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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Fidesmo Pay
Trusted by the world’s leading payment schemes – Visa and Mastercard – Fidesmo offers one of the most simple, scalable, and secure platforms for tokenized payment. Our solution provides a reliable and convenient way to digitize and provision payment cards onto a wide range of devices equipped with a secure element. Today, Fidesmo collaborates with more than 800 issuing banks, enabling their customers to easily and securely add payment cards to any supported device through Fidesmo Pay.
Fidesmo Pay is a pure software platform, giving device manufacturers the freedom to choose the secure element that best fits their product’s technical requirements and design ambitions. Unlike closed or vendor-locked solutions, Fidesmo Pay is compatible with any secure element manufacturer that provides EMVCo-certified products, ensuring maximum flexibility and interoperability. This approach empowers device makers to innovate on form factor, style, and user experience without being constrained by specific hardware vendors.
Future-proof by design, Fidesmo Pay continuously expands its ecosystem by onboarding additional banks, payment schemes, and device categories. This means device manufacturers can focus on commercial growth, customer engagement, and branding rather than the complexity of multiple technical integrations. The platform also supports full white-label solutions and deep customization options, allowing banks, fintechs, and brands to bring tailored payment experiences to their customers.
By bridging the gap between financial institutions, secure element providers, and device manufacturers, Fidesmo Pay accelerates the rollout of tokenized payments across wearables, cards, and other innovative form factors. The result is a secure, open, and scalable payments platform.
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ShieldConex
Implement tokenization for primary account numbers (PAN) and related personally identifiable information (PII) or protected health information (PHI) to ensure adherence to regulations that govern the management of sensitive data. This strategy allows for a reduction in PCI DSS scope across various channels and with trusted third-party partners. By employing tokenization at the point of data entry, your organization can adapt to the ever-changing landscape of security requirements. The ShieldConex platform offers a vaultless and format-preserving tokenization solution for each data component, including critical payment information such as credit or debit card PAN, expiration date, CVV, and cardholder name. This approach helps to unify the payment experience not only across different businesses but also across various locations and channels, encompassing mobile, online, and in-store transactions. Embracing such a comprehensive strategy enhances both security and customer trust in your services.
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