URL: /overview/service-models/paas-explained

---
title: "PaaS Explained"
description: "Understanding Platform as a Service - connectors and system-to-system integration"
---

# Platform as a Service (PaaS) Explained

Platform as a Service (PaaS) provides **system-to-system integration** — direct access to FinHub's technology connectors without the business process layer. This is pure technology integration for clients who already have their own systems and business logic.

## What PaaS Provides

PaaS provides direct connector access:

| Connector | What It Does |
|-----------|--------------|
| **Acquiring (IPG)** | Card payment gateway integration |
| **Banking Networks** | SEPA, SWIFT, local payment rails |
| **KYC/KYB** | Identity verification services |
| **Communication** | SMS, email, push notifications |
| **Crypto** | Blockchain and digital asset connectivity |

## PaaS vs BaaS

| Aspect | PaaS | BaaS |
|--------|------|------|
| **What you get** | Connectors only | Business processes + connectors |
| **Business logic** | You provide | FinHub provides |
| **UI/Front-end** | You build | CoreX or you build |
| **Integration type** | System-to-system | API or white-label |
| **Best for** | Companies with existing systems | Companies needing full solution |

## When to Choose PaaS

Choose PaaS if you:

- Already have your own core banking system
- Only need specific connector integrations
- Have your own business process logic
- Want to integrate FinHub's technology into existing infrastructure
- Need payment gateway (IPG) access only

## Available Connectors

### Acquiring (IPG)

Internet Payment Gateway for card transactions:

- Card payment acceptance
- 3D Secure authentication
- Multiple card networks
- Settlement and reconciliation

### Banking Networks

Access to payment rails:

- **SEPA** - Euro payments in Europe
- **SWIFT** - International wire transfers
- **Local Rails** - Country-specific payment systems
- **Faster Payments** - UK instant payments

### KYC/KYB

Identity verification connectors:

- Document verification
- Biometric checks
- Sanctions screening
- PEP checks

### Communication

Notification services:

- SMS delivery
- Email sending
- Push notifications

### Crypto

Blockchain connectivity:

- Digital asset trading
- Custody services
- Blockchain integrations

## Next Steps

<CardGroup cols={2}>
  <Card title="Explore PaaS" icon="plug" href="/paas/introduction">
    Go to PaaS documentation
  </Card>
  <Card title="BaaS Explained" icon="building" href="/overview/service-models/baas-explained">
    Learn about BaaS
  </Card>
</CardGroup>