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229 Listings in Fintech & Payments Available
What is Carta? Carta is equity management software offering an equity management platform for cap tables, 409A valuations, fund administration and liquidity. Founded in 2012 and based in San Francisco, California, USA, Carta helps startups, private companies and funds work more efficiently and achieve better outcomes. Key features of Carta Cap table management 409A valuations Fund administration Employee equity education Analytics and reporting Integrations with Gusto, Rippling, DocuSign and more Who uses Carta? Carta is built for startups, private companies and funds. It suits teams that want cap table management without spreadsheets and disconnected tools. Why choose Carta? Compared with alternatives like Pulley, Carta differentiates on cap table management. Pricing is quote-based and scoped to your usage and team size.
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Mamo is a UAE fintech that helps businesses collect payments, send payouts, and manage spending with corporate cards, all from one dashboard. Built for the region's SMEs and startups, Mamo Business offers payment links, online checkout, mass payouts, and expense management without the heavy onboarding of legacy processors. Mamo runs a free Growth tier and a Premium plan, with UAE card acceptance priced around 2.7% + AED 0.80 per transaction. Its focus on a clean, mobile-first experience has made it a popular way for small UAE companies to get paid quickly.
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Explore how leading Fintech & Payments solutions compare based on customer satisfaction, market presence, adoption, and buyer feedback. The Market Grid helps you identify category leaders, high-performing solutions, and emerging products within the Fintech & Payments ecosystem.
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See where fintech & payments fits in a complete stack, with the other software, AI agents and services each business needs.
Yapily is a UK-founded open banking infrastructure provider that offers a single API for accessing bank data and initiating payments across the UK and Europe. Focused on being an enterprise-grade, developer-first infrastructure layer, it connects to thousands of banks so businesses can build account information and payment experiences without integrating each bank directly. The platform covers account information (aggregation and transactions), payment initiation (single, bulk, and variable recurring payments), data enrichment, and hosted authentication under its licence, on custom, sales-gated pricing based on business stage and volume, with a free sandbox for testing. Its API-only, infrastructure-focused approach differentiates it from consumer-facing open banking apps. Yapily serves fintechs, lenders, payment providers, and enterprises that want reliable open banking data and payments infrastructure across Europe. Its broad bank coverage, developer focus, and enterprise positioning make it a leading open banking API provider.
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Wise Business gives companies a fast, low-cost way to manage international money, offering multi-currency accounts that can hold and convert dozens of currencies, receive payments like a local in major markets, and send cross-border payments at the mid-market exchange rate with transparent fees. This helps businesses that pay overseas suppliers, contractors, or staff avoid the hidden markups and high fees of traditional banks. Batch payments and cards extend its usefulness for global operations. The platform provides business debit cards, expense controls, and integrations with accounting tools like QuickBooks and Xero, plus an API for automating payouts at scale. Its transparency and speed make it popular with SMBs, freelancers with clients abroad, and companies with international operations. Wise Business is designed for businesses of all sizes that need affordable, transparent international payments and multi-currency accounts.
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What is Xepelin? Xepelin is B2B financing software offering a financial platform for Latin American SMBs with invoice financing, payments and accounts. Founded in 2019 and based in Santiago, Chile, Xepelin helps SMBs in Chile and Mexico work more efficiently and achieve better outcomes. Key features of Xepelin Invoice financing Supplier payments Business accounts Cash flow tools Analytics and reporting Integrations with REST APIs, Banks, Salesforce and more Who uses Xepelin? Xepelin is built for SMBs in Chile and Mexico. It suits teams that want invoice financing without spreadsheets and disconnected tools. Why choose Xepelin? Compared with alternatives like Konfio, Xepelin differentiates on invoice financing. Pricing is quote-based and scoped to your usage and team size.
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What is Anduin? Anduin is fund subscription automation software offering fund subscription, investor onboarding and data room software for private markets. Anduin helps fund managers work more efficiently and achieve better outcomes. Key features of Anduin Digital subscriptions Investor data Side letters Data rooms Analytics and reporting Integrations with Excel, Carta, Salesforce and more Who uses Anduin? Anduin is built for fund managers. It suits teams that want digital subscriptions without spreadsheets and disconnected tools. Why choose Anduin? Compared with alternatives like Passthrough, Anduin differentiates on digital subscriptions. Pricing is quote-based and scoped to your usage and team size.
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What is ClearBank? ClearBank is clearing bank software offering clearing and embedded banking infrastructure for financial institutions. Based in London, England, UK, ClearBank helps financial institutions and fintechs work more efficiently and achieve better outcomes. Key features of ClearBank Clearing Embedded banking Multi-currency Real-time payments Analytics and reporting Integrations with Card issuers, Payment schemes, KYC providers and more Who uses ClearBank? ClearBank is built for financial institutions and fintechs. It suits teams that want clearing without spreadsheets and disconnected tools. Why choose ClearBank? Compared with alternatives like Banking Circle, ClearBank differentiates on clearing. Pricing is quote-based and scoped to your usage and team size.
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What is Lighter Capital? Lighter Capital is non-dilutive startup financing software offering revenue-based financing and term loans for B2B SaaS and tech startups. Founded in 2010 and based in Seattle, Washington, USA, Lighter Capital helps SaaS startups work more efficiently and achieve better outcomes. Key features of Lighter Capital Revenue-based financing Term loans Lines of credit Fast underwriting Analytics and reporting Integrations with QuickBooks, Xero, Stripe and more Who uses Lighter Capital? Lighter Capital is built for SaaS startups. It suits teams that want revenue-based financing without spreadsheets and disconnected tools. Why choose Lighter Capital? Compared with alternatives like Capchase, Lighter Capital differentiates on revenue-based financing. Pricing is quote-based and scoped to your usage and team size.
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dLocal is a Uruguay-founded payments platform that connects global merchants to emerging markets across Latin America, Africa, and Asia through a single integration. It lets international companies accept local payment methods and send payouts in dozens of high-growth countries, handling local acquiring, currencies, and compliance so merchants do not integrate each market separately. The platform covers local payment acceptance (cards, bank transfers, cash, wallets), cross-border and local payouts, currency management, and compliance across emerging markets, on custom pricing charged per transaction and by market rather than public rate cards. Its one-integration access to hard-to-reach markets differentiates it from stitching together local providers. dLocal serves global enterprises and platforms, in commerce, streaming, travel, SaaS, and marketplaces, that want to collect payments and pay out in emerging markets. As a publicly listed payments leader for these regions, its local coverage and single API make it a leading emerging-markets payments provider.
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What is Solaris? Solaris is banking as a service software offering a licensed banking-as-a-service platform for embedding accounts, cards and lending. Founded in 2016 and based in Berlin, Germany, Solaris helps European brands and fintechs work more efficiently and achieve better outcomes. Key features of Solaris Bank accounts via API Card issuing Lending Identity and compliance Analytics and reporting Integrations with Shopify, Salesforce Commerce Cloud, SAP and more Who uses Solaris? Solaris is built for European brands and fintechs. It suits teams that want bank accounts via API without spreadsheets and disconnected tools. Why choose Solaris? Compared with alternatives like Swan, Solaris differentiates on bank accounts via API. Pricing is quote-based and scoped to your usage and team size.
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What is SentiLink? SentiLink is fraud prevention software offering a fraud prevention platform specializing in detecting synthetic and identity fraud at onboarding. Founded in 2017 and based in San Francisco, California, USA, SentiLink helps financial institutions fighting identity fraud work more efficiently and achieve better outcomes. Key features of SentiLink Synthetic fraud detection Identity fraud scoring Risk signals Onboarding fraud prevention Analytics and reporting Integrations with Plaid, Stripe, banks and more Who uses SentiLink? SentiLink is built for financial institutions fighting identity fraud. It suits teams that want synthetic fraud detection without spreadsheets and disconnected tools. Why choose SentiLink? Compared with alternatives like Socure, SentiLink differentiates on synthetic fraud detection. Pricing is quote-based and scoped to your usage and team size.
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Cashfree Payments is an Indian payments platform that helps businesses collect payments and send payouts through a payment gateway, payout APIs, and a suite of financial tools. It supports UPI, cards, net banking, and wallets for collections, and instant bank transfers for disbursements, serving online businesses that need to move money in and out reliably. The platform covers a payment gateway for online collections, a payouts API for bulk and instant disbursements, subscriptions and recurring payments, verification and onboarding tools, and international payments, priced per transaction (domestic gateway around 1.75%, with zero UPI fees and no setup or annual maintenance charges). Its combined collections-and-payouts breadth tailored to India differentiates it from single-purpose gateways. Cashfree serves Indian startups, ecommerce businesses, and enterprises that need to accept payments and run payouts at scale. Its gateway, payouts, and financial tools make it one of India’s leading payments platforms.
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Fintech and payments software powers digital financial services, payment processing, digital banking, lending, wallets, and embedded finance, with the security and compliance that money movement demands. This guide explains what fintech software is, the main categories, how payments work under the hood, and how to choose a compliant, scalable platform.
Fintech and payments software powers digital financial services, payment processing, digital banking, lending, wallets, and embedded finance, with the security and compliance that money movement demands. This guide explains what fintech software is, the main categories, how payments work under the hood, and how to choose a compliant, scalable platform.
Fintech software is the technology that enables digital financial services: accepting and processing payments, moving money, issuing cards, powering digital banks and wallets, underwriting loans, and embedding financial features into other products. It spans consumer apps, business tools, and the infrastructure (APIs) that developers build on.
The purpose of fintech software is to make financial services faster, cheaper, more accessible, and programmable. Instead of manual, branch-based, or legacy-batch processes, fintech platforms deliver real-time payments, instant onboarding, and API-driven money movement with fraud protection and regulatory compliance built in.
The category ranges from payment gateways and processors to banking-as-a-service, lending platforms, digital wallets, and treasury tools. Companies adopt fintech software to accept payments, launch financial products without becoming a bank, reduce fraud and cost, and meet strict standards like PCI DSS, KYC/AML, and regional regulations.
Payments software works by connecting merchants, customers, banks, and card networks. When a customer pays, a gateway securely captures the details, a processor routes the transaction through the card networks and banks for authorization, and funds are later settled to the merchant, with fraud checks and tokenization protecting data throughout.
Broader fintech infrastructure exposes these capabilities as APIs: developers integrate payment acceptance, card issuing, account creation, KYC verification, and money movement into their own products. Banking-as-a-service providers supply the regulated rails so non-banks can offer accounts, cards, and lending under a compliant framework.
For example, a marketplace can use a payments API to accept cards, split payments to sellers, hold funds in escrow, run KYC/AML checks on new sellers, issue payout cards, and reconcile everything automatically, launching financial features in weeks without building banking infrastructure or obtaining its own licenses.
Securely accept cards, wallets, bank transfers, and local payment methods across channels. Reliable processing with high authorization rates and broad payment-method coverage is the foundation, it directly affects conversion and revenue.
Machine-learning fraud detection, tokenization, 3-D Secure, and rules engines protect against chargebacks and abuse. Strong risk management is essential to reduce losses while minimizing false declines that cost sales.
Encryption, tokenization, and PCI-compliant infrastructure protect cardholder data and reduce your compliance scope. Security and compliance are non-negotiable when handling payments and financial data.
Identity verification, sanctions screening, and anti-money-laundering checks onboard customers compliantly. Automated KYC/AML is required to operate financial services and reduces manual review and risk.
Send payouts, split payments, hold balances, and move money across accounts and borders. Flexible money movement powers marketplaces, platforms, and embedded-finance use cases.
Real-time reporting, automated reconciliation, and developer-friendly APIs and webhooks. Clean data and strong APIs let finance teams reconcile accurately and developers build custom financial workflows.
Broad payment methods, high authorization rates, and smooth checkout reduce friction and capture more sales, especially across regions.
APIs and banking-as-a-service let companies launch payments and financial products in weeks instead of building infrastructure or obtaining licenses.
Machine-learning risk tools cut chargebacks and fraud while limiting false declines that cost legitimate revenue.
Automated reconciliation, payouts, and reporting reduce manual finance work and processing costs at scale.
Built-in PCI DSS, KYC/AML, and regulatory support reduce risk and build customer trust in your financial product.
| Type | Best for | Ideal size | Pros | Limitations |
|---|---|---|---|---|
| Payment gateways & processors | Accepting and processing online and in-person payments | Startups to enterprise | Fast to integrate; broad payment-method support | Processing fees; authorization varies by region |
| Banking-as-a-service (BaaS) | Embedding accounts, cards, and payments without a license | Platforms & fintechs | Launch financial products fast under a compliant framework | Dependent on the BaaS partner and sponsor bank |
| Lending & credit software | Underwriting, originating, and servicing loans | Lenders & platforms | Automates credit decisions and servicing | Requires strong risk models and compliance |
| Digital wallets & neobanking | Consumer accounts, wallets, and money apps | Any | Engaging consumer experience and stored value | Heavy regulatory and fraud requirements |
| Treasury & payments infrastructure | Moving, reconciling, and managing money at scale | Mid-market to enterprise | Automates money movement and reconciliation | Complex integration with banks and ledgers |
E-commerce & Retail: Merchants use gateways and processors to accept payments across web, mobile, and in-store with fraud protection.
Marketplaces & Platforms: Platforms use split payments, escrow, KYC, and payouts to move money between buyers and sellers compliantly.
SaaS & Subscriptions: Software companies use billing and payments APIs to manage recurring revenue, dunning, and global tax.
Lending & Credit: Lenders use origination, underwriting, and servicing software to automate credit decisions and collections.
Neobanks & Wallets: Digital-first providers build on banking-as-a-service to offer accounts, cards, and payments.
Financial Services & Wealth: Firms use compliant software for onboarding, KYC/AML, transactions, and reporting.
Gig & Creator Economy: Platforms use instant payouts and card issuing to pay workers and creators quickly.
Insurance & Insurtech: Insurers use payments and disbursement tools for premiums and claims payouts.
Cross-Border & Remittance: Companies use FX and money-movement infrastructure for international payments and settlement.
Confirm support for the cards, wallets, and local payment methods in every market you serve, and check authorization rates and currency support.
Understand processing rates, interchange, fixed fees, FX markups, and any monthly or per-transaction charges, small differences add up at scale.
Verify PCI DSS Level 1 certification, tokenization, and support for KYC/AML and regional regulations relevant to your product.
Assess machine-learning risk scoring, 3-D Secure, chargeback management, and how much control you have over rules.
Evaluate API quality, documentation, SDKs, webhooks, and sandbox testing, integration speed and reliability matter enormously.
If you run a marketplace or platform, confirm split payments, escrow, payouts, and multi-party flows are supported.
Check uptime SLAs, settlement times, and the quality of technical and account support for a system that handles money.
AI is central to fintech, powering real-time fraud detection and risk scoring that adapt to new attack patterns far faster than static rules.
Machine learning improves credit underwriting and collections, expanding access while managing risk, and automates KYC/AML review to reduce manual work and false positives.
Generative AI is transforming financial operations and support, reconciling transactions, answering customer questions, and surfacing insights from financial data in natural language.
Expect agentic finance workflows, embedded AI copilots, and smarter money movement, all within tight regulatory guardrails. Prioritize vendors with explainable models, strong data governance, and proven compliance, since AI decisions about money and credit carry real regulatory and fairness risk.
Fintech software is the technology that powers digital financial services, accepting and processing payments, moving money, issuing cards, running digital banks and wallets, underwriting loans, and embedding financial features into other products. It spans consumer apps, business tools, and developer infrastructure delivered as APIs. The purpose of fintech software is to make financial services faster, cheaper, more accessible, and programmable, replacing manual and legacy processes with real-time, API-driven money movement that includes fraud protection and regulatory compliance. Companies use fintech software to accept payments, launch financial products without becoming a bank, reduce fraud and cost, and meet standards like PCI DSS, KYC, and AML.
Payment processing connects the customer, merchant, banks, and card networks. When a customer pays, a payment gateway securely captures the card or wallet details and tokenizes them. A processor then routes the transaction through the card networks to the customer's issuing bank for authorization, which approves or declines based on funds and fraud checks. If approved, the sale is captured and funds are later settled from the issuing bank to the merchant's account, minus fees. Throughout, fraud tools and PCI-compliant security protect the data. This entire flow happens in seconds, and the merchant sees a simple approved or declined result at checkout.
PCI DSS (Payment Card Industry Data Security Standard) is a security standard that any organization handling card data must follow to protect cardholder information. It covers encryption, access control, network security, monitoring, and regular testing. Compliance levels depend on transaction volume, with Level 1 being the most rigorous. Most businesses reduce their PCI scope by using a PCI DSS Level 1 certified payment provider that tokenizes card data so the raw numbers never touch their systems. When choosing a payments partner, confirm they are Level 1 certified and understand which compliance responsibilities remain yours, since a card-data breach carries severe financial and reputational consequences.
Banking-as-a-service lets non-banks embed financial products, accounts, payment cards, lending, and money movement, into their own apps by building on a licensed provider's regulated infrastructure via APIs. Instead of obtaining banking licenses and integrating directly with core banking systems, a company partners with a BaaS provider (often backed by a sponsor bank) that supplies the compliant rails. This lets software platforms, marketplaces, and fintechs launch financial features in weeks rather than years. The trade-off is dependence on the BaaS partner and sponsor bank, so evaluate their reliability, compliance track record, and the economics carefully before building a financial product on top of them.
Payment processing is typically priced per transaction as a percentage plus a fixed fee, a common baseline is around 2.9% plus roughly 30 cents for online card payments, though rates vary by region, card type, and volume. Some providers use interchange-plus pricing, which passes through card-network costs plus a transparent margin and often works out cheaper at scale. Additional costs can include FX markups on cross-border payments, chargeback fees, and monthly platform fees. When comparing providers, model your actual transaction mix and volume rather than the headline rate, and factor in authorization rates, since a slightly higher-cost processor that approves more transactions can net more revenue.
KYC (Know Your Customer) and AML (Anti-Money Laundering) software verifies customer identities and screens for financial crime, which is legally required to operate most financial services. KYC tools confirm identity using documents, biometrics, and data checks during onboarding, while AML tools screen against sanctions and watchlists, monitor transactions for suspicious patterns, and generate reports for regulators. Automating these checks reduces manual review, speeds onboarding, and lowers compliance risk. When evaluating KYC/AML software, look at verification accuracy, coverage in your markets, false-positive rates, and how well it integrates into your onboarding flow, since overly strict checks add friction while weak ones create regulatory exposure.
There is no single best platform, the right fintech software depends on your business model, markets, volume, and whether you need simple payment acceptance or full financial infrastructure. A small e-commerce store wants easy, reliable card acceptance; a marketplace needs split payments and KYC; a company launching a financial product needs banking-as-a-service. Evaluate providers on payment-method and currency coverage, pricing at your volume, PCI and regulatory compliance, fraud tools, developer experience, and reliability. The best approach is to shortlist providers suited to your model, test their APIs in a sandbox, and validate authorization rates and support before committing to the platform that will handle your money movement.
Preventing payment fraud combines technology and process. Modern payments platforms use machine-learning risk scoring that analyzes hundreds of signals per transaction, tokenization to protect card data, 3-D Secure authentication to shift liability and verify cardholders, and configurable rules to block risky patterns. Address and CVV verification, velocity checks, and device fingerprinting add further layers. The goal is to catch fraud while minimizing false declines that reject legitimate customers. When choosing a provider, assess the sophistication and configurability of its fraud tools, its chargeback-management support, and how much control you have to tune rules for your risk tolerance and customer base.
Reputable fintech software is built with security and compliance at its core, because it handles money and sensitive financial data. Leading providers maintain PCI DSS Level 1 certification, encrypt and tokenize data, and support KYC/AML and region-specific regulations. Many also hold SOC 2 and ISO 27001 certifications. That said, compliance is shared: you must configure the software correctly, meet your own regulatory obligations, and follow secure practices. Before adopting any fintech platform, verify its certifications, understand which compliance responsibilities remain yours, and confirm it supports the specific regulations that apply to your product and markets, since financial regulation is strict and penalties are significant.
