Alternatives to NIUM

Plaid is a global fintech infrastructure platform that enables businesses and consumers to securely connect to financial data and services. Through APIs that connect to more than 12,000 financial institutions across 20+ countries, Plaid operates the world’s largest open banking data network. By removing the complexity of direct bank integrations, Plaid enables developers, financial institutions, and enterprises to build secure, user-friendly, and conversion-optimized financial products. Plaid powers payments, lending, identity verification, fraud prevention, and personal finance applications. Today, more than 100 million people worldwide, including half of U.S. adults, have relied on Plaid through their connections to over 7,000 apps and services. Plaid supports a wide range of industries and financial workflows, including: Banks & credit unions, Payouts streamline disbursements, and Pay by Bank supports direct consumer-to-business payments for recurring bills, subscriptions, and eCommerce, Mortgages & lending, Government & public sector programs, Property management, Gaming, Crypto & Digital Assets, Business finances, and Wealth Management. Customers include Venmo, Robinhood, Rocket, Carvana, Affirm, Invitation Homes, and many more. Plaid is built with enterprise-grade encryption, continuous monitoring, and regulatory compliance, including PSD2 in Europe and FCA requirements in the UK. Plaid does not hold funds but enables secure data transfer and payment initiation. Plaid provides trusted infrastructure across payments, identity verification, fraud prevention, account connectivity, and open banking. With scale, security, and mobile-first design, Plaid helps businesses create seamless and secure financial experiences for millions of consumers worldwide.

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.

Finicity's open platform for banking makes it easy to connect your customers' financial information to your app or service. Finicity's open platform banking platform is being used worldwide by some of the most innovative and large organizations to provide better financial experiences for their customers. Your experience is dependent on data quality. Our data has been battle tested in the most demanding markets. You can easily code to endpoints and test data, and connect to Finicity’s open banking platform to access the best API coverage for banks, credit unions and payroll providers. Access to the data you need to power products is easy with our suite of APIs.

Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.

Boss Insights provides global leading access to business customers’ financial data with a single connection to accounting, banking, commerce, payroll, tax and more (i.e. Quickbooks, Stripe, SalesForce, etc.). It’s used by fintechs and neobanks to gain 60% increased automation, 100% automated scoring, 51% faster funding and 5x faster renewals.

AlphaPoint is a global financial technology company providing digital asset infrastructure to power the next generation of exchanges, brokerages, payment networks, and banking. Our full-suite products provide trusted, secure, scalable, and customizable solutions for trading, payments, lending, custody, and more.

HUBUC - the embedded financial services powerhouse for non-fintech companies, mainly B2B, to build better products, retain clients and generate more revenue. We are making this possible in three simple ways: - We provide access to developer-friendly, powerful tech stack to our clients through one single API. - We connect fintech capabilities of industry giants such as VISA & Mastercard, issuing banks, innovative FX, security and compliance players to our clients through one contract. - We guide implementation and secure transactions across all 58 markets where we operate.

With Kinective Bridge™ (formerly OmniConnect), access the largest library of integrated fintech solutions, with 80+ integrations across 99% of US-based cores. Seamlessly connect your core with best-of-breed fintechs to scale digital transformation, modernize operations, and increase client delight. • Turnkey solution for secure, comprehensive, and supported connectivity • Innovate at your pace and scale growth without the need for extensive development resources • Mitigate manual processes and human error • Access the largest library of integrated fintech solutions with the flexibility to choose any system, technology, or provider Transformation sounds great on paper, but hard to make a reality with legacy tech stacks and outdated infrastructures. The hassle of switching cores or burning through in-house dev hours to integrate systems can be a slow, time-consuming process.

Experience comprehensive solutions for payments, data, and financial management all in one platform. Discover the financial technology system designed to help you achieve your goals swiftly. Seamlessly incorporate additional payment options and expand into new regions with local acquiring capabilities. Enhance customer satisfaction by leveraging insights from multiple channels. Obtain in-depth insights into your operations with consolidated global payment data accessible in a single interface. Safeguard your business by identifying and addressing fraudulent activities while ensuring real transactions remain unaffected. Streamline your financial processes and boost automation through our robust banking framework. This solution is particularly advantageous for platforms and marketplaces aiming to expedite user payouts in their chosen currencies, fostering trust and loyalty among users. Furthermore, the platform enables businesses to adapt to changing market demands with agility.

Our open API platform allows world's innovators to issue and process cards instantly with greater control, flexibility, and scale. Marqeta is changing the rules of what payment cards can do. Marqeta's open platform API platform has the most advanced infrastructure and tools to build highly configurable payment card cards. It is for developers who want an easier way to manage payment programs. This platform will allow them to create world-class experiences and innovate, as well as power new modes and modes of commerce. Modern card issuing platform that powers the future, accelerates your business, and helps you build new and innovative products. A sandbox that is open API and instantly issued allows you to get started in just three clicks. It also allows you to instantly issue physical, tokenized, and virtual payments. You can control excess spending, protect your margins and provide exceptional user experiences with refined payment and authorization controls.

Grow your business with finance. Accept payments from customers. Automate payments to vendors and employees. Never run out of working capital. You can mix and match products from Razorpay's Payment Suite to suit your business needs. Razorpay is the best way to integrate, onboard online, check out the features, and enjoy the best performance. Razorpay Payment pages is the easiest way for you to accept payments from a custom-branded online shop. Automated payment receipts allow you to accept international and domestic payments. Online shopping is easy with no code. Preparation is key! Hosted Event Registration allows you to quickly register attendees online and send them automated receipts. Fundraising for a worthy cause? Hosted Donations saves time and automatically sends 80G receipts.

Quickly establish bank accounts, provide cryptocurrency wallets, facilitate payments, and distribute cards to your clients. Solid presents a comprehensive and compliant array of FinTech solutions. You can integrate it in just minutes to craft unprecedented user experiences. With Solid’s Banking as a Service (BaaS), businesses can develop and introduce various deposit offerings, including both business and personal checking accounts. This service encompasses everything from ledgers to statements, providing all the essentials for creating enjoyable banking interactions. The Card Issuance and Management platform from Solid is pioneering, allowing for the issuance of cards that cater to your customers' requirements through a single API. Both physical and virtual credit, debit, and prepaid cards are entirely overseen by Solid. Elevate your customer engagement with a streamlined and robust experience embedded in your product, utilizing Solid's instant account creation API. Additionally, you can quickly issue customized physical and virtual cards, complete with the necessary spending controls using Solid's card API, ensuring that your clients have all the tools they need at their fingertips.

SUNRATE is a global payment and treasury platform that helps businesses manage their finances. Since its founding in 2016, SUNRATE has been recognised as a leading provider of solutions. Its cutting-edge platform, extensive global network and robust APIs have enabled companies to scale locally and globally, in 150+ countries. SUNRATE has offices in Hong Kong and Jakarta, London, and Shanghai. Its global headquarters is in Singapore.

Rapyd is for fintech what the cloud was for IT. We connect companies to all payment methods around the world, enabling frictionless global commerce. This creates new opportunities for both businesses and individuals. So you can create great customer experiences and unlock new markets, we built the largest global local payments network. Rapyd is the fintech equivalent of the cloud. Our Global Payments Network connects you to all the payment methods available around the world. It also provides the infrastructure necessary to create your own fintech solutions like ewallets and cards. Rapyd allows digital sellers in Latin America to accept cash. Online shoppers in Asia can pay using their preferred ewallet. Businesses can also make payments to individuals and companies anywhere in the world. You can reach new markets, create new opportunities, and open new markets with over 900 payment methods in 100 different countries.

Build your own fintech with Bond. Build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified API-driven platform. Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Bond allows you to offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live.

Equipped with embeddable functionalities supported by comprehensive due diligence and an adaptable general ledger, businesses can utilize a cohesive platform that offers essential components necessary for fostering innovation and rolling out top-tier products. Our application builder enables you to tailor your application precisely to your needs. To facilitate a seamless integration process, we will provide a personalized guide and an implementation timeline to outline what you can anticipate. Furthermore, we will establish your sandbox environment for testing and development. You have the option to implement a white-labeled turnkey solution, connect through our API or SDKs, or use various UI widgets to create your own product. Additionally, we can set up the application within your current cloud infrastructure, allowing you to retain complete oversight of computing resources, storage, and version control. Depending on the complexity of your application, deployment can occur in as little as three weeks, reiterating our dedication to assisting you in launching an exceptional product! Moreover, you can combine account verification, linking, and ACH transfers into a single streamlined solution for enhanced efficiency.

Quickly and effortlessly construct, assess, and implement your payment solutions using our modular, "building-block" technology. With more than 100,000 pre-coded functions at your disposal through an intuitive point-and-click interface, you can significantly reduce your time to market while accommodating nearly any use case via our extensive library of over 300 APIs. Seamlessly transfer card details into users' mobile wallets and utilize advanced tools to provide exceptional digital experiences. Experience the benefits of flexibility and control as you rapidly develop and test new programs featuring unique capabilities informed by market feedback, all while scaling your offerings within a platform that is inherently secure, reliable, and contextually aware. Our highly adaptable Agile Processing platform empowers you to create and launch programs with an unmatched variety of features, allowing you to roll out initiatives in as little as 30 days without the need for costly IT infrastructure investments. This streamlined approach not only enhances efficiency but also fosters innovation in the ever-evolving payment landscape.

Simplifying the integration of financial services into applications and customer experiences to the ease of drag and drop. One unified platform provides access to an extensive array of global financial functionalities. A user-friendly API allows developers to effortlessly incorporate worldwide financial services into their applications or customer journeys. This platform also handles billions of dollars in transactions each year, effectively managing your embedded financial services for you. If you possess your own financial licenses and operational capabilities, you can integrate them alongside our services to expand into new markets. With straightforward APIs, you can develop and implement any financial use case into your customer experience seamlessly. You can focus on designing exceptional products, marketing effectively, and engaging your customers while we take care of the technical complexities. Instantly issue virtual debit cards for one-time use, simplifying the management of subscriptions such as Netflix. Furthermore, wage advancement can be integrated smoothly within payroll systems to enhance employee satisfaction. By leveraging these tools, businesses can streamline their financial operations with remarkable efficiency.

Our cutting-edge payment solutions provide organizations with a more seamless, secure, and flexible approach to payment facilitation. We streamline the process of conducting quick, straightforward, and secure money transfers. As the world evolves and shifts toward a more digital landscape, we remain at the forefront by offering easy-to-implement, fully customizable business payment solutions through API technology. Our integrated offerings empower business owners to initiate payments directly from their existing web pages, portals, and apps. Pateno removes the need to familiarize yourself with additional applications, seamlessly merging with your current systems to simplify payment transfers and payouts for businesses, making the process more accessible and less of a burden. These API-driven payment solutions are designed to be highly intuitive, user-friendly, and easy to integrate, while ensuring robust security. We prioritize the safety of your transactions by employing secure APIs and SFTPs, which guarantee safe, encrypted access, transfers, and management, giving you complete peace of mind throughout all payment facilitation processes. This commitment to security and ease of use positions us as leaders in the evolving landscape of business payments.

Simplifying Embedded Finance. Effortlessly integrate financial services into your business through a single, connected no-code platform. While fintech can be complex, we streamline the process to make it user-friendly and easily integrable. Building fintech typically requires navigating numerous contracts, approvals, integrations, and workflows, but with Hydrogen, you can bypass much of the heavy lifting, ultimately reducing both costs and time by 80%! Discover our range of embeddable offerings: Cards, encompassing both physical and virtual card issuance. Issue fully customizable physical and virtual debit cards with our ready-to-use embeddable applications, free from lockups, minimums, or extensive setup processes. Additionally, earn revenue on each transaction! Payments, including ACH, bank authorization, P2P transactions, and roundups, can be seamlessly added to your business through our comprehensive embeddable applications. Enhance your financial management for both personal and business needs by integrating aggregation, accounting, cash flow, and budgeting analytics with our fully customizable embeddable solutions. This powerful combination empowers you to optimize financial operations and enhance customer experiences.

Our global banking APIs, fintech expertise and customer support will help you reduce your time to market, lower the cost of global payment processing, and expand your services and products internationally. It can be difficult to open international bank accounts. We will make it easy for you by making global reconciliation, direct debiting, and a unified global bank experience simple. International business can be done like a local. International vendors and customers can be paid with ACH, SPEI and SEPA wires. Our global network of FX and payment institutions gives your customers access rates that were previously reserved for the biggest corporations. Our new approach to cross-border payment ensures that no one is left behind. We believe in removing financial barriers to growth to ensure that every business has the chance to succeed.

A single API that connects payment cards to your applications. Two innovative products designed to create unparalleled customer experiences. Seamlessly link directly to customer cards using our secure SDKs while effortlessly accessing real-time transaction information from major providers like Visa©, Mastercard©, and Amex©. Remove obstacles for customers and create adaptable, tailored experiences. Obtain detailed transaction data from customers instantly. Leverage location and merchant insights to accurately determine when and where spending occurs. Ensure privacy through PCI-compliant SDKs that safely tokenize card information, allowing businesses to maintain trust with their customers. This comprehensive approach empowers businesses to enhance customer satisfaction while safeguarding sensitive data.

Unlock modern payment solutions through card issuance and management, allowing businesses to make informed payment choices and exercise control over transactions. With instantaneous access to data and streamlined reconciliation processes, all stakeholders remain informed continuously without any need for manual effort. You can utilize our user-friendly dashboard or integrate your own and access our APIs to facilitate payments and reconcile usage data smoothly and securely at no cost. Our cutting-edge, rapid payment infrastructure will enable you to develop the card-based programs essential for your business on the fly. We earn revenue when your satisfied partners conduct transactions using cards issued by your organization. With our open API, we've simplified the traditionally intricate process of payment issuance to just a few lines of code. Should you need assistance, our team of technical experts is readily available to support you. We’re providing all these benefits at no charge and will be launching our sandbox in just a month. Your input on this initiative would be greatly appreciated, as we strive to refine our offerings based on user feedback.

TrueLayer stands out as a premier technology firm that offers secure and worldwide access to financial systems. Our APIs empower developers to create top-tier products that can access data and facilitate payments instantaneously and securely. Established in 2016, TrueLayer has partnered with major global banks, is supported by prominent venture capital firms, and is trusted by leading fintech companies like Monzo, Revolut, and Zopa. By democratizing open banking through our platform, TrueLayer allows developers from various sectors — ranging from emerging startups to large enterprises — to transform financial services. Operating in the UK, Europe, and Australia, TrueLayer simplifies the integration of advanced payments and financial data into any application. Create innovative products that resonate with your users, enabling seamless money transfers at competitive rates while ensuring an exceptional user experience. Our solution eliminates the need for cards, minimizes fraud risks, and avoids chargebacks, ensuring a smooth financial transaction process.

Priority Commerce presents a comprehensive commerce platform aimed at optimizing revenue and promoting growth through its Priority Commerce Engine (PCE). This platform consolidates various financial services, empowering businesses to efficiently collect, store, lend, and transfer funds. Utilizing tools such as MX Merchant, users can manage billing, sales tracking, and customer interactions in one place, ensuring same-day funding across diverse payment methods like cards, ACH, and cash. Additionally, Priority Commerce accommodates a range of fee-based solutions, allowing for tailored payment processing that meets the unique demands of different businesses. For developers and independent software vendors (ISVs), Priority offers secure and feature-rich APIs that integrate effortlessly into applications, providing low-code or no-code options to accelerate development. Moreover, it automates banking operations, boosts financial transparency, and implements strong security protocols to mitigate fraud risks. This integrated approach not only enhances operational efficiency but also supports businesses in adapting to the evolving marketplace.

Corefy is a payment orchestration and white-label infrastructure platform designed for payment institutions, PSPs, fintech companies, large merchants, and digital platforms managing complex payment operations. The platform consolidates fragmented payment stacks into a single configurable system where businesses can manage payments and payouts, routing and cascading logic, analytics, tokenisation, anti-fraud controls, and operational workflows. Instead of building and maintaining multiple direct integrations, companies connect once to Corefy and gain access to 600+ pre-built connectors with global PSPs, acquirers, and alternative payment providers. At the core of Corefy is a powerful routing and cascading engine powered by 100+ attributes, including custom metadata. This allows businesses to define granular traffic distribution rules based on geography, BIN, currency, transaction parameters, risk signals, historical performance, or other custom conditions. Routing strategies can be adjusted without rebuilding infrastructure, enabling optimisation of approval rates, load balancing across providers, and more controlled risk management. Corefy also provides white-label capabilities for organisations launching or scaling their own payment products. The platform supports merchant account hierarchies, role-based access control, reporting, and operational tools needed to run payment businesses efficiently. For organisations that want to expand connectivity without complex migrations, Corefy offers Payment bridge — a lightweight extension layer that enables rapid rollout of new payment integrations on top of existing systems. The platform has processed over 1 billion transactions and powers dozens of active payment providers and platforms worldwide.

In various sectors such as education, healthcare, travel, and technology, Flywire offers specialized insights and advanced technology that help organizations enhance the payment experience for their clients while streamlining operational processes, including invoicing and payment reconciliation. By providing a comprehensive solution for receivables, Flywire facilitates educational institutions in efficiently receiving and reconciling payments from individuals across the globe—regardless of the time or location. Furthermore, Flywire revolutionizes payment processes by offering flexible, patient-centered options that cater to financial needs, promoting quicker payments that are advantageous for both parties involved. Additionally, Flywire ensures that your guests and suppliers have access to a secure and user-friendly payment method, allowing you to concentrate on delivering an exceptional experience. Ultimately, this system not only boosts efficiency but also enhances customer satisfaction.

Thunes is developing a global payment infrastructure to provide a better experience for customers. Your business and customers can easily connect to Thunes APIs to send payments to and receive payments from any part of the world. No intermediaries. No endless delays. Fast, transparent, and reliable payments. We have a solid and direct network that is reliable, trustworthy, and far-reaching. Our payment flow is optimized to each market and includes deep local insight into the difficult last mile. Access 130 of the most important and fastest-growing economies in the world, from 130 countries. Thunes integration makes it easy to make cross-border payments or collect funds.

Automate your trading activities, develop personalized services, or link your investments with pre-existing platforms. Begin trading over 8,000 international stocks and ETFs in our complimentary paper trading environment right now. Transition your use case to a live setting with a dedicated securities trading account offered through our licensed partner. Access an API tailored for stock trading and market data that empowers you to construct any brokerage scenario you envision. Utilize documentation that provides a solid foundation to kickstart your project. Stream both historical and current market data for seamless integration into your brokerage model. It's as easy as pie. Execute your trades using our REST-API, which is designed to be simple, efficient, and reliable. Create a unique brokerage experience with the lemon.markets API, which features a cutting-edge REST-API that allows you to tailor your brokerage project to meet your specific requirements. You can develop an automated trading bot that executes orders in the stock market, keeping an eye on price movements while establishing your own criteria for buying or selling. Ultimately, this flexibility allows you to engage with the market on your terms.

Zūm Rails provides real-world solutions that merge instant payments and open banking. The Zūm Rails software allows users to focus on distribution, while on the back end we mitigate the risk of fraud, aggregate KYC data and offer an unparalleled experience for the end-user. Our software is able to create a faster and more efficient payments process by eliminating unnecessary lag time of financial interactions through the use of the Zūm Wallet, reducing the risk of fraud for instant payments, and creating an overall better user experience by utilizing our real-time data aggregation feature. Zūm Rails software has been designed with scalability in mind. With a built-in Partner Portal, our users are able to manage and oversee their customer's transactions, while collecting insights and reporting. Work directly out of the Zūm Rails portal or utilize our seamless API to integrate directly into pre-existing systems and workflows. Zūm Rails software was built with every step of the payment journey in mind, creating a faster, safer, and more convenient digital exchange. To learn more, visit zumrails.com

Our Banking-as-a-Service solution provides all the tools necessary to develop your personalized banking offerings. Solarisbank operates as a tech firm with an official banking license from Germany. By utilizing our user-friendly APIs, you can seamlessly incorporate our comprehensive digital banking features into your existing product. We have successfully navigated the intricate technical and regulatory aspects of the banking landscape, allowing you to concentrate on what truly matters: serving your customers effectively. Leverage our robust APIs to design your customized banking solution. With our Digital Banking and Cards APIs, you can establish your own neobank tailored to your vision. Our B2B2X model ensures that you maintain complete ownership of the customer relationship throughout the process. The straightforward and clear API documentation we provide will enable you to get started in a remarkably short time. Built on cutting-edge RESTful APIs, our Banking-as-a-Service platform can be tailored to meet your specific requirements. We take on the regulatory responsibilities associated with operating a licensed bank, empowering you to prioritize your customers' needs and preferences without distraction. This way, you not only build a banking product but also create a valuable connection with your clientele.

Cashfree is a B2B payment platform that allows businesses to collect and disburse payments using its suite of solutions, including: - Payment Gateway that offers advanced features such as Instant Refunds, Instant Settlements, and Card Pre-authorization. API Banking platform – Payouts used for bulk disbursals such as vendor payments, delivery partner payments and salary disbursals. Other options include UPI Stack, Marketplace Settlements, and Refunds Suite.

Modern Treasury offers a payment operations platform along with versatile APIs that simplify the integration of money movement and tracking into your offerings without requiring significant effort. The process of money movement encompasses much more than simply transferring funds; our APIs streamline large-scale money transfers, encompassing bank connections, payments, and reconciliation, while our web application grants comprehensive oversight of fund flows, complete with approval workflows, notifications, and detailed reporting. By integrating directly with your bank rather than positioning ourselves within the flow of funds, we ensure that payments are executed twice as quickly. You can establish approval protocols and monitor payments from their initiation all the way through to reconciliation, with capabilities for ACH, RTP, Wire, and international payment solutions all accessible through a single API and web interface. Additionally, we facilitate automatic reconciliation of completed payments against your bank statement transactions as they are recorded, matching returns and reversals to their corresponding payments, which significantly enhances the efficiency of cash reconciliation processes. This seamless integration ultimately empowers businesses to focus more on growth while we handle the complexities of payment processing.

Atomic Financial provides a comprehensive range of advanced financial connectivity solutions aimed at improving the financial experiences of consumers. Through its robust APIs and SDKs, Atomic enables developers to create, integrate, and deploy financial products that simplify processes such as payroll, direct deposits, and income verification, among others. The platform caters to various industries, including investing, real estate, taxation, insurance, and lending, thereby enhancing the accessibility and efficiency of financial services for users. Prioritizing security and user experience, Atomic equips organizations with the tools to develop tailored, real-time financial solutions while ensuring stringent data privacy compliance. This commitment to innovation helps drive a more inclusive financial ecosystem that benefits both businesses and consumers alike.

Integrate your application seamlessly with your users’ financial information using a secure and straightforward Open Banking API. Create innovative and captivating products that will delight your users. Their financial data is available in various formats from numerous sources, and we facilitate access to over 90% of personal and business bank accounts across Latin America, including connections to tax agencies and gig economy platforms. With our Connect Widget, you can embed this feature into your product within minutes, allowing you to save valuable development time and concentrate on what truly matters. Our platform is designed with top-tier security measures and is currently in the process of obtaining ISO 27001 certification. Effortlessly connect your users’ financial accounts and enhance their data in just a few simple steps. From lending solutions to smart saving strategies, we’re here to help you develop exactly what your users require. By accessing, aggregating, and analyzing customers’ financial details, such as their income, you can create superior borrowing experiences that meet their needs effectively. Ultimately, our goal is to empower you to deliver exceptional financial solutions.

AxxonPay stands out as a leading provider of payment solutions and acts as a direct bank card acquirer tailored for high-risk merchants. We deliver a comprehensive selection of payment services encompassing Visa, Mastercard, JCB, UnionPay, as well as a variety of alternative payment options for customers around the world. Our technologies, which are driven by data, are specifically designed to meet the requirements of e-commerce businesses, ensuring that online transactions are straightforward, secure, and free from complications. Our payment gateway enables an integrated omnichannel payment experience, which merges acquiring capabilities with over 100 payment options, mass payouts, and innovative technology through one seamless connection. AxxonPay ensures rapid fund transfers at the click of a button, allowing clients to enjoy lower operational expenses and quicker market entry for growth initiatives, while achieving an ideal equilibrium between conversion rates and security measures. With a workforce exceeding 700 individuals, AxxonPay maintains a worldwide footprint with offices located in four different countries, and we operate under the licensing of the FCP in the UK. This extensive global presence enables us to provide exceptional support and services to clients, further enhancing their payment processing experiences.

Flinks enables the open, consent-based exchange of financial data and empowers you to connect consumers with the services they want. Flinks Enrichment is the smart analytics layer on top of your raw retail and business banking data. Whether your data pipeline is coming from Flinks, or you’re BYOD (bringing-your-own-data) from your existing integrations—extracting actionable, model-ready insights for credit risk analysis, income verification, life event detection or fraud prevention couldn’t be easier. Flinks Connectivity offers the largest financial data network coverage, allowing your customers to use your services by easily and securely connecting their financial accounts and sharing the data you need. From KYC to transactional data and assets, Flinks Connectivity is the backbone that will power your business and put you ahead of the competition. Flinks Outbound provides the Open Banking infrastructure you need to launch and adapt quickly in a dynamic market and regulatory environment. Winning with open banking goes far beyond just technology and APIs. Our extensive network of third-party applications that millions of Canadians are already using can become your launch

A straightforward yet robust solution designed for your current business credit card. Instantly generate secure virtual cards tailored for employees, projects, and vendors. The Extend App offers the most user-friendly and secure method to distribute virtual credit cards to your professional network. Innovate the products of the future with our API, which empowers developers with advanced virtual credit card functionalities. By harnessing Extend APIs, a prominent online lender has collaborated with a resort to provide guests with additional payment alternatives. This collaboration allows guests to enjoy an efficient payment method that includes immediate access to flexible term loans for various upgrades and enhanced experiences. Leverage our APIs to develop a diverse range of products in payment, lending, and beyond. An enterprising insurtech has adopted Extend APIs to streamline its payment processes, successfully resolving cash flow challenges for healthcare providers while gaining advantages from automated reconciliation and credit card rewards. As companies continue to innovate and adapt, the potential applications of these APIs are virtually limitless.

Elevate your company's earnings by partnering with a global payments provider. Expand your customer base and enhance conversion rates with an all-in-one payments solution that integrates PayPal, Venmo (available only in the US), credit and debit cards, as well as popular digital wallets like Apple Pay and Google Pay seamlessly. Foster revenue growth and unlock new business potential while accepting various payment methods through a single, cutting-edge integration. Additionally, gain access to top-tier tools designed to combat fraud, ensure data protection, and streamline your operational processes. Enhance customer loyalty and drive sales with an optimized payments experience that meets modern demands. Utilize the extensive PayPal network and advanced technology to tap into new markets effectively. Furthermore, manage internal expenses and automate back-end functions without compromising on revenue generation, all while boosting your ability to detect and thwart fraudulent activities, thereby approving more transactions. This is the preferred payments platform for some of the most renowned brands worldwide, setting the standard in the industry. By choosing this solution, you position your business for sustained success and growth in a dynamic marketplace.

It's the easiest way to connect your app to banks, payment gateways, or financial data in just minutes. Syncfy provides a variety of high-value, easy-to-implement functions that can be integrated with existing solutions or developed new ones. You can get seamless financial data feeds in a single, simple-to-use JSON format. Link to government institutions to automatically pull up e-invoices issued and received. You can also obtain monthly and year-end fiscal reports. One of our certified providers can create and stamp bulk invoices following all tax authority requirements. Securely and instantly verify your identity and financial credentials. Based on transactional data, offer fraud prevention and detention solutions. You can quickly get a complete picture of the financial status of your applicants and verify their income to make sound lending decisions.

Jaris simplifies the process of providing private-label embedded financial services that small business clients require, all through a single platform. By integrating high-value financial solutions, you can significantly enhance customer satisfaction and loyalty. With Jaris’ specially designed API, you can roll out essential services like Credit as a Service in mere months instead of years. Covering everything from underwriting to financing and support, Jaris offers a comprehensive, full-stack financial solution. Position yourself as an essential partner to your clients by offering user-friendly financial services that are vital to their operations. Ensure that your customers receive modern and rapid financial services at the precise moment and location they need them. By introducing embedded financial solutions, you can capture a larger market share and outpace your competitors. Additionally, you can provide swift, competitive financing options directly within your customer application, ensuring a seamless and innovative experience that keeps clients engaged. This approach not only strengthens client relationships but also positions your business as a leader in financial service offerings.

Our innovative technology allows you to integrate digital dollar accounts and real-time payment solutions into your offerings, creating new financial possibilities for your clientele. With an intuitive API and an online dashboard, you gain comprehensive control and the ability to tailor your user experience. Enjoy US-based digital dollar accounts with segregated funds, instantaneous cross-border transactions, savings options, and competitive foreign exchange rates. Our user-friendly, secure, developer-centric API enables your business to facilitate seamless borderless payments and digital dollar transactions. This solution empowers companies to access international products and services more rapidly and efficiently. Additionally, organizations can manage their treasuries across borders with minimized delays and reduced risks of errors. By assisting your customers in collecting payments from users globally, you provide them with essential US banking credentials and dollar accounts that offer immediate liquidity. This ultimately supports businesses in compensating their international workforce with accuracy and compliance. Furthermore, we ensure that customers can conduct fast and cost-effective transfers when sending or receiving money, enhancing their overall financial experience.

Meet TapiX, a Dateio API-based service that enriches real-time payment data and returns precise information about transaction ID. TapiX REST API enriches payments with company logo, exact company name, GPS, business type, google place ID, company URL and detects subscriptions. We recently started piloting income detection, and transfer enrichment. The enriched data gives you a complete source of information to make real-life business decisions that are based on a deep understanding of your clients.

Our goal is to assist businesses in creating digital finance products that are user-friendly, innovative, and inclusive, all while minimizing costs and eliminating fraud. Stitch empowers fintech and embedded businesses throughout Africa to efficiently onboard users and facilitate smooth bank-to-bank transactions. Simplify the payment process for your customers with a one-click checkout option, reducing the burden of high card fees. Enhance the onboarding experience for both customers and suppliers, allowing for effortless payments within your marketplace or platform. By using Stitch, payment service providers and aggregators can enable their merchants to provide instant, fraud-free pay-by-bank checkout options at a significantly lower cost compared to traditional card payments. Furthermore, streamline the payout process for customers and suppliers by using the same account linking, making it just as effortless to pay out as it is to receive payments. This comprehensive approach ensures that all transactions are not only efficient but also secure and cost-effective.

Discover a comprehensive solution for managing global payments, fraud prevention, tax obligations, and compliance. Create a direct-to-consumer channel tailored to your current needs while allowing for future expansion. By entrusting us with your back-office operations, you can prioritize what truly matters: ensuring customer satisfaction. Simplify the challenges of online selling with our expertise. Whether you are integrating top-tier providers into a cohesive solution or seeking an all-encompassing e-commerce platform, we possess the necessary tools and knowledge to facilitate your business's global growth. Our services enable brands to tap into new markets quickly, achieving expansion in mere months rather than years. With a robust global infrastructure that includes 26 local acquirers, 9 local entities, over 120 payment methods, and support for 46 currencies, we provide brands with the Onshore Advantage™, enhancing localized customer experiences and fostering sustained success in diverse markets. The future of your business begins with the right partnership, and we are here to ensure you thrive.