Compare Lydia vs. The Card Association

Runit was founded in NYC in 1992. It is the cloud-based Retail Management (POS) and Point of Sale (POS), system for high-end apparel and footwear, as well as gift retail chains. We offer a flexible platform and highly personalized, 24x7 support that will allow you to integrate processes across all your stores, warehouses or websites. Runit RealTime Cloud can adapt to your chain of stores, whether it is made up of three, fifty, or more. It helps you streamline ordering and distribution, customer experience, and payments, as well as e-commerce integration. Runit RealTime Cloud for PC, Mac, and iPad allows you to leverage hardware that you already own. Our experience and flexible platform are available on a monthly subscription that is affordable even for those with tight budgets. We don't require long-term commitments nor large upfronts. Request a customized demo today!

Wallester is an Estonian-licensed financial institution and has been an official Visa partner since 2018, specialising in innovative digital financial solutions and card issuance. We empower companies across the European Economic Area (EEA) and the UK to streamline payments, launch branded cards, and scale efficiently. What we do: 1. White-Label Solution with Embedded Finance Our White-Label solution enables businesses to integrate financial services directly into their platforms - a concept known as embedded finance. This allows companies to launch branded payment cards tailored to their specific needs, enhancing customer experiences and opening new revenue streams. We ensure a swift time-to-market with simplified integration and dedicated support from our implementation team. 2. Wallester Business: Corporate Expense Management Wallester Business is designed to modernise corporate expense management. It provides companies with instant access to virtual and physical Visa cards, streamlining financial processes through a modern app and comprehensive portal. Features include expense tracking, budget analytics, and seamless integration with accounting systems to enhance financial oversight and efficiency. With a diverse team of over 190 professionals located in Estonia, Latvia, France and the United Kingdom, we are dedicated to developing high-quality, profitable products for our clients. Our passion for innovation drives us to improve and adapt to the evolving financial landscape continuously. We aim to elevate businesses by providing the most advanced financial technologies, enabling them to reach new heights in efficiency and growth. We are always open to collaboration and eager to assist companies in navigating the future of finance.

Native Teams is an all-in-one work payments platform trusted by over 3,000 businesses to manage international teams across more than 85 countries without requiring local legal entities. By automating global payroll, tax compliance, and contracting processes, we enable companies to scale their workforce efficiently while minimising legal risks. Our array of services combines hands-on compliance expertise and a user-friendly platform that has everything needed for global expansion. Here’s an overview of our core services: • Employer of Record (EOR): Through our legal entities worldwide, we process contracts, payroll, taxes, and social security and ensure full compliance with local regulations. • Gig Pay: This service provides streamlined payment processing for gig workers worldwide, enabling fast, secure, and compliant invoicing and payments in multiple currencies. • Entity Management: We assist companies in legally establishing local entities and maintaining ongoing regulatory compliance, reducing administrative burdens when entering new markets. • Contractor Pay: We handle contractor payments across borders with multi-currency support and automatic tax compliance, simplifying the complexities of managing global gig talent. • Contractor of Record: Native Teams assumes responsibility for contractors' legal and contractual obligations, ensuring compliance with local laws while reducing liability for client companies. • Relocation services: For clients on the EOR plan, Native Teams offers support with visa applications and work permits to facilitate employee relocation and global mobility.

Zil Money offers: Pay By Credit Card: Use credit cards even when your vendors don't accept them. ACH Payment: Make one-time or recurring ACH/RTP payments in one click. Wire Transfers: Send money electronically from one financial institution to another. Bill Pay: Pay & schedule bills online, managing supplier payments & reducing risk. Digital Checks: Digitize your paper checks and make your payments via email or text. Software Integrations: Integrate Zil Money with your accounting and payroll software. Cloud Bank: Open an online bank account with ZilBank.com. Streamline your payment management & save Check Printing: Drag and drop to instantly create checks & print using any printer. Payment Link Create and send a secure URL for customers to make online payments easily. The platform enables businesses to fund payroll by credit card, pay vendors by credit card, pay using a credit card without a payee fee, pay by credit card & receiver gets funds as a wire transfer or ACH. Payroll funding by credit card: avoid cashflow problems during paydays, preserve cash, earn rewards

Melio is an accounts payable platform designed to simplify bill payments, improve workflows, and maximize cash flow efficiency for businesses of all sizes. To get started, try all of Melio's features free for 30 days! You can pay vendors online using bank transfers or credit/debit cards—even if they only accept checks—while Melio takes care of the manual tasks. Integrate seamlessly with QuickBooks and Xero to keep your accounting up-to-date. Melio allows you to pay through bank transfer or card, helping you extend your cash flow and gain rewards. Enter vendor or bill details manually, upload, or snap a photo of the invoice—it’s that simple. Schedule payments according to your cash flow plan and let Melio manage them. Additionally, you can pay international vendors in their local currency for services and products. On-the-go? No problem, just get the Melio mobile app on iOS or Android to manage your payments, process approvals, and much more no matter where your business day takes you.

Square POS is a simple, intuitive point-of sale (POS) solution. It provides a rich set of tools for inventory tracking, sales tracking, online payment processing and digital receipts. Square POS is available for Android and iOS devices. It records transactions offline by storing data locally, then automatically syncing information when there is an Internet connection. Square POS allows users to manage details such as names, prices and quantities. It also offers features such as a barcode scanner and discounts, credit card processing and gift cards, refunds and more.

Profitable Gift cards, vouchers, and tickets are the most lucrative items you can sell for your business. They allow you to receive payment in full and in advance of products/services that you only deliver about 85% of the time. Flexible Your services and products can be sold as tickets, gift cards, or vouchers. You can sell what you want, at the terms and prices that you set, whenever and wherever you like, and at the profits you make. Powerful VoucherCart allows you to reach your customers in a way that is unmatched by other digital channels. Viral VoucherCart's embedded viral behaviors and loyalty means that we can attract new customers and retain them like no other eCommerce platform.

Vibe Retail is a cloud-based point-of-sale (POS) and retail operations system designed exclusively for businesses that sell physical products through one or multiple locations. Unlike most POS platforms that attempt to serve restaurants, hospitality, or service-based businesses, Vibe Retail focuses only on retail, allowing the platform to be engineered around real retail workflows rather than generalized use cases. The system centralizes inventory, sales, employee, customer, and supplier data into a single, mobile-friendly interface. Retailers can track inventory across stores and warehouses in real time, manage product variations such as size, color, and material, and maintain serialized inventory for traceability. Additional capabilities include barcode generation and scanning, purchase order creation, supplier receiving, delivery reconciliation, and real-time stock transfers between locations. On the transaction side, Vibe Retail supports multiple retail payment types, including credit and debit cards, cash, checks, gift cards, and EBT. Retail-specific workflows such as layaway, delivery fulfillment, loyalty programs, and branded receipts are built into the system. Mobile receipt printing and role-based staff permissions allow retailers to operate efficiently both at fixed checkout counters and on the sales floor. Vibe Retail integrates with ecommerce platforms such as Shopify and WooCommerce, synchronizing inventory, orders, and customer data across online and physical channels. Built-in analytics provide more than 40 real-time reports covering sales performance, inventory movement, employee activity, and operational metrics, helping retailers maintain visibility and control as they scale.

ZenTreasury is a modern cloud-based platform designed to simplify IFRS 16 lease accounting and streamline treasury operations in a single, easy-to-use system. It is ideal for companies managing anything from a few to several thousand leases, offering a scalable and secure environment to automate key processes and eliminate spreadsheet risk. The lease accounting module supports full IFRS 16 compliance, including automated lease classification, reassessments, modifications, termination handling, and journal entry creation. ZenTreasury generates accurate disclosure reports and supports multi-currency, multi-entity structures, cost center allocations, and role-based access control. Built-in audit trails ensure transparency and external audit readiness. In addition to lease accounting, ZenTreasury includes powerful treasury tools for managing financial instruments such as internal and external loans, FX contracts, guarantees, letters of credit, and interest rate derivatives. The platform also provides features for cash forecasting, liquidity planning, and automated treasury accounting. ZenTreasury integrates easily with core business systems, enabling seamless data flow and process automation. It is hosted on secure, enterprise-grade cloud infrastructure and supports fast onboarding, enabling teams to go live quickly without long implementation projects. Trusted by enterprises globally, ZenTreasury empowers finance teams with visibility, compliance, and control in both lease and debt management. Whether you are replacing spreadsheets or upgrading from a legacy system, ZenTreasury delivers the automation and structure needed to modernize your financial operations.

FISPAN is a leader in embedded ERP banking, connecting financial institutions directly to the ERP and accounting systems businesses rely on every day. By embedding secure banking functionality inside NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, Workday, QuickBooks, and Xero, FISPAN eliminates manual file uploads and disconnected workflows. Automate accounts payable, streamline accounts receivable, enable reliable bank feeds, initiate payments, manage expense reimbursements, and access near real-time cash visibility, all within your ERP. FISPAN’s secure API connectivity ensures accurate transaction data flows directly into your reconciliation module, reducing errors, improving efficiency, and enhancing financial control. Designed for banks, businesses, and ERP partners, FISPAN transforms ERP systems into fully connected financial command centers.