Wallester
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.
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Native Teams
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.
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Atlantic-Pacific Processing Systems
The APPS digital platform offers advanced optimization and instantaneous data, enhancing your insight into payment analytics. Our solutions are comprehensive, scalable, and tailored to align seamlessly with your growth objectives. Proudly serving as Visa’s FINTECH partner, APPS develops innovative technologies that consolidate your data into a centralized command center easily accessible at your fingertips. With a single master login, you can link customer payment information to your global merchant processing platform, ensuring a genuinely omnichannel experience. Furthermore, APPS has been appointed as the North American Acquirer for Visa payment gateways like Cybersource and Authorize.net, providing robust payment and data-centric acquiring solutions across the continent. Our digital platform is designed to deliver not just high-level optimization and real-time insights, but also to empower businesses with tools that drive their payment processing strategies forward. By leveraging our technology, clients can gain a competitive edge in the fast-evolving digital payment landscape.
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Visa Intelligent Commerce
Visa Intelligent Commerce represents an AI-based commercial framework that allows intelligent agents to find, suggest, and finalize purchases securely on behalf of users within the Visa ecosystem. This system offers comprehensive functionalities that enhance tailored shopping experiences by incorporating secure payment features directly into AI-driven platforms. It also supplies specific payment tokens and management tools for agents, allowing authorized AI systems to conduct transactions safely in accordance with user-defined permissions and guidelines. Designed to expedite AI-driven commerce, it merges Visa's extensive payment capabilities with inherent safeguards against fraud, disputes, and unauthorized transactions, thus enabling merchants to provide smooth and reliable transactions. Furthermore, through a combination of integrated APIs and a secure infrastructure, developers are empowered to incorporate Visa payment information into AI applications, allowing for autonomous agents to explore, shop, and complete payments while ensuring clarity and transparency throughout the process. This innovation not only enhances the shopping experience but also builds trust between consumers and merchants in the digital marketplace.
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