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229 Listings in Fintech & Payments Available
What is Canoe? Canoe is alternative investment data software offering document and data automation for alternative investment reporting. Based in New York, USA, Canoe helps allocators and wealth managers work more efficiently and achieve better outcomes. Key features of Canoe Document collection Data extraction Validation Reporting Analytics and reporting Integrations with Zapier, Make, Google Sheets and more Who uses Canoe? Canoe is built for allocators and wealth managers. It suits teams that want document collection without spreadsheets and disconnected tools. Why choose Canoe? Compared with alternatives like Arch, Canoe differentiates on document collection. Pricing is quote-based and scoped to your usage and team size.
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OfBusiness is a B2B platform that combines raw-materials commerce, steel, construction materials, chemicals, and more, with embedded SME financing through its lending arm. SMEs source bulk materials at competitive prices and access purchase-linked credit in one flow, solving both supply and working-capital needs for manufacturers and infrastructure businesses. OfBusiness targets SMEs that buy materials at scale. Commercial terms are business-specific and quote-based.
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Saaskart Market Grid™
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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Derived from live Saaskart marketplace data, engagement, reviews, and pricing for this category.
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See where fintech & payments fits in a complete stack, with the other software, AI agents and services each business needs.
Modulr is a UK-based embedded payments and Banking-as-a-Service platform that lets businesses and software platforms open programmable e-money accounts and move money automatically through a single API. Regulated as an EMI and a direct participant in Faster Payments, Bacs, and SEPA with Bank of England settlement accounts, it powers payments infrastructure for fintechs, platforms, and enterprises. The platform covers programmable accounts, inbound and outbound payments (including bulk, batch, future-dated, and SWIFT), virtual and physical card issuing, Bacs Direct Debit collection, Confirmation of Payee, and open banking payments and VRP, priced per transaction and by service through custom, volume-based agreements. Its direct scheme access and automation differentiate it from building bank integrations directly. Modulr serves fintechs, software platforms, payroll providers, and enterprises that need to embed accounts and payments or automate high-volume money movement. Its API, direct scheme participation, and reliability make it a leading embedded-payments provider in the UK and Europe.
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What is Asaas? Asaas is billing and payments software offering billing automation and digital account platform for Brazilian businesses. Based in Joinville, Brazil, Asaas helps Brazilian SMBs work more efficiently and achieve better outcomes. Key features of Asaas Pix and boleto billing Recurring billing Digital account Invoicing Analytics and reporting Integrations with Banks, Payment gateways, Excel and more Who uses Asaas? Asaas is built for Brazilian SMBs. It suits teams that want Pix and boleto billing without spreadsheets and disconnected tools. Why choose Asaas? Compared with alternatives like Vindi, Asaas differentiates on Pix and boleto billing. Pricing is quote-based and scoped to your usage and team size.
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What is Polly? Polly is mortgage capital markets software offering a cloud product pricing engine and capital markets platform for mortgage lenders. Founded in 2019 and based in Redwood City, California, USA, Polly helps mortgage lenders work more efficiently and achieve better outcomes. Key features of Polly Cloud pricing engine Lock desk automation Hedging and trading Pricing analytics Analytics and reporting Integrations with Encompass, Salesforce, Optimal Blue and more Who uses Polly? Polly is built for mortgage lenders. It suits teams that want cloud pricing engine without spreadsheets and disconnected tools. Why choose Polly? Compared with alternatives like Optimal Blue, Polly differentiates on cloud pricing engine. Pricing is quote-based and scoped to your usage and team size.
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What is Resistant AI? Resistant AI is document fraud detection software offering AI detection of document fraud and financial crime for fintechs and banks. Based in Prague, Czech Republic, Resistant AI helps fintechs, lenders and banks work more efficiently and achieve better outcomes. Key features of Resistant AI Document forensics Transaction forensics Serial fraud detection APIs Analytics and reporting Integrations with Core banking, Salesforce, Payment processors and more Who uses Resistant AI? Resistant AI is built for fintechs, lenders and banks. It suits teams that want document forensics without spreadsheets and disconnected tools. Why choose Resistant AI? Compared with alternatives like Inscribe, Resistant AI differentiates on document forensics. Pricing is quote-based and scoped to your usage and team size.
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What is Beyond ARM? Beyond ARM is collections software software offering collection agency management software for accounts receivable management. Beyond ARM helps collection agencies work more efficiently and achieve better outcomes. Key features of Beyond ARM Account management Payment processing Compliance Dialer integration Analytics and reporting Integrations with Credit bureaus, Payment processors, Core banking and more Who uses Beyond ARM? Beyond ARM is built for collection agencies. It suits teams that want account management without spreadsheets and disconnected tools. Why choose Beyond ARM? Compared with alternatives like Simplicity Collect, Beyond ARM differentiates on account management. Pricing is quote-based and scoped to your usage and team size.
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What is Socure? Socure is identity verification and fraud software offering an AI identity verification and fraud prevention platform for onboarding and risk decisioning. Founded in 2012 and based in Incline Village, Nevada, USA, Socure helps banks and fintechs verifying identities work more efficiently and achieve better outcomes. Key features of Socure Identity verification (KYC) Fraud detection AML and watchlist screening Risk decisioning Analytics and reporting Integrations with Plaid, Stripe, banks and more Who uses Socure? Socure is built for banks and fintechs verifying identities. It suits teams that want identity verification (KYC) without spreadsheets and disconnected tools. Why choose Socure? Compared with alternatives like Alloy, Socure differentiates on identity verification (KYC). Pricing is quote-based and scoped to your usage and team size.
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Xendit is a Southeast Asian payments platform that provides payment acceptance, payouts, and financial infrastructure to businesses across Indonesia, the Philippines, and the wider region through one integration. It supports local methods like e-wallets, bank transfers, virtual accounts, retail outlets, and cards, helping merchants collect payments and disburse funds reliably in markets with fragmented payment ecosystems. The platform covers online payment acceptance, payouts and disbursements, virtual accounts and QR, subscriptions, and fraud and reconciliation tools, priced per transaction by method (for example virtual accounts around 0.5%, e-wallets around 2.7%, cards around 3%). Its deep Southeast Asian local coverage from a single API differentiates it from global processors. Xendit serves startups, ecommerce businesses, and enterprises across Southeast Asia that need to accept payments and run payouts in local methods. As a regional payments leader, its local coverage, payouts, and developer-friendly API make it a leading payments platform in the region.
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What is BioCatch? BioCatch is behavioral biometrics software offering behavioral biometric intelligence detecting fraud and scams in digital banking. BioCatch helps banks and financial institutions work more efficiently and achieve better outcomes. Key features of BioCatch Behavioral biometrics Scam detection Mule account detection Account opening Analytics and reporting Integrations with Shopify, Magento, Stripe and more Who uses BioCatch? BioCatch is built for banks and financial institutions. It suits teams that want behavioral biometrics without spreadsheets and disconnected tools. Why choose BioCatch? Compared with alternatives like Feedzai, BioCatch differentiates on behavioral biometrics. Pricing is quote-based and scoped to your usage and team size.
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What is Thought Machine? Thought Machine is cloud-native core banking software offering cloud-native core banking (Vault Core) and payments (Vault Payments) for banks. Founded in 2014 and based in London, United Kingdom, Thought Machine helps tier-one and challenger banks work more efficiently and achieve better outcomes. Key features of Thought Machine Smart contract banking products Vault Core Vault Payments Real-time ledger Analytics and reporting Integrations with REST APIs, Salesforce, Snowflake and more Who uses Thought Machine? Thought Machine is built for tier-one and challenger banks. It suits teams that want smart contract banking products without spreadsheets and disconnected tools. Why choose Thought Machine? Compared with alternatives like Mambu, Thought Machine differentiates on smart contract banking products. Pricing is quote-based and scoped to your usage and team size.
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Riskcovry is a full-stack insurtech platform that lets India's insurance distributors, banks, NBFCs, brands, and fintechs, digitally launch, scale, and manage insurance businesses. With integrations across 40+ insurers and 150+ products, its "Insurance-in-a-Box" supports retail, credit-linked, and embedded insurance across life, health, and general lines from a single API. Riskcovry gives partners a market-ready way to distribute insurance without building carrier integrations themselves. Pricing is partnership- and volume-based (quote).
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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.
