Alternatives to Worldline

Juspay's Payments Orchestration Platform offers a comprehensive product suite for businesses, including open-source payment orchestration, global payouts, seamless authentication, payment tokenization, fraud & risk management, end-to-end reconciliation, unified payment analytics & more. The company’s offerings also include end-to-end white label payment gateway solutions & real-time payments infrastructure for banks. These solutions help businesses achieve superior conversion rates, reduce fraud, optimize costs, and deliver seamless customer experiences at scale. Trusted by leading enterprises across the US, Europe, LatAm and APAC, Juspay simplifies global go-to-market without writing a single line of code: - Integrate 300+ local payment methods across 50+ countries in minutes, not months. - Design a pixel-perfect checkout UI that balances local payment methods with your brand. - Deploy seamlessly across all platforms with powerful AB testing frameworks. - Launch customizable offers & incentives to boost customer retention. - Reconcile your transactions across multiple PSPs and get consolidated & customized settlement reports. - Track PSP performance across dimensions, and analyze buyer conversion across the funnel on a customized analytics dashboard. Juspay’s platform is everything you need to master payments – a future-ready stack built for global scale, higher conversions, and enterprise-grade reliability.

SBS Banking Platform is a flexible, cloud-native solution that empowers financial institutions to scale at their own pace, offering seamless, digital-first experiences anytime and anywhere. As a fully integrated, front-to-back platform, it drives innovation across a wide range of sectors, including retail, corporate, and neobanking. Whether it’s digital and open banking, deposits, payments, lending, or compliance, SBS Banking Platform provides the tools and infrastructure needed for financial institutions across EMEA to stay ahead of the competition. The platform’s versatility allows for tailored solutions, enabling banks to innovate and meet evolving customer demands. Trusted by top-tier banks, SBS Banking Platform is widely recognized by industry leaders such as Gartner, Forrester, NelsonHall, and IBS for its transformative impact on the financial services landscape. Recent accolades, including recognition by Omdia for digital banking, Chartis for regulatory reporting, and NelsonHall for Cloud, SaaS & BPaaS, highlight the platform’s role in driving progress and excellence in the financial sector.

BlueSnap's All in-One Accounts Receivable Automation solution is the best rated software solution for payment processing, billing/invoicing, recurring billing, and subscription management. Billing and Invoicing: Create stunning invoices using our powerful invoice editor, which is integrated into your accounting system. You can create a customer portal and allow automatic charging, payment collection, late fees, and payment collection. BlueSnap offers subscription management and recurring billing for fast-growing companies worldwide. You can enable trial periods, manage subscriptions, and prorate subscriptions. Payment Processing: BlueSnap can integrate with all types of payment solutions, including credit card payments, ACH and SEPA, as well as wires. We can handle partial payments, automatic failed payments retry, or automatic payment recovery.

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.

Are you looking for a seasoned and reliable payment orchestration platform? PremierCashier is your no-code, turnkey solution. Through one simple solution, you can connect with hundreds of pre-built payment methods, PSPs, and gateways. Accepted devices, currencies, and languages include popular cryptos. Strong credit card routing with intelligent failover, clever algorithms, and rules to ensure you don't lose money. Reach your full payment potential with our payment orchestration software. To maximize your payment conversions in each geo market, you can use either our payment consultancy or your existing merchant accounts. Automated customer profiling allows you to keep your processing secure while providing your customers with a VIP experience. Our dashboard is unrivaled in terms of providing actionable data to maximize conversions. Our API is very simple to incorporate into CRM/ERP integrations so you can be up and running in hours. Become your corporate hero in payments and contact us today.

Qwist stands as the foremost independent B2B2X open finance platform in Europe, delivering an extensive array of products aimed at optimizing financial services and improving customer interactions. The platform's mbed digital lending suite integrates flawlessly with e-commerce sites, allowing digital retailers and marketplaces to partner with top banks for immediate access to a range of financing solutions, which fosters a distinctive, complete customer experience. It offers cutting-edge payment solutions tailored for high-value items, streamlining the entire digital lending process with options that include consumer credit and installment payments. Additionally, Qwist supplies real-time insights into financial transaction data, ensuring detailed categorization, verification of financial identity, assessment of disposable income, initiation of payments, and insights into risk. This robust toolkit enables businesses to harness thorough financial data for purposes such as verification, risk mitigation, and enhancing sales opportunities, thereby driving greater efficiency and effectiveness in their operations. As a result, Qwist not only enhances the financial service landscape but also empowers businesses to create more personalized and effective customer experiences.

TETRA allows you to harness the reliable technology of Ingenico while making the shift to a digital landscape. With an operating system boasting a legacy of 40 years, it offers environmentally friendly payment devices supported by a comprehensive range of services, which includes various remote operations aligned with our commitment to global sustainability. Tailored for diverse settings, TETRA terminals facilitate the acceptance of any payment type with both robust security measures and intuitive user interfaces. Powered by a proprietary operating system that has proven its durability, TETRA is adaptable for use in countertop, portable, mobile, lane, and self-service scenarios, featuring a wide selection of devices. These terminals are crafted to suit different environments, efficiently addressing all payment situations. TETRA boasts the most extensive collection of payment applications worldwide, ensuring compatibility with every generation of the platform. This includes over 3,500 distinct payment methods, encompassing options such as contactless transactions and payments made via QR codes, making it a versatile solution for modern commerce.

Renowned retail brands, prominent financial institutions, and countless merchants across the globe place their trust in Verifone for innovative, straightforward, and secure payment acceptance solutions that cater to anyone, anytime. Our commitment lies in equipping you with the tools and insights necessary to enhance your customer experience and drive rapid growth. Begin your journey of online payment acceptance today with a versatile and scalable commerce platform. Verifone’s eCommerce API offers a merchant-hosted solution that is built on a robust REST architecture, allowing vendors to safely manage online and mobile transactions. With our Hosted Checkout solutions, you can quickly and securely start processing online payments without the need for extensive web development, as these systems are simple to integrate and provide merchants with a variety of options. Additionally, the Virtual Terminal serves as a ready-to-use payment interface, enabling the processing of mail order and telephone order (MOTO) card transactions through Verifone’s Central Portal, thereby streamlining the payment process for your customers. By utilizing these solutions, businesses can enhance their operational efficiency and improve their overall customer satisfaction.

BANKSapi is an innovative platform that utilizes APIs for Open Banking and Open Finance, operating under a PSD2 license granted by BaFin in Germany. It offers a range of services including account aggregation (Account Information Service - AIS) for various types of accounts such as current, payment, savings, building society, custody, and loans, all accessible through a unified API. Additionally, the platform provides A2A payments (Payment Initiation Services - PIS) and advanced data analytics derived from account information to enhance user experience. For businesses looking for a quick launch, BANKSapi also offers customizable widgets that integrate a user-friendly interface with secure API functionality. Currently, BANKSapi is focused on serving the markets of Germany and Austria, aiming to expand its reach and capabilities in the near future.

Our company offers comprehensive services to banks, collaborating closely with them to promote digital transformation across Europe and support overall advancement and development for everyone involved. We assist over 1,000 partner banks and financial institutions throughout Europe in effectively managing their customers' payment cards by providing tailored and modular services that encompass processing, card management, dispute resolution, security measures, fraud prevention, and customer value management. Additionally, we equip financial institutions with efficient technological solutions and services that facilitate access to both domestic and pan-European clearing systems, interbank payment and collection management, as well as sophisticated capital markets infrastructures, ensuring they remain competitive in a rapidly evolving landscape. Our commitment to innovation and partnership enables us to create sustainable growth avenues for our clients.

Make certain that your card issuing engine is designed to withstand future challenges. Deploy a diverse array of business models on a unified software platform, encompassing credit, debit, and prepaid cards, as well as fleet initiatives, virtual cards, loyalty programs, wallets, tokenization, and various corporate and family schemes, among others. Strive to deliver an exceptional experience for your cardholders, partners, and internal stakeholders by providing tailored services precisely when and where they are needed. Innovate by introducing new card products that achieve remarkable time-to-market alongside comprehensive functional capabilities. Minimize the need for manual interventions and lower administrative expenses by automating and optimizing workflows. Ensure rapid scalability in both volume and geographic reach. Enhance the profitability of conventional instruments with intelligent value-added services. Position your card as the preferred choice for third-party services within the open banking framework, leveraging your data-rich APIs. Depend on APIs and SDKs for seamless integration, both internally and externally, to foster collaboration and efficiency. This approach will not only future-proof your operations but also enable you to adapt swiftly to changing market conditions.

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

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.

Reduce the time spent managing receivables by enrolling your clients in a system that replaces obsolete manual processes with efficient automated digital collection methods and communication channels. Offer your clients a variety of digital payment options, such as ACH, credit cards, and open banking, to simplify the payment process and enhance the accuracy of your financial records. Stay informed about your cash flow with regular automated reports and analytics tailored to your business's requirements. Use specialized customer ratings derived from credit assessments and engagement metrics to make well-informed decisions and refine payment strategies effectively. Anticipate your future cash flow by analyzing both current and historical payment patterns. Optimize your workflows for better prioritization, and take advantage of customizable communication templates and strategies while maintaining a white-labeled approach to branding. This comprehensive solution not only streamlines processes but also empowers your financial management capabilities.

Apron serves as an essential ally for every small business by streamlining the process of gathering and settling invoices quickly. This allows you to focus on advancing your business rather than getting bogged down by administrative tasks. With payments and approvals integrated seamlessly, the flow of funds remains uninterrupted. Just a few clicks, and you've selected the vendors to pay, with transactions being executed directly from your bank account. You can establish roles and workflows that enhance communication and facilitate the movement of funds. Payments are instantly reconciled in your accounting software, leaving you with one less task to worry about. To get started, simply sign up using Xero or QuickBooks, complete a brief three-minute security verification, and make your first transaction. Since every app in your ecosystem can be a potential point of security failure, Apron consolidates payment handling into a single platform. By reducing the number of apps you need, we simplify your financial processes. Clients must authorize payments directly through their banking systems to ensure security, and Apron is compatible with all UK banks without any limitations. For those banks that do not support open banking, customers can still easily make payments via traditional bank transfers, ensuring flexibility in managing finances. Ultimately, Apron not only streamlines payments but also safeguards your business's financial health.

We are developing a groundbreaking global payment network that operates in real-time, enabling you to transfer funds with incredible speed from any location. Experience instantaneous payments no matter where you are. Unlock your potential by connecting to this pioneering real-time payment infrastructure. Our mission is to revolutionize global transactions by providing a unified gateway for seamless account-to-account transfers. This innovative system creates an exceptional open payments network, ensuring that money transfers and currency conversions are finely tuned for efficiency. Harnessing the power of open banking, this interconnected framework is changing the dynamics of international financial transactions. Welcome to the future of eCommerce. By integrating diverse real-time open payment solutions into a cohesive standard, we empower businesses to deliver a consistent and hassle-free payment experience to customers worldwide. Our commitment to detail has resulted in a sleek and user-friendly interface that appeals to those who value convenience. Featuring smart bank search functionality and a mobile-friendly design, our checkout process prioritizes both speed and ease of use, making transactions seamless for all users. Additionally, this approach fosters a new era of financial accessibility and innovation.

Simplifying Credit Card Processing and Merchant Services. Comprehensive Payment Solutions Tailored for Your Business. Since its inception in 2012, MagicPay Merchant Services has catered to a vast number of merchants across the globe, offering essential merchant account services. Our suite of credit card processing, ACH, and eCheck solutions, combined with innovative point-of-sale systems, empowers your business at every stage, fostering a thriving commercial environment. Enjoy a complimentary EMV Terminal, compatible with both Dial-Up and Ethernet connections. Elevate your management skills with our retail and restaurant POS solutions, designed to streamline operations. With our wireless terminals, you can process payments anywhere, featuring convenient on-screen signature capture. Our mobile payment solutions enable you to accept transactions seamlessly through your smartphone or tablet using our Bluetooth card reader. Additionally, our online payment options include a virtual terminal, recurring billing, electronic invoicing, and comprehensive e-commerce capabilities. Furthermore, we facilitate multi-currency processing, allowing you to accept payments in over 120 currencies while settling transactions in USD, ensuring a global reach for your business.

GoCardless is the UK's most trusted online direct debit provider. It makes it easy to process recurring and one-off payments. GoCardless is cost-effective and secure. It offers an easy migration process and transparent fees. The platform has pre-built integrations to leading accounting, membership, and subscription software such as Quickbooks, Sage Sage, Zuora and Online Scout Manager.

Conductor stands out as the premier banking-as-a-service and card issuance platform in Latin America. This cutting-edge, cloud-native platform, equipped with an open API, empowers a variety of fintechs, banks, retailers, and enterprises in the region, facilitating the launch and expansion of innovative digital accounts and card initiatives. Currently, Conductor manages more than 85 million accounts and oversees a staggering payment volume exceeding $20 billion throughout Latin America. As a frontrunner in the digital transformation of the payments sector, Conductor's technology allows businesses across multiple industries in Brazil and the wider region to deliver optimal payment solutions to their clients. Additionally, Dock serves as a payment institution that provides an Open Banking platform, enabling other companies to seamlessly offer financial services and efficiently establish their own banks or fintechs in a white-label format. This synergy between Conductor and Dock epitomizes the evolution of financial services, making it easier for businesses to innovate and meet consumer demands.

Instantly receive payments directly into your bank account, complete with automatic invoice reconciliation that connects effortlessly to your preferred accounting software. With Crezco, you can send or receive international payments straight from your existing local bank account, eliminating the hassle of setting up virtual IBANs or local wallets. The integration with major accounting platforms ensures a user-friendly account-to-account payment experience. Our API is tailored to simplify processes for your team, allowing customers to send and receive payments immediately. Users can initiate a batch payment with just one authentication step, and each transaction is clearly listed as individual entries on bank statements. Moreover, Crezco can seamlessly integrate and recognize CSV files from widely-used accounting and payroll systems, while also providing the option to manually import files when necessary. This versatility ensures that your financial operations remain efficient and straightforward, catering to various user needs.

Powens stands out as a premier platform for open finance and embedded banking, enabling financial institutions, fintech companies, and software providers throughout Europe and Latin America to develop cutting-edge products while enhancing their financial workflows with seamless and fully automated banking and payment solutions. With connections to more than 1,800 financial institutions in over 12 European nations, Powens provides instantaneous access to standardized bank account information, which includes detailed balances, transaction histories, and past data from current accounts. Their extensive offerings feature data and document aggregation, data processing, as well as accounts and payment solutions, ensuring a comprehensive approach to financial operations. Furthermore, Powens maintains exceptional quality benchmarks, boasting a remarkable 99.5% success rate in data refreshes and a 99.95% API availability rate sustained over an impressive span of 11 years. These standards reflect Powens' commitment to reliability and innovation in the financial technology sector. Ultimately, their robust platform not only enhances user experience but also fosters greater trust among their diverse clientele.

Token.io has reimagined account-to-account (A2A) payment infrastructure to empower banks, fintechs, platforms and payment companies to grow revenue, cut processing costs, and streamlining operations by delivering best-in-class payment experiences with turnkey Pay by Bank solutions. Recognised as one of the top two A2A payment infrastructure providers globally by independent analysts, unmatched connectivity and best-in-class partner services make Token.io a market leader in open banking and A2A payments infrastructure. Connections to over 90% of bank accounts in most of its 21 supported markets ensure unrivalled access to initiate instant bank payments, seamless recurring payments and real-time payouts to over 567 million bank accounts in Europe. Token.io is proud to partner with three of Europe's top five financial institutions. Its solutions are also trusted by a blue-chip payments community, including Mastercard, ACI Worldwide, Global Payments, Nuvei, and Paysafe.

Experience a global cryptocurrency payment solution that is not only straightforward but also robust and easy to implement. Enhance your revenue and combat fraud with a customizable on-and-off-ramp that creates smooth experiences for users worldwide. MoonPay serves as the backbone for leading cryptocurrency wallets, apps, and websites by providing a comprehensive payment solution. Customers can conveniently make instant bank transfers through Open Banking in the UK and EU, with ACH support on the horizon. Our user-friendly KYC process simplifies the onboarding experience, allowing you to expand your user base while addressing the critical issues that often cause customer drop-off. The innovative pass-through KYC feature ensures that your existing data is seamlessly integrated, preventing customers from needing to verify their identities multiple times. With extensive testing across numerous integrations, we have compiled all the necessary resources to facilitate a quick and easy payment acceptance setup. This way, you can focus on what matters most—growing your business and serving your customers effectively.

Finexer is an FCA-regulated, API-focused platform that is transforming the way small and medium-sized businesses (SMBs) interact with and leverage financial data. By integrating seamlessly with all banks in the UK, Finexer provides real-time insights and facilitates Pay-By-Bank transactions via an intuitive dashboard, achieving deployment speeds that are 2-3 times faster than its competitors. The platform boasts a variety of key features, including Data (AISP) and Payments (PISP) APIs: 1. Access to Real-Time Bank Transactions: Businesses can obtain immediate insights into bank transaction data, enhancing their decision-making processes and allowing for personalized user experiences. 2. Balance Insights: Gain critical information regarding customers' income, expenses, and balance trends, enabling the delivery of customized services and targeted marketing offers. 3. Open Banking Payments: The platform supports secure account-to-account payments with instant settlements and automated recurring transactions (currently in Beta), leading to potential cost reductions of up to 90%. With its robust data capabilities, customizable white-label solutions, and security that complies with PSD2 regulations, Finexer equips businesses to streamline operations, boost revenue, and enrich customer experiences, ultimately positioning them for future growth and success.

Accept payments through ACH payment options that cater to your customers' needs, allowing them to make transactions from any location, at any time, and using any device with our reliable online payment platform. PaymentVision’s services empower your clients to handle payments seamlessly whenever they wish, utilizing a secure online interface. Enhance your customer experience with a self-service, multilingual phone system that enables automatic phone payment collection around the clock, eliminating the need for an agent. Our virtual terminal not only simplifies the payment process for your staff but also improves the efficiency of call handling. With our integrated payment solutions designed for interactive kiosks and various self-service terminals, you can create a compliant and user-friendly experience for your customers. Features such as real-time ABA and account number verification, along with customizable reporting options, further assist your business in streamlining check processing, ensuring an efficient operation. By integrating these solutions, you position your business for enhanced payment efficiency and customer satisfaction.

Payoneer enables businesses to expand both globally and locally through a cutting-edge payments and working capital platform tailored for modern entrepreneurs. You can obtain bank account numbers in multiple currencies, including USD, EUR, CAD, AUD, JPY, and MXN, allowing you to receive payments as effortlessly as if you had a local bank account. By connecting with a vast array of marketplaces, you can start receiving payments in just a few clicks. Our Billing Service provides a straightforward payment option for your international clients. You can transfer your earnings to your local bank with minimal fees or access them via ATM. Additionally, you can easily pay VAT authorities in the EU and UK using the GBP and EUR funds from your Payoneer account without incurring any fees. Furthermore, streamline your expenses and simplify your operations by paying contractors directly from your Payoneer balance at no cost. By utilizing our network of integrated service providers, you can enhance your business efficiency, foster global growth, and enjoy a variety of advantages tailored to your needs. With Payoneer, you can focus on what truly matters: growing your business and reaching new markets.

Let’s delve into the enigmatic realm of payment processing and illuminate a sector often shrouded in obscurity. There are no hidden agendas here; our guiding principle is transparency across the board. We aim to dismantle the barriers that many merchant providers and processors erect to obscure their practices. Rather than complicate matters, we offer a credit card processing solution that business owners can confidently utilize for their merchant accounts. What advantages come with premier merchant services? Reach out to discover the array of benefits our credit card offerings can provide. Upon request, we can furnish a comprehensive rate comparison that showcases the potential savings Dharma can deliver. We are committed to sharing our insights and will disclose if our rates are not the most competitive available. Our priority is to guide you toward the best options, regardless of the effect it may have on our business. Furthermore, we believe that informed decisions empower merchants to thrive in an increasingly complex industry.

Certain industries are low-risk when it comes to processing credit cards, while others are high-risk. Low-risk industries have a lower incidence of fraud or chargebacks. As a result, these industries pay lower processing fees, and have fewer account restrictions. While these industries are considered low-risk in general, each business is unique and will be subject to different restrictions and processing fees based on various factors. Even low-risk industries can experience fraud or chargebacks on occasion, so businesses should take steps to protect themselves and minimize risk. Merchants can manage transactions, process payments and generate reports for all payment processing activities from a single account. Give your merchants valuable insight into customer behavior by providing a single view across all channels.

The implementation of the PSD2 Directive on January 13, 2018, marked a pivotal moment in the digital evolution of the banking sector. This transformation affects the entire payments ecosystem, encompassing both banks and entities classified as banking service providers. A new landscape has emerged in which Third Party Providers (TPPs) are allowed to access account data and facilitate payments, contingent upon explicit consent from users, known as Payment Service Users (PSU). If you are a TPP or aspiring to become one, and you wish to integrate with our API platform, please check our “Get started” section for detailed guidance. Our platform represents the future of digital payments. The WWS Open API is designed to harness the opportunities presented by Open Banking and PSD2 regulations. Additionally, the WWS Open API sandbox offers TPPs a space to test functionalities available on the platform through sandbox APIs, ensuring they can innovate and refine their services effectively. This collaborative environment fosters innovation and encourages the development of new financial solutions.

Yapily offers a seamless customer experience while navigating the dynamic landscape of Open Banking compliance. Tailored specifically for open banking, it ensures smooth connectivity for users. It stands out as the only technology firm chosen by IBM for its open banking solutions. As new open banking APIs become available, businesses can tap into fresh markets and larger transaction volumes. A single open API provides access to essential data that enhances the experience for end-users. This includes functionalities like aggregating, categorizing, and enriching account information, as well as initiating payments and transactions, enabling businesses to provide tailored financial advice. By removing technical obstacles, Yapily allows any organization to engage with customers through one secure and unified connection. This empowers banks, financial service providers, and developers to quickly create, integrate, and oversee their own APIs for effective communication. As a result, Yapily not only streamlines processes but also fosters innovation in how financial services are delivered to consumers.

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

With the increase in payment channels, the avenues available for fraudsters have also expanded, raising the potential liabilities for banks significantly. The rise of real-time payments, Open Banking, and digital interactions only serves to escalate these issues further. Conventional anti-fraud measures struggle to effectively thwart payment fraud, as they typically depend on numerous static and reactive rules that are inadequate for identifying emerging fraud patterns and often generate excessive false alarms. By utilizing cutting-edge 3D artificial intelligence (3D AI) technology, the NetGuardians platform, known as NG|Screener, provides real-time surveillance of all bank payment transactions, enhancing fraud detection while minimizing false positives. This advanced system pinpoints suspicious payments linked to social engineering tactics or scams, such as invoice redirection, romance fraud, and CEO impersonation, while also correlating these incidents with indicators of digital banking fraud, including eBanking and mBanking sessions compromised by malware or takeover fraud stemming from identity theft. As the financial landscape continues to evolve, innovative solutions like NG|Screener are essential for safeguarding banks and their customers against increasingly sophisticated fraud threats.

AI seamlessly converts bank feeds into accurate accounting with a remarkable 95% precision, as recognized by Forbes' AI benchmark. This system is fully automated and can be tailored to suit individual client needs, resulting in usage rates that are tenfold compared to traditional banking platforms. An impressive 85% of users access their accounts monthly, showcasing the platform's effectiveness. The rise of open banking, driven by neobanks such as Google, Intuit, PayPal, and Square, poses fresh challenges to your business banking revenue streams, affecting areas like deposits, loans, and payments. To enhance your net banking revenue, leverage real-time cross-selling opportunities and maximize the potential of your existing small business clientele through Smart Advices™ powered by OneUp. The OneUp platform is built on an API framework to guarantee quick integration while providing the necessary customization and adaptability for your initiatives. It effectively presents income, expenses, and overall profitability for specified periods in chosen currencies, thanks to the data processing capabilities of OneUp AI, which translates bank feeds into precise accounting entries. This innovative approach not only streamlines financial management but also empowers businesses to make informed decisions based on real-time data.

We provide banking information to enhance your business operations. Companies across the globe are revolutionizing their offerings with Kontomatik. Regardless of your institution's type or budget constraints, Kontomatik has the right solution for you. If you seek a partner to empower your business through banking data or have ideas for innovative products or services utilizing open banking, we are here to assist you. Discover how Kontomatik's features can benefit your company. Streamline the onboarding of your customers with our user-friendly widget, facilitating a smoother transition to online channels. Leverage data from users' bank accounts to eliminate manual processes, ensuring a seamless customer experience that boosts conversions by simplifying the procedure and minimizing errors. Gain immediate access to dependable, real-time data regarding clients' income structures, and verify bank account numbers prior to executing any transfers. Enhance your decision-making with more precise evaluations and improve acceptance rates significantly, allowing your business to thrive in a competitive market.

The initial phase of engaging a client or onboarding a new employee involves confirming their identity. Transform extensive paperwork into a swift and seamless online process that prioritizes security. Cross-reference client details with various government databases and resources to ensure compliance with current UK and EU anti-money laundering regulations. Utilize document verification methods that include face-match scanning to authenticate documents from more than 195 nations. Conduct screenings for both domestic and international politically exposed persons (PEPs), sanctions lists, and negative media coverage sourced from 500 million web pages, with the possibility of continuous monitoring. Securely validate financial balances, transactions, payees, income, and affordability utilizing FCA-regulated open banking technology. Quickly confirm an individual’s current address and date of birth by matching them with records from banks and credit providers in real time. This comprehensive approach not only ensures compliance but also enhances the overall efficiency of the onboarding process.

We are closing the divide between raw information and actionable insights, enabling you to cater to more clients, enhance your product offerings, and make more informed choices. This innovative method redefines how we assess financial health and creditworthiness. Utilize cash flow underwriting to effectively gauge the risk of credit defaults while also scoring consumers with limited or no credit history. Organize, classify, and enrich chaotic transaction data to produce clear, streamlined, and precise account activity reports. Extract critical insights related to consumer financial status, such as liquid assets, outstanding financial commitments, and spending behaviors. Examine banking transactions to determine gross and net earnings, assess income reliability, employment status, and sources of income. The era of open banking has arrived, and regardless of whether you operate in banking, lending, real estate, personal finance, or insurance, Prism Data offers you a significant chance to maximize the potential of your data. This comprehensive approach not only empowers businesses but also enhances the customer experience by providing tailored financial solutions.

All your customer management needs can be met with a fast and flexible decision engine. Paris is easy to use and adopt due to its intuitive user interface. Paris is a highly configurable and flexible decision engine system that allows for maximum flexibility and growth. You can implement models, both machine learning and traditional, across multiple products and decision science applications. These include marketing, credit scoring, customer management, collections, and marketing. It can be audited with all input, derived, and output variables available to any reporting suite. Software that is flexible and business-oriented Visualization and interaction with decision trees Analysis and design of an 'open box strategy'. Continuous improvement and strategy testing Route planning and decision making that is reliable and accurate. Multi-bureau and open bank support.

The Ninth Wave Platform presents a unified and robust open banking solution that allows financial institutions to share permissioned data securely and efficiently with various third-party applications, such as aggregators, fintech firms, accounting and ERP systems, personal finance management tools, tax preparation software, and other consumer and business applications. By utilizing Ninth Wave, retail and commercial banks, credit unions, wealth managers, and other financial services entities can provide their customers with swift and convenient access to their information on their own terms, available anytime through any chosen application or service. This innovative approach not only enhances the digital experience for users but also fosters greater satisfaction and loyalty, attracts a broader customer base, generates new revenue opportunities, mitigates risks, and ensures compliance with regulatory requirements for clients. Ultimately, Ninth Wave empowers financial institutions to adapt to the evolving landscape of digital banking while maintaining a competitive edge.

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.

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.

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.

We manage the entire process of user and bank account creation, customer onboarding, compliance verification, and adherence to regulatory standards. Our commitment ensures that we provide services that meet industry compliance benchmarks while delivering a seamless experience for users. By implementing our comprehensive core banking system, you can introduce innovative and customer-focused banking solutions. We empower businesses to offer efficient payment solutions tailored to their customers' needs. No matter what payment challenges arise, our diverse solutions are equipped to address them effectively. Additionally, we assist organizations and financial institutions in issuing customized physical and virtual cards. By tailoring our card programs to your specific requirements, we ensure that your needs are met precisely. We bridge the gap between finance, technology, and commerce through our extensive capabilities, which include collection technology, payout solutions, merchant plug-ins, and payment gateways, among others. Our all-inclusive solutions take care of the complexities, allowing you to swiftly launch cards, programs, or any financial technology product with ease and efficiency. With our support, businesses can focus on growth while we manage the intricate details of their financial operations.

Our merchant processing system provides a singular, intuitive portal for easy access. This payment platform is equipped with a variety of integrations and additional features that enhance its capabilities, enabling you to offer even more convenience to your clientele. When seeking a seamless transaction experience, this comprehensive credit card processing option stands out as the best choice. Within this all-encompassing portal, you can obtain a real-time overview of your business's payment activities or delve into each transaction for tasks like processing refunds, voiding transactions, or resending and reprinting receipts. Additionally, you have the capability to analyze customer behavior by distinguishing between new and returning clients, as well as their payment preferences, whether they opt for magstripe cards, EMV chip cards, or contactless payments via mobile devices. All these advanced transaction management insights are available in real-time, seamlessly integrated with your POS reporting system, ensuring your business remains agile and responsive to customer needs. Furthermore, this robust system not only streamlines your operations but also empowers you with valuable data to enhance your overall service delivery.

FroogalPay is an intuitive platform that serves as a Virtual Terminal, Invoicing System, and Pay Now Button (Hosted Payment Page), designed to enhance the processing of credit cards and ACH transactions through over 135 payment gateways. Your skills in sales and your network are crucial because FroogalPay relies on you for distribution. Our focus is on developing excellent payment processing software, and we depend on your expertise to connect merchants with our solutions. This platform is tailored for developers aiming to deliver secure payment experiences across retail, eCommerce, and various business applications, ensuring both versatility and reliability in payment processing. As the landscape of digital transactions continues to evolve, FroogalPay remains committed to empowering merchants with innovative tools that simplify their payment solutions.

Advantica Cloud Core Banking is our exclusive electronic banking platform that delivers an all-encompassing core banking experience. It features a wide range of multi-channel banking products and services, along with assistance in executing business strategies. This system adheres to the latest standards outlined in the Payment Services Directive (PSD2) and embraces the principles of Open Banking. Known for its security, stability, scalability, and reliability, Advantica has been successfully deployed by Softax in some of the largest financial institutions across Europe. Additionally, its robust infrastructure ensures that it can adapt to changing market demands effectively.