overview
- Stripe Connect: Easier to start; JustiFi is better for platforms that want to own the economics and branding.
- Finix: A close rival; JustiFi is often preferred for its specialized 'Vertical SaaS' orchestration features.
- JustiFi is the premier choice for software founders looking to maximize their fintech revenue.